Should I give a recorded statement to the other driver's insurance company

Use the free tool — Car Accident Clock FL

Why the other driver's insurer wants a recorded statement

After a Florida crash, the other driver's insurance company may call and ask you to give a recorded statement or sign something. The material behind this guide is direct: do not sign a release and do not give a recorded statement to the other driver's insurer before getting advice.

You don't have to decide this alone

Personal-injury consultations in Florida are typically free and contingency-based. That means there is usually no cost to talk to someone first, especially if you have injuries beyond soreness. Get that conversation before the other insurer calls again.

Your own coverage has its own clock — it doesn't depend on the other insurer

Under Florida's PIP rule (§627.736), you generally need to get medical care within 14 days of the crash or you risk losing PIP benefits — this runs regardless of what the other driver's insurer wants from you.
PIP generally pays 80% of medical bills and 60% of lost wages, up to $10,000, subject to your deductible.
Florida's statute of limitations for filing a claim or lawsuit is currently 2 years under HB 837, counted from your crash date.

These rules come from Florida Statutes §627.736, §627.737, §95.11, and §768.81 (as amended by HB 837, 2023). They have exceptions, and deadlines depend on facts a tool cannot verify — this is general information, not legal advice.

Florida also uses a comparative-fault rule

Florida applies a modified comparative-fault rule (§768.81) to these claims. What you say in a recorded statement can affect how fault gets assigned — another reason to get advice before you speak with the other driver's insurer.

What to do instead

Notify your own insurer and open your PIP and collision claims properly.
Request the police report.
Keep your medical records, bills, and notes about who has called you and what was said.
Get a free consultation before agreeing to any recorded statement or release with the other driver's insurer.

What to do next

Car Accident Clock FL is free, in English and Spanish. Describe your crash and it computes your Florida deadlines from the crash date, explains what your own PIP coverage does and doesn't pay, walks through what not to sign or say, and can draft a claim letter to your own carrier. It is not legal advice, cannot file claims or lawsuits, cannot assess fault or value your case, and is not affiliated with any insurer, clinic, law firm, or agency.

Use the free tool

Car Accident Clock FL is an informational tool based on Florida Statutes 627.736, 627.737, 95.11 and 768.81 (as amended by HB 837, 2023) as of 2025–26. It is not legal advice, does not file claims or lawsuits, and cannot assess fault or value. Deadlines have exceptions and run from facts this tool cannot verify. It is not affiliated with any insurer, clinic, law firm or agency.