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After a serious car accident, the pressure starts fast. Medical bills arrive before you are back on your feet. An insurance adjuster may call within days, asking questions designed to limit what they pay. Meanwhile, Florida law sets strict deadlines that govern your right to pursue compensation at all.
Frankl Kominsky Injury Lawyers represents injured people across Boca Raton and Palm Beach County in Florida car accident cases. Our Boca Raton car accident attorneys are available 24/7, serve clients in English and Spanish, and handle every case on a contingency basis, meaning no fees unless we recover compensation for you.
If you were hurt in a crash on Federal Highway, near the I-95 interchange at Yamato Road, or anywhere else in the Boca Raton area, contact us for a free case evaluation or call us at 561-800-8000.
How Florida's No-Fault Insurance Affects Your Boca Raton Car Accident Claim
Florida operates under a no-fault insurance system, which shapes how car accident claims begin. Every registered vehicle owner in the state must carry Personal Injury Protection coverage, commonly called PIP.
Under Florida Statute § 627.736, PIP covers 80% of reasonable and necessary medical expenses, regardless of who caused the crash, but benefits may be capped at $2,500 unless the injury qualifies as an emergency medical condition.
That sounds straightforward. In practice, PIP coverage runs out quickly when injuries are serious, and it does not cover pain and suffering at all. For many crash victims in Boca Raton, PIP is a starting point, not a solution.
The 14-Day Rule and Why It Matters
One of the most consequential deadlines in a Florida car accident case has nothing to do with courts or lawyers. Under Florida Statute § 627.736(1)(a), you must receive initial medical treatment from a qualifying provider within 14 days of the crash to preserve your PIP benefits at all. Missing this window does not reduce your benefits. It eliminates them entirely.
Insurance adjusters are also aware of this deadline. A gap in early medical care gives them an argument that your injuries were not serious or were not caused by the crash. Seeking medical attention promptly after an accident protects both your health and your legal position.
When a Personal Injury Claim Goes Beyond PIP
Florida law allows crash victims to step outside the no-fault system and pursue a personal injury claim against the at-fault driver when injuries meet a defined legal threshold.
Permanent injury, significant and permanent scarring or disfigurement, and death all qualify. When injuries reach that threshold, compensation may extend well beyond what PIP provides, including damages for pain and suffering, lost earning capacity, and long-term care.
A car accident lawyer at Frankl Kominsky Injury Lawyers may review your injuries, your insurance coverage, and the circumstances of your Boca Raton crash to assess what claims may be available to you. Reach out today for a free consultation.
Establishing Fault in a Boca Raton Car Accident Case
Most car accident claims in Florida rest on negligence. To hold another driver responsible for your injuries, a claim must establish four things: duty, breach, causation, and damages.
Every Florida driver owes a legal duty to operate their vehicle safely and follow traffic laws. A driver breaches that duty when they run a red light, follow too closely, or make an unsafe lane change. That breach must connect directly to the crash and to your injuries. And you must have suffered real, documentable harm as a result.
Each element matters. A claim that cannot establish all four may not survive an insurer's challenge or a legal challenge in court.
How Florida's Modified Comparative Negligence Rule Works
Florida allows fault to be shared between multiple parties in a car accident case. Your compensation is reduced by whatever percentage of fault a jury assigns to you. If you are found 20% at fault, your recoverable damages drop by 20%.
The threshold matters too. If you are found more than 50% responsible for the crash, Florida law bars recovery entirely.
Insurers understand this rule well and use it deliberately. Assigning partial blame to the injured party is one of the most common tactics used to reduce claim value. A car accident attorney in Boca Raton may help document the facts of your crash in a way that counters those arguments with evidence rather than leaving your account open to reinterpretation.
How Frankl Kominsky Injury Lawyers Handles Boca Raton Car Accident Cases
Frankl Kominsky Injury Lawyers has recovered over $250 million for injured clients across South Florida, with more than 60 years of combined personal injury experience across our legal team.
That track record reflects thousands of cases involving the same pressures our Boca Raton clients face: disputed liability, resistant insurers, and injuries that demand more than a quick settlement offer.
When you bring your case to us, we take over the communications that put injured people at a disadvantage. We respond to insurer contacts, gather crash reports, medical records, and available physical evidence, and retain accident reconstruction specialists or medical experts when the case requires it.
You focus on recovering. We focus on building the strongest possible claim.
Our attorneys have received recognition from Super Lawyers, AVVO, and other respected legal organizations, but the feedback that matters most comes from the people we have represented. Clients consistently describe our team as responsive, thorough, and committed to results rather than quick resolutions.
What Compensation May Be Available After a Boca Raton Car Accident
Compensation in a Florida car accident case falls into two broad categories: economic and non-economic losses. Economic damages cover losses that carry a measurable dollar value. Non-economic damages address the ways a serious injury affects a person's life beyond the financial impact.
Economic Damages in Palm Beach County Car Accident Cases
Economic damages are grounded in documentation. Medical records, billing statements, pay stubs, and employment records all contribute to building the financial picture of what a crash cost you.
Recoverable economic losses may include:
- Emergency room treatment, hospitalization, diagnostic imaging, and surgery
- Ongoing specialist care, physical therapy, and rehabilitation
- Prescription medications, medical devices, and home health services
- Lost wages during the recovery period
- Reduced earning capacity when injuries affect your ability to work long-term
- Vehicle repair or replacement and other property losses
The strength of an economic damages claim often depends on how consistently and thoroughly a victim documents their losses from the beginning. Gaps in treatment or incomplete records give insurers room to argue that injuries were less severe than claimed.
Non-Economic Damages
Non-economic damages compensate for what cannot be totaled on a billing statement. Physical pain, emotional distress, loss of enjoyment of activities, and changes in personal relationships all factor into this category.
Florida allows recovery for these losses when injuries meet the threshold for a claim outside the no-fault system.
If a family member died in a Boca Raton car accident, Florida law provides a separate avenue for surviving family members through a wrongful death claim.
Ask Frankl Kominsky
Q: How long do I have to file a car accident claim in Boca Raton?
A: Most Boca Raton car accident victims have two years from the date of the crash to file a personal injury lawsuit under Florida Statute § 95.11(5)(a). Missing this deadline may permanently eliminate your right to pursue compensation.
Q: What if the driver who hit me had no insurance or minimal coverage?
A: You may still have a path to compensation if the at-fault driver was uninsured or underinsured. Florida allows crash victims to pursue a claim through their own uninsured or underinsured motorist coverage in these situations. The amount available depends on the terms of your own policy.
Q: What does it cost to hire a car crash lawyer in Boca Raton?
A: Our firm handles car accident cases on a contingency fee basis. There are no upfront costs, no hourly fees, and no payment of any kind unless we recover compensation for you. The initial consultation is free.
Common Car Accident Scenarios Our Boca Raton Attorneys Handle
Boca Raton's road network carries a heavy mix of residential traffic, commercial vehicles, and seasonal visitors. Federal Highway and US-1 see consistent congestion through downtown. The I-95 interchanges at Glades Road and Yamato Road are among the busiest in Palm Beach County.
These conditions produce a predictable range of crash types, each with its own liability considerations.
Rear-End Collisions
Rear-end crashes are among the most frequent on Boca Raton's congested corridors. They are also among the most underestimated. Whiplash, cervical disc injuries, and traumatic brain injuries frequently result from impacts that cause little visible vehicle damage.
Symptoms may not appear until days after the crash, which is one reason early medical evaluation matters even when a victim initially feels fine.
T-Bone and Side-Impact Crashes
Side-impact collisions at intersections along Federal Highway and Palmetto Park Road tend to produce serious injuries. The door panels of a vehicle offer far less structural protection than the front or rear. Occupants on the struck side often sustain broken bones, internal injuries, and head trauma.
Establishing which driver had the right of way is central to liability in these cases.
Head-On Collisions
Head-on crashes are less common but carry a high rate of catastrophic and fatal injury. Wrong-way drivers on divided roadways and vehicles crossing center lines account for most of these collisions.
The combined force of two vehicles traveling toward each other multiplies the severity of the impact significantly.
Hit-and-Run Accidents
When the at-fault driver flees the scene, the path to compensation shifts. Rather than pursuing the other driver's liability policy, recovery typically runs through your own uninsured motorist coverage.
Moving quickly to preserve witness information and any available surveillance footage from nearby businesses or traffic cameras may be critical to the outcome of a Boca Raton hit-and-run claim.
Rideshare Accidents
Crashes involving Uber and Lyft drivers require a careful analysis of which insurance policy applies. Rideshare companies maintain different coverage tiers depending on whether the driver was actively transporting a passenger, waiting for a ride request, or operating the vehicle on personal time.
Identifying the applicable coverage layer at the time of the crash is one of the first steps in evaluating a rideshare accident claim.
FAQs for Our Boca Raton Car Accident Attorneys
What types of injuries are most common in Boca Raton car accidents?
Car accidents in Boca Raton can produce a range of different injuries, including:
- Soft tissue injuries
- Spinal disc damage
- Traumatic brain injuries (including concussions)
- Broken bones
- Whiplash and cervical spine injuries
- Internal soft tissue damage
The severity of the injuries, as well as the available insurance, directly impact the available compensation.
What happens if the other driver's insurance company contacts me first?
You are not legally required to give the at-fault driver's insurer a recorded statement, even if they reach out quickly. These statements are frequently used to minimize your claim, either by locking in descriptions before the full extent of injuries is known or by eliciting suggestions of shared fault. Declining politely until you speak with an attorney is the most protective approach.
Can I still file a claim if my injuries appeared days after the crash?
Yes. Injuries can show up days after a crash, and what matters most is getting medical care as soon as symptoms appear and making sure the records connect those symptoms to the accident. A delay can give the insurer room to argue causation, so prompt evaluation helps strengthen the claim.
What if a defective vehicle part contributed to my injuries in a Boca Raton crash?
If a defective part, like an airbag, brake system, or tire, contributed to the crash or made your injuries worse, you may have a product liability claim in addition to a negligence claim against the driver. Preserving the vehicle and its parts is important because these cases often depend on expert inspection.
Ready to Discuss Your Claim? Contact Our Experienced Boca Raton Car Accident Lawyers
Recovering from a car accident while managing insurance calls, medical appointments, and financial uncertainty is genuinely hard. You do not have to sort through it alone.
Frankl Kominsky Injury Lawyers is available around the clock to answer questions, review your situation, and explain what your options may be, without any pressure or obligation. We serve clients in Boca Raton, throughout Palm Beach County, and across South Florida.
Call our Boynton Beach office at 561-800-8000 or reach us online whenever you are ready. Our team handles cases in English and Spanish, and you pay nothing unless we recover compensation for you.
Past results do not guarantee future outcomes.
