What If I’m Injured in a Car Accident as a Tourist in Florida?
Florida’s sunny beaches, theme parks, and vibrant cities attract millions of visitors every year—but an unexpected car accident can turn any vacation upside down. If you’re a tourist injured in a Florida crash, the questions come fast:
Whose insurance applies? Can I file a claim from my home state? What are my rights here?
At Pezon Law, we understand that dealing with an injury far from home is overwhelming. That’s why we take the time to explain not only what Florida law says—but what it means for you, right now. You’re not just a visitor—you’re a person who deserves support, clarity, and real legal guidance.
Tourists Have the Same Rights as Florida Residents
First, it’s important to know: you don’t have to live in Florida to file a claim here.
If your accident happened on Florida soil, Florida laws apply—even if you’re from another state or country. That means:
You can seek medical treatment here and have it covered under available insurance
You may be able to file a personal injury claim under Florida law
You may be entitled to compensation for medical bills, lost wages, and pain and suffering
Whether you were driving, riding as a passenger, or even walking across a street, your status as a visitor doesn’t take away your legal rights.
How Insurance Works for Out-of-State Drivers
Florida is a no-fault insurance state, which means drivers must carry Personal Injury Protection (PIP) coverage. But here’s where it gets tricky for tourists:
If you were driving your own car from another state, your home insurance may apply—especially if your policy includes out-of-state coverage.
If you were driving a rental car, you may be covered by the rental agency’s insurance, your personal policy, or even a credit card benefit.
If you were a passenger, the vehicle’s insurance or your personal policy (if applicable) may still provide PIP benefits.
We help you identify which policy applies, and make sure you don’t get pushed around by adjusters who assume you’ll “just go home and forget about it.”
What If I Can’t Stay in Florida for My Treatment?
This is one of the most common challenges our tourist clients face.
You may begin your medical treatment in Florida (ER visit, urgent care, etc.)
You may need to continue care at home (chiropractor, physical therapy, follow-up visits)
You’ll still need to document everything and keep detailed records to support your claim
At Pezon Law, we coordinate with providers in both Florida and your home state to make sure your case remains organized and strong, even after you leave.
Jurisdiction, Lawsuits, and What Happens If You Sue
If your case can’t be settled and moves toward a lawsuit, it must typically be filed in Florida, where the accident occurred. But don’t worry—you don’t need to live here to pursue justice here.
We handle your case locally while you continue recovery at home. If court appearances are required (which is rare), we prepare you thoroughly and explore ways to minimize the burden.
How Pezon Law Helps Injured Tourists
We handle communication with insurance companies, rental agencies, and adjusters
We help you track medical bills and coordinate ongoing care across state lines
We explain Florida law in plain English—and advise you every step of the way
We keep you informed without overwhelming you, so you can focus on healing
Vacation Interrupted—But Not Abandoned
An injury during your visit to Florida can feel isolating, but you don’t have to handle it alone. Whether you’re here for the beaches, theme parks, or a break from winter—we’re here to help you understand your rights, protect your claim, and take the next steps with confidence.
📞 Contact Pezon Law today for a free consultation. We’re here for visitors—because everyone deserves legal guidance, no matter where home is.
