Automobile Accidents
Injured in a Car Accident?
Don’t let insurance companies control the outcome. We fight back so you get paid, not pushed around.
How to Recover Compensation After a Car Accident in Florida
Using the At-Fault Driver’s BI Coverage, or Your Own UM/UIM Coverage
If you’ve been injured in a car accident in Florida, your ability to recover compensation depends on the other driver’s insurance — and sometimes your own.
Going After the At-Fault Driver’s Bodily Injury (BI) Liability Coverage. What It Covers:
BI coverage pays for injuries or death you cause to someone else in an accident where you’re at fault.
- BI Coverage Is Not Required by Law.
Many drivers carry it, but some don’t — which makes recovering damages difficult unless they have BI. - If the At-Fault Driver Has BI:
You can file a claim against their BI policy to cover:- Medical expenses
- Lost wages
- Pain and suffering
- Future treatment or disability
Using Your Own Uninsured/Underinsured Motorist Coverage (UM/UIM). What It Covers:
UM/UIM coverage protects you and your passengers if you’re injured by a driver who:
- Has no BI insurance, or
- Doesn’t have enough BI coverage to pay for your injuries.
Why It’s Important in Florida:
- Florida law does not require BI coverage, so UM is often your only option for compensation.
- Covers you and your household members, even if hit while walking or biking. Pays for:
- Medical expenses
- Lost wages
- Pain and suffering
- Future treatment or disability
Coverage Limits:
You can purchase UM coverage in the same amount (or less) as your BI liability coverage. For example, if you carry $100,000/$300,000 in BI, you can elect the same in UM.
10 Steps to take after a car accident:
Check for Injuries
Make sure everyone involved is safe. Call 911 if anyone is injured.
Move to a Safe Location
If possible, move vehicles out of traffic to prevent further accidents.
Call the Police
A police report documents the accident and is often required for insurance claims.
Exchange Information
Get the other driver’s name, phone number, insurance company, policy number, and vehicle details.
Document the Scene
Take photos of vehicles, damages, skid marks, traffic signs, and the surrounding area. Collect contact information from witnesses.
Contact a Car Accident Lawyer
An attorney can help maximize your recovery, handle insurance communications, and determine if your injuries qualify for claims beyond PIP coverage.
Seek Medical Attention
Even if you feel okay, see a doctor. Some injuries appear hours or days later. Remember, Florida law requires treatment within 14 days to use your PIP benefits.
Notify Your Insurance Company
Report the accident promptly, but avoid giving recorded statements to the other driver’s insurer before consulting a lawyer.
Keep Detailed Records
Track medical bills, repair estimates, lost wages, and any other accident-related expenses.
Avoid Social Media Posts About the Accident
Insurance companies may monitor posts to reduce your claim. Keep details private until your case is resolved.