Car Accident Claims
Florida's no-fault system means your own insurance pays first — but PIP covers only a fraction of a serious injury. Recovering the rest requires a claim against the at-fault driver.
Overview
Understanding a Florida Collision Claim
Florida drivers carry Personal Injury Protection, which pays 80 percent of medical bills and 60 percent of lost wages up to a $10,000 limit regardless of fault. To access those benefits you must be seen by a qualified medical provider within 14 days of the crash. Miss that window and PIP can be denied entirely.
PIP rarely covers a real injury. To recover beyond it — for the remaining medical costs, full wage loss, future treatment, and pain and suffering — you must pursue the at-fault driver's bodily injury coverage, and Florida requires showing a permanent injury to claim non-economic damages.
Coverage is often the real battle. Florida does not require drivers to carry bodily injury liability, so the at-fault driver may have little or nothing. Uninsured and underinsured motorist coverage on your own policy frequently becomes the primary source of recovery.
Case Types
Collision Types We Handle
- Rear-end and chain-reaction collisions
- Intersection and red-light crashes
- Head-on collisions
- Commercial truck and delivery vehicle crashes
- Rideshare (Uber and Lyft) accidents
- Motorcycle collisions
- Pedestrian and bicycle strikes
- Hit and run and phantom vehicle claims
- Uninsured and underinsured motorist claims
- Distracted and impaired driver crashes
- Multi-vehicle highway pileups
- Rental car and out-of-state driver claims
How It Works
Our Approach to Your Case
Protect Your Benefits
We confirm treatment within the 14-day PIP window, open the claim correctly, and take over all communication with the adjusters.
Establish Fault and Damages
Crash reports, scene photographs, vehicle damage analysis, traffic and business camera footage, witness statements, and complete medical documentation.
Demand and Litigate
We present a documented demand with full valuation. If the carrier refuses fair value, we file suit before the two-year deadline.
FAQ
Frequently Asked Questions
What should I do right after a car accident in Florida?+
Call police and get a report, photograph the scene and vehicles, exchange information, get witness contacts, and see a doctor within 14 days even if you feel fine. Adrenaline masks injuries that surface days later.
How long do I have to file after a crash?+
Two years from the date of the accident for most claims arising on or after March 24, 2023. Insurance policies also impose their own notice deadlines, some far shorter, so early action matters.
What if the other driver had no insurance?+
Your uninsured or underinsured motorist coverage may apply, and there may be additional avenues such as an employer's policy if the driver was working. We identify every available layer of coverage.
Do I have to give the other insurer a recorded statement?+
No. You are not required to give a recorded statement to the other driver's insurer, and doing so without counsel is a common way claims get devalued. Refer them to your attorney.
What is my case worth?+
It depends on injury severity, permanence, treatment cost, wage loss, fault allocation, and available coverage. Any lawyer who quotes a number before reviewing your medical records is guessing.
Where We Serve
Serving Broward County
Free Consultation
Hurt in a Crash? Talk to Us Before the Adjuster Calls Again.
Use the live chat at the bottom of your screen — day or night. We respond quickly and fight hard for you.