DMVZoneBlogStop, check for injuries, call 911 if anyone is hurt, move cars out of traffic, and swap information. If no officer writes a report, file one with FLHSMV within 10 days. Get medical care within 14 days to use PIP.
After a Florida crash, stop, help anyone hurt and call 911 for injuries, a drunk or fleeing driver, or a car blocking traffic. If nobody is hurt, move the cars out of the travel lanes and exchange information. When no officer writes a report, file a Driver Report of Traffic Crash with FLHSMV within 10 days. See a doctor within 14 days if you want to use your PIP coverage.
Florida is a no-fault state. Your own Personal Injury Protection (PIP) pays the first part of your medical bills no matter who caused the crash. That is why the medical deadline matters as much as the police report.
Injuries change everything. Police must come and write a report.
No injuries, no complaints of pain, and nobody drunk or fleeing.
| Coverage | Minimum |
|---|---|
| Personal Injury Protection (PIP) | $10,000 per person |
| Property Damage Liability (PDL) | $10,000 per crash |
| Bodily injury liability (needed after a crash with injuries if you were at fault) | $10,000 per person, $20,000 per crash |
If an at-fault driver had no insurance, FLHSMV can suspend their license and registration until they settle with the other people in the crash or post a deposit, and buy the required coverage.
Never say "it was my fault" at the scene. Stick to facts, and let police and insurers decide fault.
No officer wrote a report for your minor Florida crash. How long do you have to file one with FLHSMV?
Answer: C. File the Driver Report of Traffic Crash within 10 days.
To use PIP benefits, when should you get medical care?
Answer: A. Florida's PIP law requires initial care within 14 days of the crash.
Nobody is hurt and both cars run. What should you do first?
Answer: B. Move the cars out of traffic, then exchange information.
Call 911 right away. A hit-and-run always needs police, even with minor damage.
Insurers often ask for one. If police did not come, your self-report and photos help, so ask your insurer what it needs.
FLHSMV's customer service center at (850) 617-2000.
Checked against these pages on November 12, 2026. Laws change, so open the source before you rely on a number.
Rules and fees change. Always confirm the details with the official Florida DMV or motor vehicle agency before you act. DMVZone practice questions are written to teach the rules and are not copies of the real test.
Speeding up to 15 mph over is 3 points in Florida, a red light is 4, and leaving the scene is 6. Hit 12 points in 12 months and your license is suspended. The full chart and the suspension ladder.
Since a 2023 law, Florida cities can use speed cameras in school zones. Drivers more than 10 mph over get a $100 notice by mail, with no points. Orlando's cameras start ticketing November 30, 2026.
Elect a Basic Driver Improvement course within 30 days of a Florida ticket and no points are added. You can do it once every 12 months and five times in your life. CDL holders cannot.