Protecting Your Rights After a Car Accident

Florida Car Accident Lawyers – Aggressive Legal Representation for Injured Drivers and Passengers

Being involved in an auto accident can turn your life upside down in an instant. From dealing with injuries and medical bills to navigating insurance claims and lost wages, the aftermath is overwhelming. At Williams Law, P.A., our experienced Tampa auto accident attorneys are here to fight for the compensation you deserve. With a deep understanding of Florida’s unique laws and a commitment to our clients, we’re ready to guide you through every step of the process.

Why Auto Accidents Are So Common in Tampa

With high traffic density, tourists, and busy intersections like Dale Mabry Highway, I-275, and the Crosstown Expressway, Tampa is a hotspot for serious crashes. Many collisions are caused by:

  • Driver inattention or distraction
  • Speeding and reckless driving
  • Failure to yield at intersections
  • Driving under the influence
  • Improper lane changes
  • Fatigued or drowsy drivers
  • Poor weather and slippery roads

We thoroughly investigate each case, collecting evidence such as dash cam footage, police reports, medical records, and crash scene photos to establish liability and prove damages.

Florida’s No-Fault Insurance and the Limits of PIP Coverage

Florida is a no-fault state, which means that after a crash, you must first file a claim with your own Personal Injury Protection (PIP) insurance, regardless of who caused the accident. PIP typically covers:

  • 80% of medical expenses
  • 60% of lost wages
  • Up to $10,000 in total benefits

If your injuries meet the serious injury threshold, you can leave the no-fault system and file a claim against the at-fault driver’s insurance. Our attorneys will evaluate your case to determine the best path to full recovery.

Understanding Florida’s Car Accident Laws

Personal Injury Protection (PIP) Coverage

Florida is a no-fault state, meaning that drivers must first file injury claims under their PIP insurance, regardless of who caused the accident. PIP covers:

  • Up to 80% of medical expenses

  • Up to 60% of lost wages

  • Death benefits (up to $5,000)

However, PIP limits are low (typically $10,000) and do not fully cover serious injuries. Once your injuries are deemed “serious” under Florida law, you may file a claim against the at-fault driver for full compensation.

Modified Comparative Negligence

Florida follows a modified comparative fault rule. If you are found more than 50% at fault, you cannot recover damages. If your fault is less than 50%, your recovery is reduced by your percentage of fault.

Our attorneys work to prove the other party’s liability and minimize any allegations against you, protecting the full value of your claim.

What If the Other Driver Doesn’t Have Insurance?

Florida has a high rate of uninsured drivers. If the at-fault driver lacks insurance, you may still recover compensation through your own uninsured/underinsured motorist (UM/UIM) coverage if you have it. We can help you explore all available options.

Williams Law, P.A. will handle the entire legal process for car accidents. We aim to ensure you receive the most compensation to make you whole again after a car accident.

Handling Complex Insurance Issues

Car accidents often involve multiple insurance policies, from your own PIP coverage to liability claims against the at-fault driver’s insurance. We are experienced in handling the complexities of Florida’s car accident insurance laws, including:

  • PIP (Personal Injury Protection) claims: Ensuring you receive the full benefits under your PIP policy, including medical expenses and lost wages.
  • Bodily Injury Liability (BIL) claims: Pursuing a claim against the at-fault driver’s insurance for serious injuries that exceed your PIP limits.
  • Uninsured/Underinsured Motorist (UM/UIM) coverage: If the at-fault driver is uninsured or underinsured, we’ll help you file a claim with your own UM/UIM policy.

We’ll handle all aspects of your insurance claims, ensuring you receive every penny you are entitled to under Florida law.

Common Types of Car Accidents

  • Rear-end collisions: Perhaps the most common car accident and, fortunately, the least likely to cause serious injuries. Other drivers often become distracted on the road by using a cell phone, fiddling with the radio, or otherwise being preoccupied with something different than the safe operation of their vehicle. Other times, a negligent driver may follow too closely, causing a collision when you stop at a stoplight or slow down for traffic.
  • Sideswipe Collisions: As with rear-end collisions, a driver may be distracted when they enter your traffic lane, and the cars brush against one another, causing damage and loss of control of your vehicle. This can result in spinouts or forcing you into a ditch or lane divider. These types of car accidents are more often on the highways or interstates of Florida and often at very high speeds so that injuries can be severe.
  • “T-Bone” Collisions: These often occur at stoplights, where a driver may enter the intersection to “beat” a red light, causing a front-to-side collision where the vehicles are perpendicular to one another (hence the “T” shape of the two cars). These collisions can be severe, as most vehicles are less reinforced on the sides, with mere inches of plastic between you and another vehicle striking your door.
  • Head-on Collisions: This is the most terrifying and frequently damaging car accident, despite the many technological advances we’ve enjoyed, such as airbags, collapsing front fenders, and seatbelts. The speeds of each vehicle involved in a head-on collision are effectively doubled, causing massive damage to cars, SUVs, and their drivers and passengers.

Typical Injuries That Occur After Car Accidents

Many common injuries can occur after a car accident, including:

  • Neck injuries, such as whiplash
  • Bone fractures, including wrist, arm, and leg fractures.
  • Traumatic brain injuries, such as concussion
  • Spinal cord injuries
  • Psychological trauma and anxiety

Why Insurance Companies Fight Valid Car Accident Claims

Insurers often dispute legitimate claims by:

  • Arguing that injuries are pre-existing or exaggerated
  • Claiming that treatment was unnecessary or excessive
  • Using surveillance or recorded statements against you
  • Offering quick, low settlements before you know the full extent of your injuries
  • Blaming you for partial or full responsibility

Our firm combats these tactics by building detailed, evidence-backed cases and negotiating from a position of strength.

What Compensation Can I Recover After a Car Accident in Tampa, Florida?

Williams Law, P.A. will investigate the facts surrounding your car accident and determine the extent of the damage. As experts in understanding Florida’s statutory caps, our accident lawyers can assess your losses and estimate what settlement amount should be paid for your injuries. We will work tirelessly to ensure you receive fair compensation under Florida law.

Economic Damages

These are known as unique or tangible losses and refer to the measurable financial losses that a person incurs due to a car accident. These damages are generally objective and have a clear monetary value.

  • Medical expenses: This includes reimbursement for past and future medical bills, hospital stays, surgeries, medication, rehabilitation, and therapy.
  • Lost wages: If the accident caused you to miss work or resulted in decreased earning capacity, you may be entitled to compensation for lost wages.
  • Property damage: Reimbursement for repairing or replacing your vehicle or other damaged property.

Non-Economic Damages

These are known as general or intangible losses, encompassing the more subjective and non-monetary losses a person may experience due to the accident. These damages are often challenging to quantify precisely.

  • Pain and suffering: Compensation for physical pain, emotional distress, and mental anguish experienced because of the accident.
  • Emotional Distress: Damages for psychological harm, such as anxiety, depression, or sleep disturbances resulting from the accident.

In many car accident settlements, economic and non-economic damages are considered to provide a comprehensive compensation package for the injured party. The goal is to fairly compensate the individual for the tangible financial losses incurred and the intangible human costs associated with the accident.

Why Choose Williams Law, P.A. for Your Auto Accident Claim?

Williams Law, P.A. isn’t just another law firm—we are insurance claim specialists who thrive in the intersection of insurance law and personal injury. Whether you’re facing a denied claim, a disputed fault, or a complex injury case, our team has the skills and determination to deliver results.

1. Specialized Expertise in Insurance Claims

Williams Law, P.A. has built a strong reputation for handling complex insurance disputes, including auto accident claims. Their lawyers deeply understand Florida’s no-fault insurance system and Personal Injury Protection (PIP) laws, which are critical in navigating car accident cases. They know how to identify when injuries meet the “serious injury” threshold to pursue additional compensation beyond PIP, ensuring you don’t settle for less than you deserve.

2. Proven Track Record of Success

The firm boasts a history of recovering significant client compensation—over $300 million for policyholders across various claim types. This experience translates to auto accident cases, where their attorneys have successfully tackled denied, delayed, or underpaid claims. Their ability to secure fair settlements or take cases to trial demonstrates their commitment to maximizing client outcomes.

3. Fighting Insurance Company Tactics

Insurance companies often use strategies to minimize payouts, such as offering lowball settlements or disputing liability. Williams Law, P.A.’s lawyers are seasoned in countering these tactics. With founder K.C. Williams’ 30+ years of experience, our firm knows how insurers operate and leverages this insight to build compelling cases that hold companies accountable to their policies.

4. Client-Centered Approach

Williams Law, P.A. emphasizes personalized service, unlike some firms that treat clients as just another case number. We work closely with you, keeping you informed and involved while tailoring strategies to your specific accident and injuries. This dedication ensures your unique needs—whether medical bills, lost wages, or pain and suffering—are fully addressed.

5. Contingency Fee Basis—No Risk to You

Williams Law, P.A. operates on a contingency fee basis, meaning you pay nothing upfront. Our fees come from a percentage of your settlement or verdict, aligning their success with yours. This approach removes financial barriers, letting you focus on recovery while they handle the legal fight.

Serving Clients Throughout Tampa and Surrounding Areas

We represent car accident victims in:

  • Brandon
  • Temple Terrace
  • Riverview
  • Wesley Chapel
  • Lakeland
  • Orlando
  • Lutz
  • Carrollwood
  • St. Petersburg
  • Clearwater
  • Dade City
  • New Port Richey
  • Sarasota

Contact Us Today

If you’ve been injured in a car accident and need legal assistance in Tampa or anywhere else in Florida, contact Williams Law, P.A. today to schedule your free consultation with one of our experienced personal injury attorneys. Our team is here to provide you with the support and guidance you need during this challenging time. Call us at 1-800-451-6786 or fill out our online contact form.