Florida Car Accident Claims
Florida's no-fault framework means your own insurer covers an initial portion of medical expenses regardless of fault, but that coverage is quickly exhausted by any serious injury. Recovering beyond it requires meeting a statutory threshold and pursuing the at-fault driver, which is where most claims become contested.
Insurers dispute these cases along predictable lines. They argue the impact was too minor to cause the injury claimed, that treatment was excessive, or that a gap in care means the person recovered and then sought treatment for unrelated reasons. Each of these arguments is answerable, but answering them requires the medical record to be assembled deliberately rather than after the fact.
What We Do
We obtain the crash report and any available video before it is overwritten, which is often a matter of days. We work with treating physicians to document the injury properly from the outset, and we retain accident reconstruction experts where the mechanism of injury is likely to be disputed.
Where an at-fault driver carries insufficient coverage, we examine whether uninsured motorist coverage, an employer's commercial policy, or another responsible party can provide a source of recovery. That analysis is frequently the difference between a nominal settlement and a meaningful one.
