Do I need a lawyer if the other driver has insurance? +
Having insurance doesn't mean a fair payout — it means the insurer has professional negotiators working to minimize what they pay you. Studies consistently show represented claimants recover significantly more than unrepresented ones, even after attorney fees. Our consultation is free, so there is no cost to finding out what your case is actually worth before making any decisions.
What if the accident was partially my fault? +
Under Florida's modified comparative negligence rule (2023), you can still recover as long as you are 50% or less at fault. Your award is reduced by your fault percentage — at 25% fault with $200,000 in damages, you recover $150,000. Being partially at fault does not end your case. It changes the math, not your right to pursue it.
How long will my case take to resolve? +
Cases with clear liability and defined injuries can settle in 6 to 12 months. Complex cases — disputed fault, severe injuries, defendants who refuse to negotiate fairly — can take 2 to 3 years or more. We pursue every case aggressively at every stage, but we will not pressure you into accepting a settlement that undervalues your claim just to close the file.
What if the other driver was uninsured or underinsured? +
Your own Uninsured/Underinsured Motorist (UM/UIM) coverage is your primary recourse. We review your policy, make the full UM claim on your behalf, and pursue every available avenue of recovery. Roughly 20% of Florida drivers are uninsured at any given time — robust UM coverage on your own policy is the most important protection you can carry.
Florida is a no-fault state — does that mean I can't sue? +
Not necessarily. Florida's no-fault system routes your initial medical bills and lost wages through your own PIP (Personal Injury Protection) coverage regardless of fault. But once your injuries meet Florida's serious injury threshold — significant or permanent loss of bodily function, permanent injury, significant scarring, or death — you can step outside no-fault and bring a full claim against the at-fault driver. Most real injuries qualify.
I was a passenger in a rideshare (Uber/Lyft). Who pays? +
If you were a passenger when the crash occurred, Uber and Lyft's commercial liability policy — up to $1 million — applies. You may have simultaneous claims against the rideshare driver, the other driver, and both insurance carriers. These cases involve overlapping coverage tiers that change depending on the driver's app status at the time of impact. Experienced navigation of these layers matters significantly.
What if a commercial truck hit me? +
Trucking cases are more complex and higher-stakes than standard car accidents. Commercial carriers must maintain federal minimum insurance ranging from $750,000 to $5 million. Multiple parties may be liable — the driver, the carrier, the cargo loader, or the manufacturer. Driver logbooks, black box data, hours-of-service records, and maintenance files are critical evidence that must be preserved immediately before they are overwritten or lost.
My injuries didn't appear until the next day. Is it too late? +
No — delayed onset of symptoms is extremely common and well-documented medically, especially for whiplash, herniated discs, and concussions. Adrenaline masks pain in the immediate aftermath of a crash. The critical step is seeking medical care promptly once symptoms appear and establishing the documented connection to the accident. Don't wait to see if it improves on its own.
Should I accept the insurance company's settlement offer? +
Almost never accept a first offer without consulting an attorney. First offers are calculated to close your claim before you know its full value — particularly before your treatment is complete and your total damages are documented. Once you sign a release, that claim is gone forever. Call us before you sign anything. The consultation is free.
How long do I have to file a car accident lawsuit in Florida? +
For accidents occurring on or after March 24, 2023, Florida's statute of limitations for negligence claims is two years from the date of your crash. The prior four-year window no longer applies. Missing this deadline permanently ends your right to sue — regardless of how strong your case is. And waiting until you're near the deadline gives evidence time to disappear long before you file.
What does "no fee unless we win" actually mean? +
It means exactly what it says. We advance all case costs — investigation, expert witnesses, filing fees — and charge our fee only as a percentage of your recovery. If we do not win for you, you owe us nothing. Zero. Our incentives are perfectly aligned with yours: we only get paid when you do, which means we are motivated to maximize your recovery at every stage.
The defense says my injuries are pre-existing. How do we fight that? +
This is one of the most common defense tactics. The critical legal principle is the "eggshell plaintiff" doctrine — a defendant takes the victim as they find them. Even if you had a prior neck or back condition, the at-fault party is still liable for any aggravation the crash caused. We work with medical experts who document that distinction specifically and clearly, removing the defense's ability to hide behind your prior history.
My accident was several months ago. Can I still file? +
Likely yes — Florida's two-year statute means you almost certainly have time if the accident was within the past year or two. But understand that the case you can build weakens every week you wait, even if it isn't legally barred. Surveillance footage is long gone. Witnesses have moved on. Medical gaps have grown. Call us today regardless of when the accident happened — we'll tell you exactly where you stand.
Does DIG Law handle car accident cases in Texas and Arizona too? +
Yes. We are licensed and actively practicing in Florida, Texas, and Arizona. Texas and Arizona also carry two-year statutes of limitations for most personal injury claims. The laws differ by state, but our approach — aggressive representation, thorough evidence gathering, no pressure to settle short — is identical across all three. Call the office closest to you and we will handle the rest.