Car accidents · FL · TX · SC
Car Accident Lawyer
The crash takes seconds. The insurance company's games take months — unless you have someone who knows their playbook. We do, because we used to write it.
What to do after a car accident in Florida or Texas
The hours after a collision shape the value of your claim more than almost anything else. If you're physically able: photograph the vehicles, the road, and your injuries; exchange insurance information; collect witness names; and call the police so an official report exists. Then see a doctor — even if you feel "fine." Adrenaline masks injuries, and insurers treat every day without treatment as evidence you weren't really hurt.
Florida drivers face an extra deadline most people have never heard of: under the state's no-fault system, you generally must seek medical care within 14 days of the crash to use your Personal Injury Protection (PIP) benefits — typically up to $10,000 in immediate medical coverage. Miss that window and you may forfeit benefits you already paid for.
Why the insurance company's first offer is almost never the right one
Insurance adjusters are trained negotiators working toward one metric: closing your claim for as little as possible. Common tactics include requesting a recorded statement and mining it for inconsistencies, blaming pre-existing conditions, arguing your treatment was "excessive," and dangling a fast, small check before you know the full extent of your injuries.
Our founding attorney began his career on the insurance defense side. That experience is now your leverage: we know what the carrier's file looks like from the inside, what their evaluation software rewards, and what evidence forces them to raise the number. That's why we wait until your treatment is complete — when the full picture of your damages is documented — before we talk settlement.
What compensation can you recover?
Depending on the facts, a car accident claim may recover the cost of past and future medical care, lost wages and reduced earning capacity, vehicle and property damage, and compensation for pain, suffering, and the ways the crash changed your daily life. In both Florida and Texas, fault matters: under modified comparative negligence rules, your recovery is reduced by your percentage of fault — and if you're found more than half at fault, you may recover nothing. Insurers exploit this aggressively, which is exactly why having a lawyer shape the fault narrative early is so valuable.
Time limits apply. Florida and Texas generally allow two years from the date of a negligence-based crash to file suit; South Carolina generally allows three. Evidence — camera footage, vehicle data, witness memory — degrades far faster than that. The sooner we start, the stronger your case.
Car Accident Lawyer — common questions
Florida's no-fault insurance system generally requires you to receive medical care within 14 days of your accident to access your Personal Injury Protection (PIP) benefits — up to $10,000 of coverage you already pay for. Getting checked out immediately protects both your health and your benefits.
You may still have a strong claim through your own uninsured/underinsured motorist (UM/UIM) coverage. Many clients don't even know they carry it. We review every available policy — yours and theirs — to find every dollar of coverage.
Yes. "Minor" crashes regularly cause real injuries that surface days later, and we've recovered maximum policy limits on claims insurers initially dismissed as fender benders. The consultation is free — let an attorney, not an adjuster, tell you what your case is worth.
Not before speaking with a lawyer. Adjusters use recorded statements to lock you into answers that hurt your claim later. You're generally not required to give the at-fault carrier a recorded statement at all — let us handle the communication.
Talk to an attorney today — free.
No fee unless we win. Available 24/7 across Florida, Texas & South Carolina.
Call (561) 944-PAIN