Sometimes you have an obligation to provide a statement to your insurance company under Florida law. You do not have an obligation to provide a statement to the at-fault insurance company. Not in the in the early stages of your claim. If a lawsuit is actually filed, then yes. The at-fault insurance company gets to take your deposition and sworn testimony. They get to find out what your injuries are. Also, your version of event leading up to the accident.

Short answer? Yes, to your insurance company if they ask you. You don’t necessarily have to to the at-fault insurance company.