Understanding Florida Car Accident Injury Cases: FAQs Answered

Car accidents are unfortunate events that many people may face during their lifetime, and when these accidents cause injuries, it often leads to confusion and worry about what to do next. Knowing the basic information about car accident injury cases in Florida can make a big difference. Understanding the process, legal rights, and possible steps involved helps ensure you are prepared for what lies ahead. This guide aims to provide clear answers to commonly asked questions regarding Florida car accident injury cases, covering important details that can assist you in moving forward with confidence. At, Serrano Law, we are here to guide you through the legal process and help you navigate the complexities of your case.

What Should I Do Right After a Car Accident in Florida?

After a car accident, you may feel shocked or overwhelmed. It is essential, however, to try to stay calm and take certain steps to protect yourself and those around you. The first thing you should do is check for injuries. If you or anyone else involved in the accident is injured, call emergency services immediately. Even if injuries are not obvious, seeking medical attention is wise since some injuries do not appear until hours or days later.

If you are able to do so safely, move your car to the side of the road. Leaving the car in the middle of traffic can lead to additional accidents and injuries. It is also essential to report the accident to the police, especially if it has resulted in any injuries or major vehicle damage. A police report can be helpful later if you decide to file an injury claim. Gathering information from the other driver, such as their name, contact details, and insurance information, can also be beneficial. Additionally, taking photographs of the accident scene, the vehicles, and any visible injuries is a good step for documentation.

What Does Florida’s No-Fault Insurance Law Mean for Car Accident Injuries?

Florida follows a no-fault insurance law, which means that after a car accident, each person’s own insurance company pays for their medical bills and related expenses, regardless of who caused the accident. This type of coverage, known as Personal Injury Protection (PIP), covers up to a certain amount of your medical bills and lost wages. It can be helpful because it allows you to receive medical treatment without waiting for the insurance of the other party to respond.

However, there are limits to PIP coverage, and it may not cover all your expenses if you have severe injuries. Florida law allows you to step outside the no-fault system and file a claim against the other driver if you meet certain conditions, such as having significant injuries or if your medical expenses exceed the limits of your PIP coverage. This exception can be crucial for accident victims who need more than the basic coverage to cover their treatment and other losses.

When Can I Sue the Other Driver for My Injuries?

Florida’s no-fault insurance system generally prevents people from suing the other driver in most minor car accidents. However, you may be able to pursue a personal injury lawsuit if your injuries meet a certain level of severity. The law in Florida permits lawsuits for car accident injuries if they are considered “permanent,” result in significant and permanent scarring or disfigurement, or lead to permanent loss of a bodily function. These criteria are in place to ensure that only serious cases go to court.

If your injuries meet these standards, you may be able to sue the at-fault driver for additional compensation. This could cover expenses beyond what your PIP insurance covers, including pain and suffering, which is not included in no-fault benefits. Working with an attorney can be helpful in determining if your injuries meet the legal threshold for filing a lawsuit, as they can review your case and provide guidance on your options.

Michael Serrano

Founding Attorney

Candace “Cea” Hartley

Associate Attorney

What Types of Compensation Are Available in a Car Accident Injury Case?

If you pursue a claim outside of the no-fault system, you may be entitled to various forms of compensation, depending on the circumstances of your accident and the extent of your injuries. Compensation in a car accident injury case can include payment for medical expenses, which covers hospital bills, doctor visits, medication, physical therapy, and any other treatments related to the injuries caused by the accident.

Lost wages may also be included in the compensation if you have missed work due to your injuries. If your injuries prevent you from returning to your job or reduce your ability to earn the same income, you might be eligible for compensation for future lost income as well. In cases where injuries are severe, you might be entitled to compensation for pain and suffering, which considers the physical and emotional impact of the accident. Determining the types and amount of compensation can be complex, so working with an attorney can help ensure you receive what you need to move forward.

How Long Do I Have to File a Car Accident Injury Claim in Florida?

The timeframe in which you can file a car accident injury claim in Florida is known as the statute of limitations. In Florida, the statute of limitations for filing a personal injury claim after a car accident is typically two years from the date of the accident. This means you have two years to take legal action if you wish to pursue compensation from the at-fault driver.

It is essential to be aware of this deadline because if you file your claim after the two-year period, you may lose your right to compensation. There are some exceptions to this rule, but they are rare and usually apply to specific situations. Consulting with an attorney soon after the accident can help you stay informed about your rights and make sure you do not miss important deadlines.

Mike Serrano’s law office was everything I needed after a very traumatic accident. He was always super up front and honest with me. I never got the feeling he was trying to sell me on something or to do something that I wasn’t comfortable with. He listened to my concerns and when it tough moments came that I needed to stand my ground. He backed me and made me feel 100% secure. He got me exactly what I needed in a settlement and I would never consider using anyone else. His office staff is also phenomenal.”

- Mary

Mike Serrano was a great attorney for my case!! He was very flexible with phone calls/ Zoom meetings. His staff are always friendly, whether it be on the phone or emails. They keep you updated during your entire case! They don’t leave you silent for months. if you call, they always call back with updates! Highly recommend!"

- Kylie Collier Border

I’ve never had to deal with a lawyer before but Mike has set the bar HIGH. He was always available to communicate my concerns and explain each step of the way. I know no other lawyer would have been able to achieve the same results because he jumped on an opportunity that was a little out of the ordinary and it paid off. He really fought for my case and over delivered. I really hope I never have another accident but if I do I’m running to Mike for help."

- Sandy Carter

What If I Am Partially at Fault for the Accident?

Sometimes, both drivers share responsibility for a car accident. If you are partially at fault, you may still be able to receive compensation under Florida’s comparative negligence rule. This rule allows you to recover damages based on the degree of fault each party holds in the accident. For example, if it is determined that you were 20% at fault for the accident, you would still be eligible for 80% of the total compensation you would have received if you were not at fault at all.

Comparative negligence can reduce the amount of compensation you receive, but it does not bar you from recovering damages altogether. Insurance companies may try to argue that you hold a higher percentage of fault to reduce the payout. Working with a legal professional can help you challenge unfair fault assessments and ensure that your rights are protected.

Do I Need a Lawyer for a Florida Car Accident Injury Case?

While you can handle a car accident claim on your own, having a lawyer on your side can be highly beneficial, especially if the case is complex. Legal cases can involve many steps, including gathering evidence, calculating damages, negotiating with insurance companies, and possibly filing a lawsuit. An experienced attorney can handle these tasks, helping you avoid common mistakes and ensuring that your claim is handled correctly from start to finish.

A lawyer can also assist you in negotiations with insurance companies. Insurance providers often try to settle claims for less than the fair value. With a lawyer’s help, you may have a better chance of receiving a fair settlement. Legal assistance can be especially valuable if your injuries are serious or if you believe the other driver was at fault but the insurance company disputes this. Having someone who understands Florida’s car accident laws can make a big difference in the outcome of your case.

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How Can I Strengthen My Car Accident Injury Case?

To strengthen your car accident injury case, it is important to collect as much evidence as possible. Keeping a record of all medical visits, treatments, and any expenses related to the accident can help show the extent of your injuries and financial losses. Photographs, witness statements, and the police report can also serve as valuable evidence. If you miss work due to your injuries, keep track of the days missed and any impact on your income.

It is also helpful to be cautious when discussing the accident. Avoid making statements that could be interpreted as accepting fault, especially when speaking with insurance adjusters or on social media. Insurance companies may look for ways to reduce your compensation, and anything you say may be used to challenge your claim. Staying organized and being mindful of what you say can help ensure that your case is presented in the best possible way.

If you or a loved one has been injured in a car accident in Florida, it can be a challenging and overwhelming time. You may be facing medical bills, lost income, and the stress of dealing with insurance companies. In these times, having knowledgeable support can make all the difference. The team at Serrano Law is here to guide you through each step of the process, ensuring that your rights are protected and that you have the resources to pursue the compensation you deserve. Contact Serrano Law today to learn more about how we can assist you with your car accident injury case in Florida and take the first step towards securing a fair outcome.