Car accidents are an unfortunate reality on Florida’s roads, particularly in the growing and fast-paced Tampa Bay region. Whether you’re navigating congested highways, local streets, or dealing with unpredictable weather conditions, the risk of an accident is ever-present. For residents of Tampa Bay, understanding how car accident cases are handled in Florida is essential, especially when it comes to protecting your rights and securing fair compensation.
At DR Law Center, led by Attorney David Rummell, we believe in providing clients with not only strong legal representation but also the knowledge they need to make informed decisions. This blog offers an overview of what you need to know if you’re involved in a car accident in Florida.
Florida’s No-Fault Insurance System: What It Means for You
Florida is one of a few states that follow a no-fault insurance system, which can be confusing for many accident victims. Under this system, your insurance policy is the first to pay for your medical expenses and lost wages, regardless of who caused the accident. This is handled through Personal Injury Protection (PIP) coverage, which all Florida drivers are required to carry.
However, PIP benefits are limited, typically covering up to $10,000 in medical and disability benefits. If your injuries are serious, that amount may not be enough to compensate you fully. In such cases, you may step outside the no-fault system and pursue a liability claim against the at-fault driver, especially if the accident resulted in:
- Significant or permanent loss of bodily function
- Permanent injury
- Significant scarring or disfigurement
- Death
Attorney David Rummell and the DR Law Center team routinely help clients in Tampa Bay assess whether their case qualifies for a liability claim beyond PIP coverage.
Proving Liability in Florida Car Accident Cases
When filing a personal injury claim outside the no-fault system, proving liability becomes critical. Florida follows a comparative negligence rule, which means that if you are partially at fault for the accident, your compensation may be reduced by your percentage of fault.
For example, if you are found 20% at fault and the total damages are $50,000, you would be eligible to receive $40,000.
Building a strong case requires gathering solid evidence, which can include:
- Police reports
- Witness statements
- Medical records
- Photos and videos from the scene
- Expert testimony, if needed
DR Law Center applies the same level of precision and depth to personal injury matters as we do in complex business law cases. We dig deep into the legal issues, analyze every detail, and construct clear, fact-based arguments for our clients.
Understanding the Statute of Limitations
Under Florida law, there is a two-year statute of limitations for filing a personal injury lawsuit related to a car accident (as of recent changes effective March 2023). That means you have two years from the date of the accident to file a lawsuit against the at-fault party.
Missing this deadline can permanently bar you from pursuing compensation, no matter how strong your case may be. That’s why it’s crucial to consult with an experienced attorney as early as possible. At DR Law Center, we are highly responsive to client inquiries and offer flexible fee arrangements to make quality legal representation accessible.
What Damages Can You Recover?
If your injuries meet the threshold for filing a personal injury claim, you may be entitled to recover various types of economic and non-economic damages, including:
- Medical expenses (past and future)
- Lost wages and reduced earning capacity
- Property damage
- Pain and suffering
- Mental anguish
- Loss of enjoyment of life
Each case is different, and determining the full value of your claim requires a tailored approach. DR Law Center provides that personal attention—backed by the experience and training of Attorney Rummell, a cum laude law school graduate with advanced tax law credentials from Boston University.
Why Legal Representation Matters
Navigating a car accident case involves more than just filing paperwork. Insurance companies often attempt to minimize payouts or deny claims altogether. Working with a skilled personal injury attorney can make the difference between a denied claim and a successful recovery.
Attorney David Rummell brings the sophistication of a large firm and the personal service of a boutique practice. We work directly with clients—without handing them off to junior staff—and build long-term, trusted relationships. Many of our cases come from referrals, a testament to our commitment and results.
Tips for Tampa Bay Drivers After a Crash
If you’re involved in a car accident, here are a few immediate steps to take:
- Check for injuries and call emergency services if needed.
- Call the police to file a report, even for minor accidents.
- Exchange information with the other driver, including insurance details.
- Document the scene—photos, videos, and contact information for any witnesses.
- Seek medical attention, even if you don’t feel injured right away.
- Notify your insurance company about the accident.
- Consult with an attorney before speaking to other insurance adjusters.
These steps can protect your health, your legal rights, and your future claim.
Protecting Your Rights Starts with the Right Attorney
Car accident cases in Florida, especially under the no-fault system, can be legally complex. If you’ve been injured in a crash in the Tampa Bay area, don’t navigate the system alone. Let DR Law Center guide you with the professionalism, responsiveness, and deep legal knowledge that have earned the trust of clients across Florida.
Contact Attorney David Rummell today at +1 (813) 951-1164 to schedule a consultation and discuss your options. At DR Law Center, we’re here to help you move forward with clarity, confidence, and strong legal support.