Florida is no stranger to car accidents, from fender benders in suburban neighborhoods to major collisions on highways. While not every crash leads to a lawsuit, knowing when to take legal action can make a major difference in your recovery, both physically and financially.
Understanding Florida’s no-fault insurance rules
Florida follows a no-fault insurance system, which means you’ll typically turn to your own insurance company first to cover medical bills and lost wages, regardless of who caused the crash. But there’s a catch — your right to sue is limited unless your injuries meet certain criteria.
If you suffer what Florida law defines as a “serious injury,” such as significant or permanent damage, broken bones, or disfigurement, you may step outside the no-fault system and file a personal injury lawsuit. Medical costs that exceed your policy limits can also open the door to legal action.
Signs you may need a lawyer
Not every crash needs a courtroom, but some clear signs mean it’s time to talk to a personal injury attorney. If your injuries are long-term, prevent you from working, or significantly reduce your quality of life, legal action may be necessary.
You should also consider litigation if the other driver denies fault or their insurance company offers a low settlement that doesn’t cover your expenses. Insurers often aim to settle quickly and cheaply, don’t let financial stress force you into an unfair deal.
In cases involving reckless or drunk driving, or if you’ve lost a loved one due to another driver’s negligence, pursuing a lawsuit can help you recover damages for medical bills, lost income, emotional distress and more.
Act fast; you can only file claims within a given time period
Don’t wait too long to take action. Florida law gives you four years from the date of the car accident to file a personal injury lawsuit. If someone died in the crash, you have just two years to bring a wrongful death claim. Miss these deadlines, and you may lose your right to seek compensation entirely.
Protecting your rights starts now
If you’ve been seriously hurt in an accident in Florida, your first priority is to recover from your injuries. Once you’ve received proper treatment, your next priority is to consider filing a claim for your injuries especially if you feel overwhelmed by medical bills, insurance issues or ongoing pain. A personal injury attorney can review your case, explain your options and guide you through the next steps.
The sooner you act, the better your chances of securing fair compensation and holding the right parties accountable.
