Riverview Car Accident Lawyer

Riverview Car Accident Attorney

Santini Personal Injury & Car Accident Law represents people injured in car accidents in Riverview, Hillsborough County, and nearby communities including Brandon, Gibsonton, Apollo Beach, Lithia, FishHawk, and Tampa. Our Riverview car accident lawyer helps crash victims with rear-end collisions, intersection crashes, commercial vehicle accidents, uninsured driver claims, PIP/no-fault issues, serious injury claims, lost income claims, and settlement negotiations with insurance companies.

Car accidents can happen unexpectedly, sometimes with devastating results. If you or a family member recently experienced a car accident in the Riverview area, you are likely to have many important legal questions regarding who is at fault, what type of damages you have suffered, and how you can recover these losses. A Riverview car accident lawyer can help you with those and other important legal matters.

Recovery from a car accident in Florida can sometimes be a straightforward process due to the state’s no-fault rule, which requires drivers to use their own auto insurance to pay for damages in an accident regardless of fault. However, the no-fault rule does not entirely prevent you from seeking legal recourse if another driver is clearly to blame for causing your recent accident.

The team at the Santini Law Firm is ready to provide the professional legal representation you need to navigate your recovery from an auto accident in Riverview with confidence and peace of mind. Depending on how your accident happened and the scope of the damages you suffered, your recovery process may entail an auto insurance claim, a personal injury suit, or both.

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813-750-0422

7269 Bucks Ford Dr.
Riverview, FL 33578

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Why are there so many Car Accidents in Riverview, FL?

Proving fault is not always necessary for every car accident case in the Riverview area. If you only sustained minor damages, it is possible that your auto insurance policy will cover the full extent of your losses, and there will be no need to pursue further legal action. However, if your damages exceed the scope of your insurance coverage or you suffered any type of serious injury that causes long-term or permanent harm, these factors can form grounds for a civil suit against the driver who caused your accident.

While in many instances injuries from a car accident are not serious enough to retain a personal injury lawyer in Riverview, one should always be self aware of the injury, however minor, as time passes after the accident. Last year our firm received a call from a twenty-five year old man who was rear-ended on Bloomingdale Avenue in November. He did not call our Riverview personal injury attorney until 6 months after the accident. When we asked him the reason for the delay, he responded like many of us would, he was trying to “tough it out” and “hoping the pain would go away.” In his case, this delay severely compromised how much his Riverview car accident case was worth. This rear-end accident victim had a potential claim worth as much as $250,000 that was now worth much less because of his desire to fight through the pain and not seek medical treatment immediately or even in the days and weeks after the accident. The moral of the story is to always get checked out by a medical provider following an accident, preferably an urgent care if you don’t think your injury is serious. An urgent care is preferable in these situations because your medical bill will be lower than seeking treatment at a hospital emergency room.

The process of proving fault changes based on the specific details of an accident. A few of the most commonly reported causes of car accidents in the state that lead to civil claims for damages include:

• Distracted driving. If another driver was not paying attention to the road when they caused your accident, your auto accident attorney could help obtain their cell phone records, traffic camera recordings, and testimony from witnesses who saw the accident happen in real-time to prove their liability. Many Riverview residents are likely all too aware of the stop-and-start, hustle and bustle of US-301. Unfortunately, many of the phone calls to our Riverview lawyer’s office are about rear-end car accidents on US-301 from distracted driving. Distracted driving is not just a concern for rear-end accidents. Drivers, distracted by their phones, routinely blow through stop signs and stop lights resulting in horrific T-Bone accidents in Riverview. It is a scary thing to realize that, as a driver in Riverview, you cannot trust a green light because you cannot trust other drivers to be looking where they should be.
• Speeding. Whenever drivers speed past posted speed limits, they inherently increase their risk of causing an accident. Crashes are not only more likely when drivers speed, but these crashes are also likely to inflict severe or even fatal injuries on those involved. Excessive speeding might lead to reckless driving charges against a driver, especially if they cause an accident. With I-75 running right through Riverview and commuters from Tampa, Sarasota, and Bradenton trying to get home or to their jobs, we often see truck accidents on I-75 tied to speeding and distracted driving. In discussing distracted driving above, we mentioned the fear of drivers not obeying red lights and stop signs due to distractions from our smart devices. This fear is compounded when we realize that some of these distracted drivers are also speeding, furthering the danger of their actions behind the wheel. Our readers do not need a scientific study to understand that looking at one’s phone and not paying attention to the road is that much more dangerous when accompanied by speeding.
• Riverview is Congested. Our Riverview residents simply need to look around to realize this simple fact. For years, an explosion of housing growth in Riverview has resulted in more people, which equals more traffic on roads that cannot handle it. Our local Tampa Bay news has covered this many times. Riverview residents continue to express their concerns as shown in this recent article about a dangerous turn at Bloomingdale Avenue and Bandera Springs Circle.
• Driving under the influence (DUI) of alcohol or drugs. This is a criminal offense punishable by jail time, fines, and loss of driving privileges. Penalties for DUI can increase significantly when an at-fault driver has injured or killed someone in an accident. Tragically, a few years ago, a Gibsonton man was killed in a Riverview DUI accident on US-41. In that case, like so many other tragic drunk driving accidents, the drunk driver simply rear-ended the victim’s car because they were too intoxicated to pay attention to the road. A similarly heartbreaking car accident played out in Las Vegas in 2021 in which star NFL receiver Henry Ruggs caused a fatal drunk driving accident that resulted in the death of a young woman. Ruggs has since been sentenced to prison and, separately, the woman’s family has brought a civil lawsuit against him to recover compensation.
• Traffic violations. Anything that disrupts the flow of traffic can result in an accident. Illegal turns, running red lights or stop signs, and failure to yield the right-of-way are just a few examples of moving violations that can lead to serious accidents. Failing to follow traffic lights, stop signs, yield signs, and other instances of bad driving are problems that become even more pronounced in our Riverview school zones. From Riverview High School to Riverview Elementary to Symmes Elementary, the risk of injury because of a driver making illegal turns is increased. By the time the case has reached an auto accident attorney in Riverview, FL, something bad has already happened. It’s important to remain vigilant in these school zones to protect the children, parents, and school staff from personal injury.

These are only a few possible examples; accidents are unpredictable and may result from various causes. In the immediate aftermath of an accident, an injured driver should seek medical attention for their injuries and try to record as much as they can from the accident scene if they can do so safely. Recovery from an accident begins with an insurance claim. An experienced Riverview, FL accident attorney can not only make this easier to manage, but they can also help their client build a personal injury case under certain circumstances.

What to Do After a Car Accident in Riverview, FL?

After a car accident, it is easy to feel overwhelmed, but staying calm is key. First, check yourself and any passengers for injuries. If anyone is hurt, call 911 immediately for medical assistance. Next, if the vehicles are drivable, move them to a safe spot out of traffic. Turn on your hazard lights to alert other drivers.

Once you are safe, exchange information with the other driver. Get their names, phone numbers, insurance details, and license plate numbers. If there are witnesses, ask for their contact info as well. It’s a good idea to take pictures of the accident scene, the vehicles, and any visible damage or injuries.

Unless the accident was literally a barely-noticeable fender bender, call the police to have them come to the scene. If the police do not show up, make sure to get a photo of the other driver’s:

• Insurance card
• Driver’s license
• License plate
• Registration
• Vehicle damage
• Phone number (call or text their phone right there on scene to ensure it’s the correct contact number)

Following the accident, once you have a moment to collect your thoughts, call your own car insurance company to alert them of the accident so they can provide you with a claim number. This is a claim number you will use for your initial medical care. It seems counterintuitive to call your own insurance company for a claim number when the other driver is at fault, but, in Florida, your own car insurance’s “personal injury protection” (PIP) acts as your primary health insurance for immediate medical treatment. Under Fla. Stat. § 627.736, PIP may provide benefits for medical care and disability/lost income after a motor vehicle accident, subject to the statute, the 14-day treatment requirement, and your policy limits. Don’t worry. This PIP on your own insurance is just for the initial treatment. Later, you have the right to make a claim against the other driver’s insurance policy.

If you are unsure of what to do or how to navigate the claim process, it may be time to hire a personal injury lawyer. Above all, taking care of yourself after an accident is the most important step in getting back on track.

Dealing With an Insurance Company After a Car Accident

Florida drivers are generally required to carry at least $10,000 in Personal Injury Protection, or PIP, coverage and $10,000 in property damage liability coverage. PIP is the no-fault part of your auto insurance policy. It can apply to your medical treatment and certain lost-income benefits after a crash, even if another driver caused the accident.

Under Fla. Stat. § 627.736, PIP provides up to $10,000 in medical and disability benefits and $5,000 in death benefits for covered motor vehicle injuries. PIP does not automatically pay every medical bill in full. In many cases, it reimburses 80% of reasonable and medically necessary medical expenses, subject to the policy limit.

Timing matters. To qualify for PIP medical benefits, you generally must receive initial medical services and care within 14 days after the accident. If a qualified medical provider determines that you suffered an emergency medical condition, medical benefits may be available up to the $10,000 PIP limit. If no emergency medical condition is found, benefits may be limited to $2,500.

PIP may also cover 60% of lost gross income and loss of earning capacity caused by accident-related injuries. This can be especially important for self-employed Riverview drivers, contractors, delivery business owners, and gig workers who may need invoices, delivery records, bank deposits, route schedules, or tax records to prove lost income.

Connect with your own auto insurance to make them aware of the accident. Your car insurance company will give you a claim number. This is your PIP claim number to use when you seek medical treatment.

To address damage to your vehicle, call the other driver’s car insurance company to make arrangements for getting your vehicle repaired and obtaining a rental car. If liability is clear, hopefully the other driver’s insurance company will act quickly to work with you on getting the needed repairs and rental car. To clarify, “if liability is clear” means if it is not debatable who was at fault in the accident. If the other driver’s insurance company is not acting swiftly enough for your needs or the insurance company is just being difficult (which can happen), then you may be better served to go through your own car insurance policy assuming you have collision insurance coverage. Your insurance company would then later seek reimbursement from the insurer for the driver who hit you in a process called subrogation.

Above all else, the critical thing to remember is that insurance company adjusters are not your friend when it comes to your injuries from the accident. Whether communicating with your own insurance company or the other driver’s insurance company, do not say anything that they can use against you to minimize your claim. For example, our client that we’ll refer to as “Robert” for purposes of this explanation, had a very sore neck from the whiplash effects of a car accident on Gibsonton Drive. Robert’s neck pain was intolerable and all he could think about in the aftermath of his car accident. He also had slight discomfort in his lower back, but this was not his concern given the awful radiating pain he was experiencing in his neck. Before contacting us, Robert spoke to the other driver’s insurance company. When they asked Robert about his injuries, he only talked about his neck. The insurance company officials were happy to manipulate the conversation in a way that Robert did not mention his lower back. Naturally, a month later and following treatment with chiropractor and physical therapy, Robert’s neck pain began to subside, but his lower back injury turned out to be a larger issue than initially thought. The insurance company argued that the only injury from the accident was Robert’s neck, and attempted to disclaim any responsibility for the lower back issues. We were ultimately able to overcome this argument by demonstrating the medical records showed Robert told his medical providers about his neck and back in his initial chiropractor and physical therapy appointments. Remember, insurance companies most certainly do not have your best interests in mind. It has been documented that insurance adjusters are pressured by their giant corporate insurance companies to pay you less.

Filing an auto insurance claim can be a stressful and frustrating experience for some injured drivers. While most auto insurance carriers process claims for coverage in good faith, some unfortunately do not. Some insurance claim adjusters will look for any reasons to justify lowball settlement offers or even claim denials.

Having an experienced auto accident attorney in Riverview, FL help you with your claim can prevent these issues from arising and streamline your recovery process. An insurance carrier is less likely to attempt any unethical handling of a claim when they notice the claimant has competent and respected legal counsel representing them.

What Do “Negligence” and “Damages” Mean in a Car Accident Case?

As a car accident claim moves forward, you’ll start hearing legal terms like “negligence” and “damages”. Auto insurance may not fully cover your damages from an accident in Riverview, especially if you suffered serious injuries that will require ongoing rehabilitative care. In the event that another driver is clearly to blame for causing your recent accident, but your insurance will not fully compensate you for your damages, you have the right to file a personal injury claim to seek recompense for the remainder of your damages.

Let’s pause for a moment and apologize for some of the fancy legal words we use in this article. One thing we take a lot of pride in at Santini Law Firm is making sure we take as much time as the client needs to understand the legal process. Part of this communication with our clients is being conscious of the words we are using to describe things about personal injury law in Riverview, FL.

If we are talking to a mechanic, we may not understand all the words to describe what goes into brake pads or steering columns. It is up to the mechanic to step outside the typical way they speak to their employees with certain acronyms or words used to describe things that one would understand if they worked in the mechanic’s shop. One who does not work in the mechanic’s shop may not fully understand what is trying to be communicated.

In any event, when we use the word “damages,” this doesn’t just refer to the “damage” to your car or truck. In the law, “damages” is a catch-all word used to mean all the things that happened to you from the accident for which you can potentially recover money.

So, for example, if you hurt your neck in an accident, you can recover damage for all the treatment you need on your neck. Chiropractic care on your neck from a car accident in Riverview and surgery on your neck from a Riverview truck accident are examples of damages – both for the medical bills themselves and also for the pain and suffering.

You may be thinking to yourself, how do you calculate pain and suffering? How do you put a number on pain and suffering? Doing the best job possible in demonstrating to the insurance company the pain and suffering a client has and is continuing to experience is a big part of a Riverview auto accident attorney’s job as an advocate. Think of damages as all of the bad things that happened to you for which you may be able to be compensated with a successful civil suit.

Success with any personal injury claim requires evidence that the defendant’s negligence or intentional and illegal misconduct directly caused the damages. “Negligence” is a legal term to refer to any failure to exercise reasonable care in a given situation.

To put it even more simply, negligence or misconduct refers to doing something “bad” that the other driver wasn’t supposed to do, either on purpose or because the other driver simply wasn’t paying enough attention. Your Riverview accident lawyer can help gather the evidence needed to firmly establish the other driver’s negligence and, ultimately, liability for your damages.

If the other driver caused the accident through some illegal misconduct – in other words, they did something dangerous on purpose – they face prosecution from the state alongside your civil action; your accident attorney in Riverview can advise you as to how this could influence your recovery.

You may require a combination of different types of evidence to establish that the other driver was at fault for your accident. Vehicles have internal computers that log driving speed, brake application, and other vehicle functions. These car computers can also record the moment of impact in an accident, helping investigators establish a timeline of events.

Traffic cameras can be invaluable for some vehicle accident claims, showing exactly how an accident happened. Witness testimony is also likely to come into play in your case if anyone saw the accident occur firsthand, and your attorney may coordinate expert witness testimony if liability for your crash is contested or if the case involves any complex technical issues.

What Types of Damages Can I Collect in a Riverview Auto Accident Case?

The aim of a personal injury case is for the victim of another party’s actions to secure the compensation they need to recover as fully as possible. Put another way, your Riverview personal injury attorney’s number one job is to help you recover as much money as possible from the driver who caused personal injury to you or your loved ones. After claiming as much compensation as you can through auto insurance, your remaining losses caused by the defendant can be included in your personal injury case.

Under Florida’s personal injury laws, the plaintiff in this type of civil personal injury case has the right to claim:

• Compensation for any medical expenses their insurance won’t cover. There are limits to how your car insurance’s PIP coverage works to compensate a policyholder’s medical expenses following an accident, and if you suffered severe injuries, you may face a wide range of ongoing medical treatment costs necessary for your recovery. In these more serious cases, your auto insurance’s PIP coverage will probably not be enough to cover your medical bills. Therefore, you have the right to seek full repayment of all medical expenses you incur because of your accident.
• Repayment of lost wages. Many car accident victims are left unable to work and earn income due to their injuries. If this applies to your case, your insurance may do little to compensate you for this missing income. Florida’s personal injury laws enable you to seek compensation for any wages you are unable to earn because of the other driver’s actions. This includes lost future earning capacity if the accident resulted in any severe injuries that diminish your future earning power. In other words, if you cannot work or cannot work at the job you previously did because of the injuries from the car accident, you may be able to calculate how much future income you lost and seek to recover that amount in a Riverview personal injury lawsuit.
• Property damage. Auto insurance may cover some of your repair costs, but any remainder can be included as economic damages in your personal injury suit. The next paragraph explains the meaning behind using the word “economic” to describe some damages while other damages may be “non-economic.”
• Pain and suffering. Aside from your claimable economic damages for things that you can put a number to, e.g., you know how much it costs to fix your car, you also have the right to seek compensation for physical pain and emotional suffering caused by the incident. This may sound difficult to put into monetary terms, but your attorney can help determine a reasonable amount. There is no cap or limit on pain and suffering compensation in Florida for most personal injury cases, so this could form a large portion of your total case award if you suffered any kind of permanent injury from your accident. Keep in mind, a “permanent” injury does not have to be an injury that is physically visible. Brain and spine injuries from truck and car accidents often are hidden but very serious and permanent.

Your auto accident attorney is the ideal asset to have on your side if you want to maximize your total case award as much as state law allows. In the event the defendant (the “defendant” is the at-fault driver) has caused your accident through some reckless or even purposeful action, you could receive punitive damages.

If the other driver was breaking the law and is being prosecuted by the Hillsborough County State’s Attorney’s office, then you also may be eligible to receive restitution as a result of the state’s criminal case against them. Ultimately, your car crash attorney can help determine the total potential value of your case and guide you through the personal injury proceedings necessary to hold the defendant fully accountable for your personal injury damages.

Resolving a Personal Injury Case for a Car Accident in Riverview, FL

After you have exhausted your recovery options through insurance and constructed a personal injury claim with the help of your Riverview accident attorney, your case could proceed in two possible directions. If the defendant accepts responsibility for their actions, seeking a swift settlement benefits them as much as you. Both parties can reach a faster conclusion to a personal injury case and have more influence over the final outcome if they are willing to compromise in settlement negotiations.

Alternatively, if the defendant denies liability or refuses to settle the case, the case will need to be resolved in court. Unfortunately, in most cases, it’s not the actual driver that’s refusing to settle the case; it’s his or her car insurance company.

With recent changes to Florida car accident law, car insurance companies are less likely to settle cases quickly. Examples of car insurance companies with policies on Riverview residents are Progressive, State Farm, Allstate, and Geico, but there are many others. Emboldened by recent Florida law changes that favor the insurance company, many insurance adjustors feel empowered to push things to the limit and force innocent injury victims to go to court.

One thing you can do to give yourself an advantage is to hire a Riverview auto accident lawyer that the insurance companies respect and know is not afraid to litigate a Riverview personal injury case in court.

Litigation for any civil case can be time-consuming, stressful, and expensive for all parties involved. The judge overseeing the case will listen to each side’s evidence and testimony before delivering a ruling.

The judge, and, if it comes to it, a jury, has the final say regarding liability and the scope of compensation due to the plaintiffs. It is possible for neither party to feel satisfied with the judge’s decision. Because Riverview sits in Hillsborough County, car accident cases are heard in the downtown Tampa courthouse or the courthouse in Plant City.

Don’t be discouraged by the prospect of going to court. Despite the 2023 changes to Florida law on personal injury cases, most personal injury claims filed each year are still resolved through private settlement negotiations.

This process allows both parties to save money on legal fees and have more control over the outcome of the case. Your Riverview accident attorney can help resolve your case quickly through settlement, and if litigation is necessary, you will be able to rely on them for guidance and support through these proceedings.

FAQs About Riverview, FL Auto Accidents

How Much Does A Car Accident Lawyer Cost in Florida?

In Florida, car accident attorneys often work on a contingency fee basis, meaning they only get paid if you receive compensation. The fee is generally based on the outcome of your case and the amount recovered. This arrangement allows you to pursue a claim without upfront costs, but fees will apply once a settlement is reached.

What is the Average Settlement for a Car Accident in Florida?

The average settlement for a car accident in Florida varies widely. The settlement can vary depending on factors like the severity of injuries, property damage, and insurance coverage. Cases involving serious injuries or long-term recovery can lead to higher settlements. Consulting a lawyer can help determine a more accurate estimate based on specific circumstances.

What Should a Fair Settlement Cover?

Following a car accident, you may be facing significant financial losses. A settlement should compensate you for your financial losses. Compensation factors could include payments for lost wages, medical bills, upcoming medical procedures, and even potential pain and suffering. Your attorney can be a reliable and trusted source when it comes to calculating the full value of your claim.

Do I Need a Lawyer After a Car Accident in Florida?

You are not required to have an attorney when seeking compensation in Florida. Having legal representation is often a smart choice, though. A lawyer can help you navigate insurance claims, negotiate settlements, and ensure you get the compensation you deserve, especially if there are serious injuries or disputes about fault. They can also handle legal complexities so you can focus on recovery. Lawyers have your back, so to speak, throughout the claims process.

How Much Can Someone Sue for a Car Accident in Florida?

For a serious permanent injury, lawsuits can result in settlements or awards ranging from thousands to millions of dollars, depending on the case. In Florida, there is no single dollar limit that applies to every car accident lawsuit. A person can usually sue for the full amount of damages they can prove, but the real value of the case depends on the facts, the injuries, the available insurance, and whether the at-fault driver or another responsible party has the ability to pay.

A “damage cap” means a law puts a maximum dollar limit on certain types of compensation. For example, if a state capped a type of damage at $250,000, that would mean the injured person could not recover more than that amount for that category of damages, even if a jury believed the harm was worth more. Florida does not have one general damage cap or upper limit that applies to every ordinary car accident injury claim.

That does not mean every Florida car accident case is worth a large amount of money. A minor crash with a few medical visits may be worth much less than a crash involving a herniated disc, surgery, permanent injury, scarring, disability, long-term pain, or major lost income. The value of a claim may include medical bills, future medical care, lost wages, loss of earning capacity, property damage, pain and suffering, and the impact the injuries have on your daily life.

Importantly, keep in mind that Florida is a no-fault state, but “no-fault” does not mean you can never sue the driver who caused the crash. It usually means your own insurance may pay certain benefits first. If your injuries are serious, permanent, or exceed what no-fault benefits cover, you may still be able to bring a claim against the at-fault driver, a vehicle owner, an employer, or another responsible party.

The practical question is not just “How much can I sue for?” The better question is: “What damages can be proven, what insurance is available, and how badly did the crash affect my health, work, and life?”

Should I see a doctor after a Riverview car accident if I did not go to the emergency room?

Yes. You should get evaluated quickly after a Riverview car accident, even if you did not leave the scene by ambulance or go directly to the emergency room. Many people feel “just sore” at first, especially after rear-end crashes, which we commonly see near Big Bend Road, Waterset Boulevard, US-301, Bloomingdale Avenue, or I-75. But low back pain, neck pain, headaches, numbness, tingling, and radiating pain can worsen over the next 24 to 72 hours.  When speaking to our clients, we often analogize this increase in pain to a tough workout, where, like an auto accident, the soreness can become worse over the course of several days following the exercise session.

Early medical treatment can help protect your health and document when your symptoms started. It can also matter for Florida PIP benefits because Florida law generally requires crash victims to receive initial medical care within 14 days after the accident. Urgent care, a primary care doctor, hospital, or chiropractor can help document your injuries on an initial visit and recommend follow-up treatment.

How long do I have to see a doctor after a car accident in Florida?

Under Fla. Stat. § 627.736, you generally must receive initial medical services and care within 14 days after a Florida motor vehicle accident to qualify for PIP medical benefits. This does not mean every injury must be fully diagnosed in 14 days, but it does mean you should not delay getting checked out. After a Riverview crash, an urgent care, a hospital, a primary care physician, or a chiropractor can help you timely satisfy your initial-medical-services requirement.

What if the driver who hit me has no insurance in Florida?

If the driver who hit you has no insurance, that does not automatically mean you have no case. It does mean we need to look for other sources of recovery.

First, your own car insurance may provide some benefits after the crash. In Florida, your own no-fault coverage may help with medical bills or lost income, even when the other driver caused the accident.

Second, check whether you have uninsured motorist coverage, often called UM coverage. This is coverage you buy from your own insurance company to protect you when the at-fault driver has no bodily injury insurance or not enough insurance. If you have UM coverage, your own insurance company may have to step into the shoes of the uninsured driver and pay damages the uninsured driver should have paid.

Third, an attorney can investigate whether anyone else may be responsible. For example, was the at-fault driver working at the time? Was the vehicle owned by someone else? Was it a company truck? Was there a negligent business, employer, vehicle owner, rideshare company, bar, or another party involved? In serious injury cases, this investigation can make a major difference.

Florida law addresses uninsured and underinsured motorist coverage in Fla. Stat. § 627.727, but the practical answer is simple: if the other driver has no insurance, do not assume you are stuck. Get your own policy reviewed and find out whether there is UM coverage or another responsible party.

Can I sue the driver who hit me after a Florida car accident?

Yes, you can sue the driver who hit you if you were injured and were not at fault for the accident. Florida being a “no-fault” state does not mean the at-fault driver gets a free pass. It does not mean you are limited to only your own insurance forever. And it does not mean you can never bring a claim against the driver who caused the crash.

What “no-fault” usually means is that your own insurance may pay certain benefits first, regardless of who caused the accident. But if your injuries are serious enough, permanent, or your damages are greater than what no-fault benefits cover, you may still have a claim against the at-fault driver or another responsible party.

For example, you may have a claim if the crash caused a permanent injury, significant scarring, loss of an important bodily function, long-term pain, surgery, disability, or death. Florida law addresses this in Fla. Stat. § 627.737, which explains when an injured person may pursue damages such as pain, suffering, mental anguish, and inconvenience after a motor vehicle accident.

The practical answer is this: if you were hurt, do not assume you cannot sue just because Florida has PIP or no-fault insurance. The real question is how badly you were injured, what medical proof exists, what insurance is available, and whether the crash meets Florida’s legal threshold for bringing a claim beyond no-fault benefits.

How long do I have to file a car accident lawsuit in Florida?

You have two years from the date of the accident to file a car accident lawsuit in Florida. Florida Statute § 95.11 provides that an action founded on negligence must be commenced within two years. Note that very little in the law is absolute so deadlines can vary by claim type, defendant, government involvement, tolling, wrongful death timing, and other factors. Because deadlines can depend on the facts, the type of claim, the defendant, and when the crash occurred, it is best to speak with a lawyer as early as possible.

Can I still recover compensation if I had prior back or neck injuries?

Yes, you can still recover compensation for a Florida car accident if you had prior back or neck injuries. Prior injuries do not automatically prevent a Florida car accident claim. Insurance companies often argue that neck or back pain came from an old condition, but the key question is whether the crash caused a new injury or aggravated a pre-existing one. Medical records, MRI comparisons, treatment history, crash photos, property damage, and testimony about how symptoms changed after the collision can all matter. Santini Personal Injury & Car Accident Law has handled rear-end collision cases involving aggravated prior injuries, including a $500,000 settlement described on the firm’s case-results page.

Can self-employed drivers recover lost income after a Florida car accident?

Yes. Self-employed drivers, delivery business owners, contractors, rideshare drivers, and gig workers may be able to recover income they lost because of a Florida car accident. PIP may cover a portion of lost income, and a separate claim against the at-fault driver may also include lost earnings or loss of earning capacity if the injuries are serious enough.

For self-employed Riverview accident victims, documentation is especially important. Helpful proof may include delivery records, invoices, bank deposits, route schedules, tax returns, business records, text messages with customers, app records, and records showing missed jobs or canceled deliveries. This can be important for people who do not receive a traditional paycheck but still lose real income after a crash.

Common Riverview Car Accident Locations

Riverview’s rapid growth has put more pressure on roads that were not designed for today’s traffic volume. We regularly hear from drivers injured in crashes on or near the following intersections.

These local crashes often involve rear-end collisions, distracted driving, speeding, commercial vehicles, unsafe lane changes, and drivers who fail to stop in time at congested intersections.

Contact Riverview Car Accident Lawyer

When you choose Santini Personal Injury & Car Accident Law to represent you, you are investing in extensive professional experience, skillful legal representation, and a compassionate source of guidance and support as you navigate the difficult proceedings ahead of you. Our team takes a client-focused approach to car accident cases, learning as much as possible about every client we represent to address their unique challenges.

Our goal is to help you recover from your recent accident as fully as possible, whether that requires an auto insurance claim, a personal injury suit, or both. You are not just a number for our Riverview car accident lawyer and all our clients get Mr. Santini’s cell phone number to be able to text or call him anytime. Contact us today and schedule your free consultation with a Riverview car accident attorney to start working toward your recovery with confidence.

Reviews About Our Riverview Car Accident Law Firm

Riverview, FL Auto Accident Resources

• Average Car Accident Settlement in Florida
• Florida Car Accident Statistics
• What to Do If You’re a New Jersey Driver Injured in a Florida Car Accident?