Being injured in a car accident as a passenger can be confusing. You weren’t driving, but you’re still dealing with injuries, medical bills, and insurance questions. Who’s responsible? What should you do next? Here’s a step-by-step guide to help you protect your health and legal rights after a passenger injury in Florida.

1. Check for Injuries and Call 911

Your health is the top priority. If you or anyone else is hurt, call 911 immediately. Florida law requires reporting accidents with injuries or significant damage, and a police report will help with your claim later.

2. Gather Information at the Scene

Even though you weren’t driving, you still need to collect key details:

• Drivers’ Information: Get the names, contact info, and insurance details of all drivers involved.
• Photos and Videos: Document the accident scene, vehicle damage, and your injuries.
• Witness Contacts: If anyone saw the crash, ask for their contact information.

3. Seek Medical Attention—Fast

Injuries like whiplash or concussions don’t always show symptoms right away. Plus, Florida’s Personal Injury Protection (PIP) law requires you to seek treatment within 14 days to qualify for coverage. Even if you feel okay, get checked out.

4. Notify the Insurance Companies

As a passenger, you might have several options for insurance coverage:

• The Driver’s PIP Insurance: Florida drivers must carry at least $10,000 in PIP, which can cover your medical expenses regardless of who caused the accident.
• Your Own PIP Policy: If you own a car or live with someone who does, your policy might cover your injuries.
• The At-Fault Driver’s Insurance: If your injuries are severe, you can file a claim against the at-fault driver once PIP limits are exhausted.

5. Track Your Medical Treatment

Keep records of doctor visits, test results, medications, and any workdays missed due to your injuries. A detailed paper trail can strengthen your claim.

6. Contact a Florida Car Accident Attorney

Passenger injury claims can get complicated—especially if multiple insurance companies are involved. An experienced car accident attorney like Kevin L. Sullivan II can help you understand your rights and fight for the compensation you deserve.

This post was written by a professional at Kevin L. Sullivan II. Attorney Kevin L. Sullivan II is your car accident lawyer Largo and the best personal injury attorney near you for LeavenLaw. Kevin is proud to serve Florida accident victims that have been injured in auto accidents, motorcycle accident, slip and falls or have suffered any other type of injury caused by negligence. Kevin offers a FREE no-obligation consultation to discuss your claim. There are NO upfront fees or costs and if he does not collect for you, you do not owe him anything.