Construction Site Injuries in Florida : Workers’ Rights and Compensation If you’ve been in a car accident in Florida, the insurance process might already feel confusing or unfair—especially if you weren’t at fault. Florida’s no-fault system was meant to streamline claims, but for many injured drivers, it ends up creating more frustration than relief.
You don’t have to figure this out alone. A Davie, FL personal injury attorney at Mannello Law Group can help you make sense of the system and fight for the compensation you truly deserve.
What Florida’s No-Fault System Actually Means
Florida follows a no-fault system, meaning your own insurance company is supposed to cover your medical expenses and lost wages, no matter who caused the crash. This is done through Personal Injury Protection (PIP), required under Florida Statutes § 627.736.
PIP typically pays:
- 80% of medical bills
- 60% of lost wages
- Up to a capped limit, with no coverage for pain or suffering
That may sound helpful—but many people quickly find out PIP doesn’t come close to covering their total losses. And it doesn’t hold the at-fault driver accountable.
Can You Still Sue the Other Driver? Yes, Sometimes
Despite the no-fault rule, Florida law allows injured drivers to step outside the system in certain situations. If your injuries are serious enough, you can file a personal injury claim against the other driver.
Florida’s serious injury threshold includes:
- Permanent injury – Ongoing damage that won’t fully heal
- Significant scarring or disfigurement – Noticeable, lasting changes to appearance
- Loss of an important bodily function – Loss of use or control of a body part
- Death – Fatal injuries leading to a wrongful death claim
Don’t assume you’re stuck with what your own insurance gives you. A qualified Davie, FL personal injury lawyer can review your medical records and determine whether you qualify to file a lawsuit for full compensation.
Common Injuries That May Qualify as “Serious”
Some injuries clearly meet Florida’s legal standard. These include:
- Brain injuries or lingering concussion symptoms
- Spinal damage or herniated discs
- Broken bones needing surgery
- Loss of mobility or limb function
- Disfiguring facial injuries
These aren’t just painful—they can affect how you live, work, and care for your family. If your injury falls into this category, your Davie, FL personal injury lawyer can help move your case outside the PIP system and demand more than your insurer will offer.
Why Insurance Companies Might Not Tell You the Whole Story
Most people assume their insurer will walk them through the process. But the truth is, insurance companies are focused on saving money—not helping victims.
You might be offered a quick settlement that seems generous at first. But in reality, it often won’t cover long-term care, therapy, or lost earning potential. Worse, accepting an early payout may block you from recovering more later.
Before signing anything, talk to a Davie, FL personal injury attorney. They’ll help you understand what your case is really worth—and protect you from signing away your rights.
What a Car Accident Lawyer Actually Does for You
If your injuries are serious and you’re dealing with high medical bills or lost income, a lawyer can step in and make a real difference. They’ll work to prove that your injuries meet Florida’s legal threshold, handle all communication with the insurance companies, and calculate the full value of what you’ve lost—physically, emotionally, and financially. If a fair settlement isn’t offered, they can file a lawsuit on your behalf.
It’s not just about knowing the law—it’s about having someone in your corner who knows how to push back when you’re being treated unfairly.
Act Fast: Florida Changed Its Time Limits
As of March 2023, Florida’s statute of limitations for filing personal injury claims was reduced from four years to two years. That’s a much shorter window to take legal action.
If you wait too long, your case could be dismissed, even if you have a strong claim. A Davie car accident attorney can step in early, protect your rights, and make sure you don’t miss key deadlines.
Talk to A Davie, FL Personal Injury Lawyer Today
Florida’s no-fault laws can make it feel like the system isn’t on your side. And honestly, it often isn’t. But that doesn’t mean you’re powerless.
You don’t have to accept the first offer. You don’t have to deal with the insurance company alone. And you don’t have to guess whether your injury qualifies as “serious.”
If you’ve been hurt, call (954) 606-6606 or contact us online to speak with a Davie, FL personal injury attorney at Mannello Law Group. With nearly a century of combined experience and a reputation for finding smart, effective ways to settle cases without going to trial, Mannello Law Group knows how to fight the system—and win. You deserve more than a quick payout. You deserve a real recovery.
