After a minor car accident in Florida, many people wonder if they need a lawyer. Attorney Eric Rubenstein explains when legal help is necessary, especially if your insurance won’t cover your expenses or if you’re unsure how to file a claim.
Even a low-speed fender bender can result in injuries, vehicle damage, or long-term costs. Insurance companies may minimize your injuries or delay payments. In Florida, you may still be entitled to compensation, even if the crash seems minor at first.
Attorney Eric Matthew Rubenstein outlines key factors to consider after an accident and how to protect your rights from the start.
What Counts as a Minor Car Accident in Florida?
A minor car accident typically involves low speeds, minimal vehicle damage, and no visible injuries at the scene. These accidents are common in situations such as:
- Parking lots
- Stop-and-go traffic
- Intersections
- Rear-end collisions
However, even if the damage seems minimal, injuries can appear days later. Whiplash, soft tissue damage, and back pain often worsen over time. Delaying treatment or handling insurance claims on your own could result in losing out on valuable compensation.
Do You Still Need a Lawyer for a Fender Bender?
In many cases, yes. While Florida is a no-fault state, that doesn’t mean you’re limited to your own insurance. Your personal injury protection (PIP) may cover some medical bills, but it might not be enough to fully compensate you.
You may need a minor car accident lawyer in Florida if:
- The insurance company denies or delays your claim
- Your medical expenses exceed PIP limits
- You miss work or experience ongoing pain
- Your car is totaled or requires extensive repairs
A lawyer can handle communication with the insurance adjuster, gather medical records, and assess whether a personal injury claim is viable.
Even a minor crash can result in soft tissue injuries, nerve pain, or chronic conditions that worsen over time. Insurance adjusters often downplay these injuries, but with the right documentation, you could still be entitled to compensation.
Florida Statute § 627.736
Florida law requires all drivers to carry personal injury protection (PIP) coverage. However, it also outlines key limitations. PIP benefits only cover 80% of medical expenses and 60% of lost wages, up to a limit of $10,000. If your costs exceed these amounts, a lawyer can help you recover additional compensation through a personal injury claim.
What Happens When Insurance Will Not Pay?
Many accident victims are shocked by how difficult it can be to secure fair compensation. After a minor crash, insurance companies might claim:
- Your injuries aren’t related to the accident
- The damage isn’t severe enough to warrant coverage
- You waited too long to report symptoms
- The other driver wasn’t at fault
These are common tactics insurance companies use to reduce their payout. A lawyer can challenge these claims and fight to ensure you receive the compensation you’re rightfully owed.
How Long Do You Have to File a Claim?
In Florida, you typically have two years from the date of the crash to file a personal injury lawsuit. This time limit is known as the statute of limitations. If you miss this deadline, your case may be dismissed.
Even if you’re unsure about filing a lawsuit, it’s a good idea to consult with a lawyer early. This ensures evidence is preserved and safeguards your right to take legal action if needed later on.
When to Contact a Minor Car Accident Lawyer in Florida
If you’ve been in a minor accident and the insurance company refuses to pay or if your injuries are worsening, it’s time to consult with a lawyer. You may be entitled to more compensation than you think.
Call (877) 829-ERIC or visit our contact page for a free consultation. You do not pay unless we win your case.
Related article: Car Accident in Miami: What to Do Next According to Attorney Eric Rubenstein
Disclaimer: This blog is for informational purposes only and does not constitute legal advice. Every case is different. Contact an attorney to get advice specific to your situation.
