Car accidents in Florida can be overwhelming — not just because of the damage or injuries, but also because of the complex insurance laws that come into play. Florida is a “no-fault” insurance state, meaning your own insurance typically covers your medical bills regardless of who caused the accident. But what many people don’t realize is that serious injuries often require more compensation than PIP benefits can provide.
That’s where having the right attorney makes a difference.
1. Understanding Florida’s No-Fault Laws
Under Florida’s no-fault system, your personal injury protection (PIP) insurance covers up to $10,000 in medical expenses. But if your injuries are severe — such as broken bones, long-term pain, or permanent impairment — this may not be nearly enough. In those cases, you may be able to step outside the no-fault system and file a claim against the at-fault driver.
An experienced car accident attorney can help determine whether your case qualifies and ensure the proper legal steps are taken.
2. Protecting You from Insurance Tactics
Insurance companies are in the business of saving money — not paying it out. They may offer quick settlements that don’t cover the full cost of your injuries, or they may try to downplay your claim entirely. Having an attorney means you don’t have to face them alone. Your lawyer can handle negotiations, gather evidence, and fight for the fair compensation you deserve.
3. Maximizing Your Compensation
A skilled attorney can help you pursue compensation for:
- Medical bills (past, present, and future)
- Lost wages and loss of earning potential
- Pain and suffering
- Property damage
- Rehabilitation or long-term care needs
4. Peace of Mind While You Heal
After a car accident, you should be focused on recovery — not endless paperwork or stressful phone calls with insurance adjusters. When you hire James Piccolino Law, we take on the legal burden so you can prioritize your health and your family.
5. Free Consultations & No Fees Unless We Win
We believe everyone deserves strong legal representation after an accident. That’s why we offer free consultations and work on a contingency fee basis — meaning you don’t pay us unless we recover compensation for you.