Motor Vehicle Accidents

Florida operates under a no-fault insurance system, meaning your own Personal Injury Protection (PIP) coverage pays your initial medical expenses regardless of who caused the crash. However, when injuries meet Florida's "serious injury" threshold — including significant scarring, permanent injury, or loss of bodily function — you have the right to step outside the no-fault system and pursue a full claim against the at-fault driver.

Under HB 837, signed into law in March 2023, Florida reduced the statute of limitations for personal injury claims from four years to two years from the date of the accident. Acting quickly is essential to preserving your rights.

Our attorneys investigate the accident immediately — securing police reports, crash scene evidence, witness statements, and black box data before it disappears. We negotiate aggressively with insurance adjusters who will attempt to minimize your payout, and we take your case to trial if a fair settlement isn't offered.

• Rear-end collisions and highway accidents on I-4 and SR-408
• Distracted and texting-while-driving crashes
• Drunk or impaired driving accidents
• Intersection failures and red-light violations
• Commercial truck and semi-trailer collisions
• Hit-and-run accidents

An injury can affect more than your health. Common considerations include:

• Emergency and ongoing medical expenses
• Lost wages and diminished earning capacity
• Pain and suffering
• Property damage
• Permanent disability and future care costs

• Get prompt medical evaluation and follow your provider's recommendations.
• Photograph the scene, vehicles, injuries, and any hazards while still fresh.
• Save bills, receipts, records, and correspondence in one organized place.
• Decline recorded statements to insurers before speaking with counsel.
• Avoid posting about the incident or your recovery on social media.

• Accepting an early lowball settlement before treatment is complete.
• Signing broad medical-records releases without legal review.
• Giving a recorded statement to the at-fault driver's insurer.
• Skipping or delaying follow-up care.
• Discussing fault publicly or on social media.

• You were injured and treatment is ongoing.
• An insurance adjuster is calling for a statement or releases.
• Liability or fault is being disputed.
• You're being offered a settlement and aren't sure what it should be.
• The two-year Florida statute of limitations is approaching.

Every case is different. Liberate Legal helps clients:

• Secure the police report, scene photos, witness statements, and any available black box or dashcam data.
• Coordinate medical treatment and document the full scope of your injuries.
• Handle every conversation with insurance adjusters on your behalf.
• Quantify lost wages, future earnings, and long-term care needs.
• Prepare each case for trial so settlement offers reflect what your claim is actually worth.