Miami Car & Truck Accident Attorney

After a crash, the phone calls start fast: the other driver's insurer, a body shop, sometimes a clinic you've never heard of. Everyone wants something signed. What you actually need first is a clear picture of your rights, your deadlines, and what your case is worth. That's what the first conversation with us is for.

Florida's No-Fault System, in Plain Terms

Florida requires personal injury protection (PIP) coverage on your own policy. Under section 627.736, Florida Statutes, PIP pays 80 percent of reasonable and necessary medical expenses, but only if you receive initial care within 14 days of the accident. Miss that window and PIP medical benefits are off the table. There's a second trap most people don't know about: unless a physician, dentist, physician assistant, or advanced practice registered nurse determines you had an emergency medical condition, your PIP medical benefit is capped at $2,500 instead of $10,000.

This is why we tell everyone the same thing: get evaluated promptly even if you feel "mostly fine." Adrenaline masks injuries, and the law does not wait for symptoms to show up.

When a Case Goes Beyond PIP

PIP is only the first layer. Serious injuries open the door to claims against the at-fault driver and, in many cases, other responsible parties: an employer whose driver was on the clock, a rideshare company's coverage tiers, or your own uninsured/underinsured motorist (UM/UIM) coverage when the at-fault driver has little or no insurance. South Florida has one of the highest rates of uninsured drivers in the country, so UM/UIM analysis is not an afterthought here. It's often where the real recovery is.

Cases We Handle

• Car and SUV collisions, from intersection T-bones on US-1 to rear-end crashes on I-95 and the Palmetto.
• Truck and commercial vehicle accidents, where federal regulations, driver logs, and corporate defendants change the entire playbook.
• Rideshare accidents involving Uber or Lyft, as a passenger, another driver, or a pedestrian.
• Hit-and-run and phantom vehicle claims, which typically run through your own UM coverage.
• Motorcycle, bicycle, and pedestrian injuries, where insurers lean hard on blame-the-victim narratives.

The Two Deadlines That Matter Most

First, the 14-day PIP treatment window described above. Second, the statute of limitations: under section 95.11(5)(a), Florida Statutes, a lawsuit founded on negligence must generally be filed within two years. Wrongful death claims also carry a two-year limit. Two years sounds like a long time; it is not. Evidence disappears, vehicles get repaired or scrapped, and witnesses move. The earlier we start, the stronger the case.

What If the Crash Was Partly Your Fault?

Florida uses modified comparative negligence. Under section 768.81, Florida Statutes, your recovery is reduced by your percentage of fault, and if you're found more than 50 percent at fault, you recover nothing. Insurers know this rule and use it aggressively. Building the record early, with photos, witness statements, and crash data, is how you keep an adjuster from inventing fault that wasn't yours.

How We Work Car Accident Cases

• Contingency fee. Our attorney's fee comes out of the recovery, and only if there is one. Costs and expenses are explained in writing before you sign anything.
• Direct attorney access. Your case is handled by the attorney you hire, not passed to a case manager at a settlement mill.
• Bilingual representation. Every step available in English and Spanish.
• Trial-ready posture. Most cases settle. They settle better when the other side knows you're prepared to file.

Read our step-by-step guide on what to do after a car accident in Florida, or learn more about our broader personal injury practice.

Frequently Asked Questions

How long do I have to file a car accident lawsuit in Florida?

Generally two years from the accident for negligence claims under section 95.11(5)(a), Florida Statutes. Some situations shift the analysis, so get your specific deadline confirmed in writing by an attorney rather than relying on a general rule.

What is the Florida PIP 14-day rule?

Under Florida's PIP statute, you must receive initial medical care within 14 days of the accident for your PIP medical benefits to apply. Waiting longer can forfeit up to $10,000 in coverage you already paid for.

The insurance company already offered me money. Should I take it?

Not before you understand what the claim is actually worth. Early offers usually arrive before the full extent of your injuries is known. Once you sign a release, the claim is over, even if your condition gets worse.

What if the other driver has no insurance?

This is common in South Florida. If you carry uninsured/underinsured motorist coverage, your own policy may step into the at-fault driver's shoes. We review every available policy, including household policies people don't realize apply.

What does it cost to hire you?

Car accident cases are contingency fee: the attorney's fee is a percentage of the recovery and is owed only if we recover for you. How costs and expenses are handled is explained in writing before any engagement is signed.