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Most people assume a rear-end crash is a clear cut claim and get blindsided when insurers argue that you stopped short or hit the breaks suddenly to paint you at fault. In Florida, being found more than 50% at fault means you recover nothing. So make sure to lawyer up and fight back. Talk to Scott Senft free, 24/7.
Tell us what happened. We'll explain your rights, your insurance, and your options at no cost.
Florida PIP requires treatment within 14 days of the crash. We connect you with medical providers across Miami-Dade, Broward, and Palm Beach.
Medical records, police reports, witness statements, and the evidence the insurance company hopes you won't collect.
We negotiate with the insurer. If the offer isn't fair, we're prepared to take your case to trial.
In Florida, you have two years to claim injury after the date of the car accident (exceptions apply depending on the case). However, it is recommended that you hire a Florida car accident lawyer immediately after the crash. A car accident lawyer will advise you on the most advantageous course of action and help you receive the full extent of compensation you are entitled to under Florida law.
Yes. Florida PIP only pays medical benefits if you get initial treatment within 14 days of the crash (Fla. Stat. § 627.736). Miss that window and you can lose PIP medical coverage entirely, even for a real injury. We can connect you with a provider near you.
No. Bills to repeal Florida's no-fault law died in committee in March 2026. PIP is still required and still pays first after a crash.
Florida uses modified comparative negligence (Fla. Stat. § 768.81). Your recovery is reduced by your share of fault, and if you're found more than 50% at fault, you can't recover anything. Insurers know this, so they push fault onto you. Talk to us before you give any statement.
Under Fla. Stat. § 627.737, a serious injury means a significant and permanent loss of an important bodily function, a permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, or death. Meeting this threshold allows you to pursue pain and suffering.
Not automatically. Florida presumes the rear driver is at fault, but insurers challenge it with sudden stop, brake light, or lane change arguments. Strong evidence early matters.
Senft Legal works on a contingency fee of 33% to 40% of the recovery. If there's no recovery, you owe no fees and no costs.
Florida is a no-fault state, so your own PIP coverage pays first, no matter who caused the crash. But it doesn't go far. PIP pays only 80% of your medical bills and 60% of your lost wages, and it stops at $10,000. Without an emergency medical condition diagnosis, it stops at just $2,500.
PIP also pays nothing for pain and suffering, and nothing at all if you don't get treatment within 14 days of the crash. If your injury is serious, you may be able to pursue the at-fault driver for what PIP leaves behind. Was your PIP denied or capped? Get a free review.
Results may vary depending on your particular facts and legal circumstances.
