Florida Car Accident Attorneys

At Frankl Kominsky Injury Lawyers, our Florida car accident attorneys represent injured drivers, passengers, and families across Florida, handling the legal battle so you can focus on recovery. We know how a serious car accident can upend your life in seconds — and while you’re still in pain, the insurance company is already working to pay you as little as possible. You shouldn’t have to fight them while you heal. 

We’re a statewide Florida firm that has recovered over $250 million for our clients, with more than 60 years of combined injury law experience. From your first call, an attorney — not a case manager — reviews what happened and tells you honestly whether you have a claim. Insurers count on you settling fast, before you know what your case is worth. 

Never Settle For Less ® is how we approach every negotiation and, when needed, every trial.

Call 561-800-8000 for a free, 24/7 consultation. If you can’t come to us, we’ll come to you.

Table Of Contents

Florida Car Accident Statistics: How Common Are Crashes Here?

Florida is one of the most dangerous states in the country to drive. State crash data shows roughly 395,000 crashes and about 3,375 deaths in one recent year, and an estimated 381,000 crashes and 3,184 deaths in the following year. Behind those numbers are tens of thousands of people who suddenly needed medical care, time off work, and a way to hold a careless driver accountable.

Some roads are far more dangerous than others. Interstate 4, the 132-mile corridor between Tampa and Daytona Beach, is repeatedly ranked the deadliest highway in the United States by deaths per mile. Interstate 95 carries the highest total number of fatal crashes in the state, and its South Florida stretch — roughly Delray Beach to North Miami — is among the deadliest anywhere in Florida. U.S. 1 and I-75 (“Alligator Alley”) also see a large share of severe crashes.

These numbers explain how insurers treat Florida claims: as a high-volume business, with a playbook for minimizing each one. Knowing how to resolve these cases is part of what an experienced attorney brings to your claim.

What Is Florida’s No-Fault Insurance Law?

Florida is a no-fault car insurance state. After most crashes, your own Personal Injury Protection (PIP) coverage pays your initial medical bills and part of your lost wages — regardless of fault. Every Florida driver must carry at least $10,000 in PIP.

PIP generally covers 80% of your reasonable medical expenses and 60% of lost wages, up to the $10,000 limit. There’s a catch that surprises many people: you must seek treatment within 14 days of the crash, or you can lose PIP benefits entirely. Also, if a doctor doesn’t diagnose an “emergency medical condition,” your benefits may be capped at $2,500.

Because $10,000 rarely covers a serious injury, Florida law lets you step outside no-fault and sue the at-fault driver when your injuries are serious, including a permanent injury, significant scarring or disfigurement, or permanent loss of an important bodily function. That’s where the real fight over full compensation begins, and where a lawyer matters most.

The at-fault driver’s insurer is not on your side. It will often argue that your injuries aren’t serious enough to leave the no-fault system. We work to build the medical record to defeat that argument.

Common Types of Florida Car Accidents We Handle

We handle every type of Florida crash, from routine rear-end collisions to catastrophic highway pileups. The type of crash shapes who is liable and what evidence we need. These are the types we handle most.

Distracted Driving Crashes

Texting, scrolling, and screen use take a driver’s eyes off the road long enough to cause serious harm. These cases often depend on phone records, in-vehicle data, and camera footage — evidence we know how to request and preserve before it disappears.

Rear-End Collisions

Rear-end crashes are the most common on Florida roads and a frequent cause of neck and back injuries. The trailing driver is usually — but not always — at fault. Insurers argue these injuries are minor, so early, consistent treatment is critical to your claim.

T-Bone and Side-Impact Crashes

Side-impact or “T-bone” crashes often happen when a driver runs a light or fails to yield, and they cause severe injuries because a vehicle’s side offers little protection. Liability usually comes down to right-of-way, making witnesses and camera footage especially important.

Rollover Crashes

Rollovers are among the deadliest crashes, common in SUVs and trucks at highway speed. Causes range from driver error to tire failure or a vehicle defect, so these cases often require accident reconstruction to establish what happened and who’s responsible.

Rideshare (Uber and Lyft) Crashes

Crashes involving an Uber or Lyft raise insurance questions ordinary crashes don’t, because coverage depends on what the app driver was doing at the moment of impact. Identifying which policy applies can significantly change your recovery.

Commercial Vehicle and Truck Crashes

A collision with a commercial truck or company vehicle isn’t a typical car accident. These cases can involve multiple responsible parties, federal safety rules, and evidence like logbooks and onboard data — with higher stakes on both sides.

Drunk and Impaired Driving Crashes

Crashes caused by an impaired driver are among the most devastating because they’re entirely preventable. We move fast to preserve evidence — police reports, test results, and bar records — and, in the right cases, pursue the additional damages the law reserves for reckless conduct.

What Damages Can You Claim After a Florida Car Accident?

After a Florida crash, you can generally recover economic damages (your financial losses) and non-economic damages (the human cost). Florida places no cap on pain and suffering in a standard car accident case, so your recovery is driven by the severity of your injuries — not an arbitrary limit.

• Past and future medical expenses — from the ER through surgery, rehab, and the care you’ll still need years from now.
• Lost wages and earning capacity — income missed now, and future earnings if your injuries limit your ability to work.
• Pain and suffering — physical pain, mental anguish, and loss of enjoyment of life, with no cap in a typical auto case.
• Property damage — repair or replacement of your vehicle and other property.
• Wrongful death damages — funeral and burial costs, lost support, and loss of companionship.

Insurers undervalue future medical care and pain and suffering because they’re the largest parts of a claim. We build the record using treating physicians, medical experts, and life-care planners,  so the number reflects your lifetime cost.

The Florida Car Accident Claim Process, Step by Step

Most Florida claims follow the same path: get care, open your PIP claim, build the case, and file suit if the insurer won’t pay fairly. Here’s how it works, in plain language.

1. Right after the crash. Call 911, get prompt care (remember the 14-day PIP rule), photograph the scene, gather driver and witness info, and don’t admit fault.
2. Open your PIP claim. Your insurer pays initial bills and part of your wages up to the $10,000 limit, no matter who caused the crash.
3. Investigation and demand. We gather the police report, records, and evidence, establish liability, and send a documented demand to the at-fault insurer.
4. Negotiation. Most cases resolve here. Insurers open low; we push back with proof of your full damages.
5. Filing a lawsuit. If they won’t pay fairly, we file suit — always mindful of Florida’s filing deadlines.
6. Litigation and trial. Discovery, depositions, and mediation follow, and we try the case if full compensation requires it. Cases can take anywhere from a couple of months to a couple of years.

The sooner we start, the more evidence we preserve. Call 561-800-8000 for a free consultation.

How Florida’s HB 837 Tort Reform Changed Your Rights

In March 2023, Florida enacted a sweeping tort reform law, HB 837, that made injury claims more time-sensitive and, in some ways, harder to win. Two changes matter most to crash victims: a shorter filing deadline and a stricter fault rule.

A shorter deadline to file

For crashes on or after March 24, 2023, you have two years from the accident to file a lawsuit — reduced from four. Miss it, and you almost certainly lose the right to recover. This is the single biggest reason not to wait.

A stricter fault rule

Florida used to let you recover even if you were mostly at fault. Now, under the most recent comparative fault rules, if you’re found more than 50% at fault, you recover nothing. At 50% or less, you can still recover, but your compensation is reduced by your share. The insurer now has a powerful incentive to pin the fault on you.

Bad-faith and evidence changes

HB 837 also changed how insurers are held accountable for bad faith by adding a notice-and-cure step and limited the medical bills shown to a jury. The takeaway: documenting your claim correctly from day one matters more than ever.

Insurers know these rules and use the fault rule against you. Establishing that you were 50% or less at fault — ideally, far less — is now central to your recovery.

How Frankl Kominsky Handles Florida Car Accident Cases

When you partner with Frankl Kominsky, our attorneys take over the fight with the insurer from day one. We investigate, build the case, negotiate hard, and if they won’t pay what your case is worth, we’re prepared for trial. You pay no attorney’s fee unless we win.

Thorough investigation

We move quickly to preserve the crash scene, vehicle event data recorder information, traffic and surveillance footage, and witness statements, using accident reconstruction as needed. Evidence disappears fast, and acting early often decides liability.

The right experts

We work with accident reconstructionists, treating physicians, life-care planners, and economists to show not just what happened, but what your injuries will cost you over time.

Negotiation backed by trial readiness

Most cases settle, but our willingness to try cases gives our demands extra weight. Insurers know which firms will go to court. We take the right route, not the easy route.

No fee unless we win

Your consultation is free, and we work on a contingency basis — no attorney’s fee unless we recover for you. We also advance the costs of investigation and experts.

Frankl Kominsky has earned over 2,000 verified client reviews, an A+ rating from the Better Business Bureau, and recognition from Super Lawyers, Avvo, the Multi-Million Dollar Advocates Forum, and the National Trial Lawyers. Past results have ranged from $10,000 to $6.5 million in a truck accident settlement.

Cases are legally reviewed by founder Steven L. Frankl, recognized by the National Trial Lawyers Top 40 Under 40 and named a Florida Super Lawyers Rising Star.

Frankl Kominsky Office Locations — Serving All of Florida

Frankl Kominsky represents crash victims throughout Florida, with four offices along the east coast. If your injuries make travel hard, we’ll come to you.

Boynton Beach (Main Office): 2240 Woolbright Rd, Suite 201, Boynton Beach, FL 33426

Pompano Beach: 1000 W McNab Rd, Suite 182, Pompano Beach, FL 33069

Port St. Lucie: 8454 S. US Highway 1, Port St. Lucie, FL 34952

Palm Bay: 2550 Palm Bay Rd NE, Suite 212, Palm Bay, FL 32905

Contact our team at (561) 800-8000; we are available 24/7.

Florida Car Accident FAQ

Talk to the Florida Car Accident Lawyers at Frankl Kominsky Injury Lawyers for Free, 24/7

You don’t have to face the insurance company alone, and you don’t have to wait. Frankl Kominsky Injury Lawyers has recovered over $250 million for injured Floridians, and we’re ready to fight for you. Your consultation is free, we’re available 24/7, and if you can’t come to us, we’ll come to you. There’s no fee unless we win.

Call 561-800-8000 now, or reach us through our online contact form. 

Never Settle For Less ®.