A car crash can change your life in seconds. A broken bone, a brain injury, lost wages, and mounting bills can pile on 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, we can guide you step by step and protect your rights from day one.
Florida's No-Fault PIP System Explained
Florida is a no-fault state. Every vehicle owner 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 from the at-fault driver, your injury must meet Florida’s serious injury threshold: significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death. That’s where most cases get fought, and where insurers push back hardest.
What We Pursue for Our Clients
- Medical bills, future medical care, and rehabilitation
- Lost wages and diminished earning capacity
- Pain, suffering, and loss of enjoyment of life
- Vehicle damage and out-of-pocket losses
- Punitive damages where drunk or reckless driving is involved
Why Suli Law Group Is Different
Founding attorney Laura T. 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. 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. Florida’s modified comparative negligence rule also bars recovery if you’re found more than 50% at fault, making early evidence preservation critical.
Frequently Asked Questions
How does Florida's no-fault PIP system work?
Florida requires every vehicle owner 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 lose your PIP medical benefits.
When can I sue the at-fault driver for pain and suffering?
Only when you meet Florida’s serious injury threshold under Fla. Stat. § 627.737: significant and permanent loss of an important bodily function, permanent injury, significant and permanent scarring or disfigurement, or death. That threshold is where most cases get fought, and where insurers push back hardest.
What happens if I don't get an "emergency medical condition" diagnosis?
Without that diagnosis, your PIP coverage drops from $10,000 to just $2,500. Getting properly evaluated quickly protects the full benefit.
How long do I have to file a car accident lawsuit in Florida?
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.
What compensation can I recover after a car accident?
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.
