Do You Have to Report a Minor Car Accident to Insurance in Florida?

Even a minor fender bender can bring big questions. One question we often hear at Hersh Kirtman Injury Law is, “Do you have to report a minor car accident to insurance?” The answer depends on several legal and practical factors, but in most cases, yes, you should report it. Florida law and your insurance policy may require it—even if the damage seems minor and everyone appears unharmed. As experienced Boca Raton car accident lawyers, we help clients understand their obligations and protect their rights after any type of crash.

Below, we’ll explain what Florida law expects from drivers after a minor crash, what might happen if you don’t report, and why notifying your insurance company is often the safest choice.

Florida Laws on Reporting Car Accidents

Under Florida Statute §316.065, you’re required to report a crash to law enforcement if:

• The crash results in injury or death.
• There’s property damage over $500.
• A vehicle requires towing.
• The accident involves a commercial vehicle.

These rules apply regardless of whether the accident seems minor or not. Even if you’re not sure the damage exceeds $500, it’s often wise to err on the side of caution.

If a police officer responds to the scene and files a report, you may not need to file your own. However, if no officer is called, the responsibility falls on you to report the crash.

Should You Report a Minor Accident to Your Insurance Company in Florida?

Yes, in most cases, you should report a minor accident to your insurance provider—even if the damage appears small.

Why? Failing to report could affect your ability to file a claim later. Some damage or injuries don’t show up until hours or days after a collision. If the other party decides to pursue a claim, having documentation on file protects you.

Here’s why reporting is usually a good idea:

• Florida is a no-fault state, meaning you turn to your own insurer first.
• Your policy may require notification within a specific time frame.
• Delaying notification could result in denial of coverage or breach of contract.

Reporting the accident allows the insurance company to investigate while the evidence and witness recollection are still fresh.

What Happens If You Don’t Report a Minor Car Accident in Florida?

You could face consequences from both your insurer and the law.

If you skip reporting a crash that meets the legal threshold, you might receive a fine or citation. More importantly, not notifying your insurance company could:

• Void coverage for that incident.
• Limit your ability to recover damages.
• Make you personally liable if the other driver sues later.

Also, even if the other driver says everything is “fine,” they could file a claim days later for injuries or repair costs. Without a report, your version of events may not be protected.

Can You Settle a Minor Accident Privately in Florida?

Yes, but it comes with significant risk.

Settling privately—exchanging cash or agreeing not to involve insurers—might seem quicker and easier. However, Florida’s Department of Highway Safety and Motor Vehicles (FLHSMV) strongly advises caution.

Here’s what can go wrong:

• Undetected damage to internal vehicle systems.
• Medical claims surfacing after the fact.
• The other party may change their story.
• You might violate your own insurance agreement.

Michael Hersh

Founding Partner

A passionate advocate for injury victims, Michael transitioned from corporate law to fighting for individuals after a pivotal case defending an elderly couple. With over $100M in verdicts and settlements, he specializes in catastrophic injury and wrongful death cases, using his Trial Lawyers College training to powerfully tell clients’ stories.

Years of experience – Over 15 years
Elite Trial Advocate – Graduate, Trial Lawyers College
$35M Record Verdict – Catastrophic auto accident case

Get in touch: LinkedIn | Justia

How to Properly Report a Minor Accident to Your Insurance

Most Florida auto policies include specific instructions for post-accident reporting. Here are general steps to follow:

1. Document the scene:
   Capture multiple angles of both vehicles, including any visible damage, license plates, and the surrounding environment. Record weather, lighting, and road conditions for future reference. 
2. Exchange information:
   Gather the other driver’s name, contact number, license number, insurance provider, and vehicle registration. Accurate documentation will support your insurance claim and help clarify fault if disputes arise. 
3. File a police report (if legally required):
   When injuries, towing, or substantial damage are involved, notify law enforcement. Filing a report ensures compliance with Florida law and provides an official account of the incident. 
4. Contact your insurer promptly:
   Reach out to your insurance company by phone or online within the time frame outlined in your policy. Provide only objective, factual details and avoid assigning or admitting blame. 
5. Submit additional documentation if requested:
   Your insurer may need repair quotes, mechanic evaluations, or medical records. Submit any requested paperwork promptly to ensure a smooth claims process and prevent potential delays or denials.

Avoid making statements of fault. Let the insurance companies determine liability through their investigation.

Speak With a Florida Car Accident Attorney

If you’re unsure whether to report or you’re facing complications after a minor crash, it’s best to consult an experienced car accident attorney. At Hersh Kirtman Injury Law, we help Florida drivers understand their rights, navigate insurance claims, and protect their financial future after a collision, no matter how small it may seem.

Contact our team today to get clarity on your next steps and avoid costly mistakes.