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A car crash can change your life in seconds. A broken bone, a brain injury, lost wages, and mounting bills can cause untold amounts of physical and emotional stress. If you were hurt on a Florida road, Suli Law Group will fight for you. If you’re unsure what to do after a car accident in Florida, our Tampa car accident lawyer can guide you step by step and protect your rights from day one.
Florida is a no-fault state. Every driver must carry $10,000 in Personal Injury Protection (PIP), which pays 80% of medical bills and 60% of lost wages regardless of who caused the crash. This personal injury protection Florida coverage, often called Florida PIP insurance, has traps. You must seek treatment from a qualifying provider within 14 days to avoid losing your benefits. Without an “emergency medical condition” diagnosis, your PIP cap drops to just $2,500.
To recover pain and suffering or pursue the at-fault driver, you must meet the Florida serious injury threshold: permanent injury, significant scarring, or death. That’s where most cases get fought, and where insurers push back hardest.
Founding attorney Laura Sulisufay is a former insurance defense attorney. She built her career defending insurance companies. Now, she uses that insider knowledge against them. Our team knows exactly how adjusters value claims, where they cut corners, and what evidence forces a fair offer. As a Florida car accident lawyer team, we anticipate insurer tactics and move quickly to secure the proof your claim needs. Florida’s two-year statute of limitations under Fla. Stat. § 95.11 (reduced from four years by HB 837) means delay is your enemy. New modified comparative negligence rules also bar recovery if you’re found more than 50% at fault, making early evidence preservation critical.
Florida requires every driver to carry $10,000 in Personal Injury Protection under Fla. Stat. § 627.736, which pays 80% of medical bills and 60% of lost wages regardless of fault. You must seek treatment from a qualifying provider within 14 days, or you will lose your benefits entirely.
Only when you meet Florida’s serious injury threshold under Fla. Stat. § 627.737: permanent injury, significant scarring, or death. That threshold is where most cases get fought, and where insurers push back hardest.
Without that diagnosis, your PIP coverage drops from $10,000 to just $2,500. Getting properly evaluated quickly protects the full benefit.
Two years from the date of the crash under Fla. Stat. § 95.11, reduced from four years by HB 837. Florida’s modified comparative negligence rule also bars recovery if you’re found more than 50% at fault, so preserving evidence early is critical.
Medical bills, future care and rehabilitation, lost wages and diminished earning capacity, pain and suffering, and vehicle damage. Punitive damages may also apply where drunk or reckless driving was involved.
Suli Law Group exists to protect injured people and policyholders at their most vulnerable moments — combining insider knowledge of the insurance industry, relentless preparation, and direct attorney access with the compassion, integrity, and genuine care every client deserves. We pursue justice and accountability with strategy, precision, and heart.
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