Car Accident Claims in Florida

At The Abraha Law Firm, our skilled team of attorneys is equipped to handle car accident claims in Florida, a state known for its unique insurance coverage requirements and legal framework. We are dedicated to protecting the rights of individuals injured in car accidents and ensuring they receive the compensation they deserve. Understanding Florida’s insurance laws is essential in navigating the claims process effectively and securing a favorable outcome for our clients.

In Florida, the state follows a “no-fault” system for car accident insurance coverage. This means that regardless of who is at fault in an accident, each driver’s insurance company is responsible for covering their policyholder’s medical expenses and lost wages, up to the limits of their Personal Injury Protection (PIP) coverage. Florida’s insurance coverage requirements include:

1. Personal Injury Protection (PIP): Florida drivers are required to carry a minimum of $10,000 in PIP coverage. This coverage helps pay for medical expenses, lost wages, and other related costs for injuries sustained in a car accident, regardless of fault.
2. Property Damage Liability (PDL): Florida drivers are also required to carry a minimum of $10,000 in PDL coverage. This coverage helps pay for property damage caused by the insured driver to other vehicles or property in an accident.
3. Statute of Limitations: Florida has a two-year statute of limitations for personal injury claims resulting from car accidents. This means that you generally have four years from the date of the accident to file a lawsuit seeking compensation for injuries or property damage. However, it is advisable to consult with an attorney promptly to ensure compliance with specific deadlines and preserve your legal rights.

While the no-fault system limits the ability to sue for injuries unless specific criteria are met, there are situations where a car accident claim may still arise. Examples of car accident claims in Florida may include:

1. Severe Injuries: If the accident results in significant or permanent injuries, such as severe fractures, disfigurement, loss of bodily functions, or death, it may be possible to pursue a claim beyond the limitations of the no-fault system.
2. Driver Negligence: If the accident was caused by the negligence or misconduct of another driver, such as drunk driving, reckless behavior, or excessive speeding, a claim may be pursued to seek additional compensation.
3. Defective Vehicle or Parts: If the accident occurred due to a defective vehicle or faulty parts, a claim may be filed against the manufacturer or distributor responsible for the defect.
4. Third-Party Liability: If another party, such as a construction company, government entity, or road maintenance crew, played a role in causing the accident, a claim may be pursued against that party for damages.