Popular Questions
Need any Help? Read Popular Questions
Do I need to report the accident to the police?
Yes, Florida law requires reporting if there's injury, death, or apparent damage over $500.
Should I see a doctor even if I feel fine?
Yes. Florida’s no-fault (PIP) insurance requires you to seek medical care within 14 days to be eligible for coverage.
Who pays for my medical bills after the accident?
Initially, your Personal Injury Protection (PIP) insurance pays up to $10,000, regardless of who was at fault.
Can I still recover damages if I was partially at fault?
Yes, under Florida’s modified comparative negligence law (as of 2023), your compensation may be reduced by your percentage of fault — but if you're more than 50% at fault, you may be barred from recovery.
What if the other driver doesn’t have insurance?
You may still be covered under Uninsured/Underinsured Motorist (UM/UIM) coverage, if you have it.
How long do I have to file a claim or lawsuit?
Florida’s statute of limitations is typically 2 years from the date of the accident (shortened from 4 years in 2023 for most negligence cases).
Can I get compensated for pain and suffering?
Only if your injuries meet the “serious injury threshold,” such as permanent disability, significant disfigurement, or death.
Do I need a lawyer for a car accident claim?
Not always, but it's highly recommended if there are injuries, liability disputes, or significant damages.
What evidence should I collect after the accident?
Photos, witness info, police report, medical records, and insurance details are all crucial.
Will my insurance rates go up if I file a claim?
Possibly, even if you're not at fault. It depends on your insurer and driving history.
Can I recover lost wages after the accident?
Yes, your PIP insurance covers 60% of lost wages, up to the policy limit.
What if the other driver fled the scene?
Report it immediately. Hit-and-run victims may still recover damages through their own UM coverage.
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