After suffering an injury from a slip-and-fall, car crash, or other negligence, an insurance claim is often the first step to recover losses. The process can feel intimidating if it’s your first time. Below, we break down the key steps using a Florida auto accident as the example— and explain when to speak with an attorney. For more help, visit our Car Accidents page or contact our Altamonte Springs personal injury team.

1) Notification of the Incident

Immediately after a collision, prioritize safety and call 911 if needed. Exchange names, phone numbers, vehicle details, and insurance information with all drivers. Capture the scene with photos and collect witness contact information. In Florida, you can use the Driver Exchange of Information form to make sure nothing is missed.

When you notify your insurer, you’ll provide a brief statement about what happened, details for the other driver(s), and any police case number. To obtain the official police crash report, use the Florida Crash Portal. If your crash was in Altamonte Springs, you can also check the Altamonte Springs Police Department Records page.

Not sure what to do first? Start with our guide: What to Do Right After a Car Accident.

2) Investigation by the Claims Adjuster

After your claim is opened, an adjuster investigates liability and damages. Expect requests for:

• Photos/videos of vehicle damage and the crash scene
• Medical records and bills for injuries related to the crash
• Proof of lost income (pay stubs or an employer letter)
• Police report and any witness statements

Keep communications factual and organized. If you’re injured, consider having an attorney handle insurer communications so you can focus on treatment. For related issues, see our overview of medical treatment & billing.

3) Negotiation and Payment

Once the investigation concludes, the insurer typically makes an initial settlement offer. You are not required to accept it. Compare the offer to your full losses—past and future medical care, lost wages, reduced earning capacity, out-of-pocket costs, and pain and suffering.

If the offer is too low, you (or your lawyer) can counter with supporting documentation. If negotiations stall or fault is disputed, speak with an Altamonte Springs injury attorney about your options.

Don’t Miss Key Deadlines (Statute of Limitations)

Florida law imposes time limits to file a lawsuit for negligence claims stemming from car accidents. Waiting too long can forfeit your rights. For an overview of recent reforms affecting personal injury timelines, see HB 837. To understand which deadlines apply to your case, consult counsel promptly.

You can also learn more about crash reporting through FLHSMV’s crash report resources.

Evidence Checklist for a Stronger Claim

• Driver & insurance details (use the FLHSMV exchange form)
• Photos/video of the scene, vehicles, and visible injuries
• Police case number and the crash report link
• Medical records/bills and a treatment log
• Proof of lost wages or missed work
• All written or recorded communications with insurers

When to Call an Attorney

Consider legal help if you have significant injuries, a disputed liability situation, multiple insurers (PIP, UM/UIM), or low opening offers. A local lawyer can gather evidence, negotiate with adjusters, and litigate if needed—so you can focus on recovery.

Ready to talk? Request a free case review or explore our Personal Injury hub.