Can an Immigrant File an Insurance Claim After a Car Accident in Florida?

Absolutely—immigrants can file insurance claims in Florida if they’re involved in a motor vehicle accident, regardless of their immigration status.


If you’ve been hurt in a crash, don’t wait around wondering.
Talk to a Miami car accident lawyer today and make sure you get the care—and compensation—you deserve.


Whether you’re here on a visa, as a permanent resident, or even undocumented, Florida law does not discriminate when it comes to personal injury protections and insurance rights. The moment you’re injured in a crash, you’re entitled to seek compensation—just like anyone else on the road.


💡 Here’s the reality:

Insurance companies don’t care about your immigration status.
They care about who was at fault and what your injuries cost them.

Let’s break it down with an example:


🚗 Real-World Example:

Imagine Juan, an undocumented construction worker in Miami, is rear-ended on I-95 while driving home from work.
His car is totaled, and he’s got whiplash and a fractured wrist.

  • Even though Juan doesn’t have U.S. citizenship, he can still:
    • File a claim with the at-fault driver’s insurance
    • Use his own Personal Injury Protection (PIP) coverage, if he has it
    • Hire a Miami car accident lawyer to file a personal injury lawsuit, if needed

🗣️ Think of it like this:

Getting injured in a crash is like slipping on a banana peel—gravity doesn’t check your passport before you fall, and neither does the law when it comes to protecting your rights.


✅ What Matters Most:

  • Proof of injury
  • Medical treatment records
  • Police report and crash documentation
  • Insurance policies involved
  • Legal representation to fight back if you’re denied coverage

📞 Bottom line?

Immigrants have rights. But you may need a knowledgeable Miami car accident lawyer to protect those rights and deal with any tactics an insurance company might use to intimidate you.

If you’ve been hurt in a motor vehicle accident, don’t wait around wondering.
Talk to a Miami car accident lawyer today and make sure you get the care—and compensation—you deserve.