Liability for Accidents in Florida

Accidents are an unfortunate part of life on the road, and how they are handled legally varies significantly from one state to another. In Florida, the concept of accident liability is intertwined with the state’s distinctive no-fault insurance laws, presenting a unique landscape for both drivers and victims of traffic accidents. 

By understanding the no-fault insurance system, the process of determining fault, the exceptions to no-fault rules, and the essential legal steps to follow after a car accident, drivers can better prepare themselves for the possible legal implications. 

Liability for Accidents in Florida

Circumventing the No-Fault System: Serious Injury Criteria

The no-fault system has its limits, particularly when severe injuries are involved. Florida law allows for exceptions to the no-fault rules, permitting injured parties to seek compensation outside of PIP under specific circumstances.

Qualifying for an Exception

To step outside the no-fault system and file a claim against the at-fault driver, the injuries sustained in the accident must meet a serious injury threshold. This threshold includes:

  • Significant and permanent loss of an important bodily function.
  • Permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement.
  • Significant and permanent scarring or disfigurement.
  • Death.

These criteria aim to ensure that the most severe and life-altering injuries receive appropriate consideration beyond the no-fault system, allowing victims to pursue full compensation for their losses, including non-economic damages.

Pursuing a Claim for Serious Injuries

When injuries qualify as serious under Florida law, the injured party may pursue a claim against the at-fault driver’s insurance for damages not covered by PIP. This can include additional medical expenses, lost wages, and non-economic damages such as pain and suffering. Navigating this process requires a thorough understanding of Florida’s insurance and liability laws, making the guidance of a skilled attorney invaluable.

Gonzalez & Cartwright, P.A., with their deep expertise in Florida’s accident liability laws, stands ready to assist those affected by serious car accidents. Our team is committed to ensuring that our clients understand their rights and options under the no-fault system and beyond, advocating for the full compensation they deserve.

Legal Steps Following an Accident in Florida

After a car accident in Florida, knowing the correct legal steps to take can significantly impact the outcome of any potential claims, especially in a no-fault insurance context. These steps not only ensure your safety and health but also protect your legal rights and facilitate the accurate determination of any applicable liabilities.

Immediate Actions Post-Accident

  1. Safety First: Ensure the safety of all parties involved and move vehicles out of traffic if possible.
  2. Report the Accident: Florida law requires that accidents resulting in significant damage, injury, or death be reported immediately to the police.
  3. Gather Evidence: Take photos of the accident scene, vehicle damages, and any visible injuries. Collect contact and insurance information from all parties involved.
  4. Seek Medical Attention: Even if injuries seem minor, a medical evaluation is crucial. Injuries may not be immediately apparent, and this step also provides a medical record that can be vital for insurance claims.

How Gonzalez & Cartwright, P.A. Can Assist

In the wake of a car accident, you need a legal team that not only understands the intricacies of Florida’s no-fault insurance system but also cares about your recovery and rights. Gonzalez & Cartwright, P.A., with their extensive experience and compassionate approach, can provide the support and representation necessary to navigate the aftermath of an accident.  Contact Gonzalez & Cartwright today at 561-556-3514 or schedule your free consultation online.

What People are Saying


West Palm Beach, Florida
They made the whole process really easy. They updated me with what was going on with my car insurance, they helped me out with where to go to get a car rental. They knew my case, they knew who I was, and they could really just guide me toward the right direction.


Broward County, Florida
When I came over here, they treated me like family. I really appreciate it. I referred them to a couple of friends. I explained to my friends and family how the office treated me so good.

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