Fort Lauderdale Car Accident Lawyer – Maus Law Firm, Florida

Item: Maus Law Firm
Rating: 5
Author: Carol Austin

If you or a loved one has been involved in a car accident in Fort Lauderdale, we understand what you’re going through. Medical bills, lost wages, and overwhelming insurance paperwork can quickly become too much to handle—especially when you just want to recover and move forward. At Maus Law Firm, our experienced Fort Lauderdale car accident lawyers have helped hundreds of local families navigate these difficult times and fight for the compensation they deserve.

Why trust Maus Law Firm after a crash in South Florida?

Decades of experience winning cases for accident victims right here in Broward County
Award-winning legal team recognized by Florida Super Lawyers and the Broward Bar Association
Local knowledge of accident hotspots like US-1, I-95, and Sunrise Blvd means we understand the challenges unique to Fort Lauderdale drivers

You may be entitled to compensation for:

Medical expenses and ongoing care
Lost wages or reduced earning capacity
Funeral and burial costs (for wrongful death claims)
Pain and suffering

Florida law gives you the right to pursue fair compensation, but insurance companies often try to offer less than you deserve. Our team investigates every detail—how and why the accident happened—and builds a strong case to hold the responsible parties accountable. We’re here to guide you through every step, so you never feel lost or alone.

No fees unless we win. Your initial consultation is 100% free, and you pay nothing until we recover compensation for you.

“Maus Law Firm helped me after my accident on Las Olas Boulevard. They handled everything with the insurance company and got my medical bills covered fast.” – Maria R., Fort Lauderdale

Take the first step toward peace of mind today:

Complete our contact form
Or call us at 1-855-999-5297 for a free, no-obligation consultation. We have same-day appointments available.

Don’t wait—some claims must be filed quickly under Florida law. Let Maus Law Firm help you get back on the road to recovery.

Is Driving in Fort Lauderdale Florida Dangerous?

Yes, driving in Fort Lauderdale is dangerous. Florida has one of the highest car accident rates in the nation. With high tourism and a reputation as a spring break destination, South Florida poses many risks for drivers. The 12 million tourists who visit annually tend to be unfamiliar with the roads. Additionally, driving under the influence of drugs and alcohol is a persistent problem. Reckless and distracted driving are also common.

In 2017, Broward County had the second-highest number of reported auto accidents in the State of Florida, with over 41,000 reported accidents. The total number of car accidents in Broward County resulted in over 24,000 injuries and 225 fatalities. In Fort Lauderdale alone, there were over 5,400 car crashes and 26 fatalities.

The Most Dangerous Roads and Intersections in Fort Lauderdale and Broward County

Sometimes it isn’t necessarily the driver that is dangerous but the road. It could be a congested intersection that is just too busy during certain times of the day. Maybe an intersection has an overgrown bush that makes it hard to tell if traffic is coming. Sometimes high pedestrian areas, especially around downtown Fort Lauderdale, can make an intersection crossing particularly dangerous. For motorists in Broward County, these are some of the most dangerous intersections:

A1A and Las Olas in Fort Lauderdale
W Sunrise Blvd & N Andrews Ave (near Warfield park)
NW 50th Ave & W Oakland Park Blvd (just east of the Turnpike)
US-27 & Griffin Rd (the very west end of Broward County) The most dangerous intersections are determined by statistics on accidents and fatalities put out by the Florida Highway Safety and Motor Vehicles, but the most dangerous intersection is the one that caused your accident. From the furthest west of Broward all the way down to the beach, Joseph Maus is here to help.

Quick Tips: Top 5 Things to Do After an Accident?

We invite you to call us to learn about the legal options you have based on the unique outcome and circumstances of your car accident. However, we’ve been in this business a long time and can offer some immediate tips to ensure you don’t negatively impact your opportunity to file a car accident lawsuit.

Did you or another family member verbalize fault? Even saying “I’m sorry” after an accident can be taken as an admission of guilt. If you did, let’s talk about your options.
Did you go to the doctor? If not, go right now. Many injuries are not apparent and require a thorough doctor’s exam. Delays in seeking care can make a condition worse and be used as evidence to argue that the accident was not the cause of the injury.
Did you get a police report? Evidence is crucial after an accident, whether you are trying to show another person is at fault or trying to deny an accusation of fault against yourself. A police report is extremely persuasive evidence, so be sure to get it and take full advantage of it.
Did you post on social media about your accident? If you did, take it down. Social media posts can be used against your lawsuit.
Did you call an attorney? It costs nothing to speak with a member of our team. It’s a no-obligation call. We’re sure you have questions – get them answered for free.

What Is the Average Settlement for a Car Accident in Fort Lauderdale Florida?

In Fort Lauderdale, the compensation for a car accident can range from $10,000 to hundreds of thousands of dollars to millions of dollars. After an accident in Florida the victim (or the victim’s family in the event of a fatal accident) can be legally awarded the following types of compensation:

Medical Expenses: This includes past medical bills and a reasonable estimate of future expenses. Your attorney can work with medical experts to determine future medical expenses.
Property Damage: In auto accidents, this generally covers damages to the plaintiff’s vehicle and any damaged property inside the vehicle. For a totaled vehicle, the property damage is generally the car’s replacement value. For non-totaled vehicles, the repair expenses will be the damages.
Lost Wages: As with medical expenses, this also includes past and future lost wages.
Rehabilitation Expenses: Common rehabilitation expenses include physical therapy and occupational therapy.
Reduced Earning Potential: For serious injuries, a person may be unable to return to their profession or they may only be able to work at a reduced capacity.
Pain and Suffering: Although these damages are difficult to calculate, they can be substantial for people with serious and long-lasting injuries.
Diminished Quality of Life: If a plaintiff’s quality of life is lessened by their injury, this can be included in a damages award. It might include payment for a reduced ability to perform activities of daily living. The victim might also be compensated for the loss of enjoyment of certain activities.

When reviewing car accident cases we take the following criteria into account to help determine what an appropriate settlement number is for your circumstances:

The percentage of fault of the drivers
The severity of the impact and the amount of property damage
The type injury(ies) suffered
The amount of medical bills
The amount of lost wages

As you might expect, in most cases, car insurance companies do not offer just compensation – at least not initially. As a result, like a car accident victim, you need to be prepared to say no when a settlement offer is not enough. However, you must also know when a settlement offer is enough; and, once again, this requires the knowledge and insights of an experienced Fort Lauderdale car accident lawyer.

First 4 Steps That Your Car Accident Attorney Will Complete

After a car accident in the Fort Lauderdale or Miami area, it is best to get a lawyer involved as quickly as possible. Your attorney will lead you through the steps of the lawsuit, which typically include the following. PRO TIP: There may be instances where an insurance company for another driver offers you a quick settlement amount in exchange for a waiver of liability – sometimes just a few days after your accident. While this settlement offer might seem very attractive at the time, it is virtually always less than an appropriate amount. Do not sign such a waiver without first consulting with Fort Lauderdale car accident lawyers.

Step 1: Evaluation of Injuries and Overall Case

First, we will evaluate your potential compensation for injuries through review of medical records. It may be necessary to retain experts on your behalf to support your claim further. For example, if your accident was due to poor road design, we can hire professional engineers to review the roadmap and determine if the state or county was negligent.

Step 2: Communication with Insurance Companies

We will communicate with the insurance company of any at-fault driver on your behalf. Our first communication is to let them know that you’ve retained an accident lawyer. From that initial legal counsel notice through negotiations, settlement and trial if needed, we will always handle the insurance company for you.

Step 3: Accident Investigation & Evidence Collection

After your insurance company is notified we will investigate the accident and collect relevant evidence. This procedure may include examining the scene of the incident, obtaining any photographic evidence, obtaining witness statements, and obtaining and evaluating any police reports.

Step 4: Filing Lawsuit and Litigating Case

Depending on the strength of the case and the status of settlement negotiations, you will decide whether to file a lawsuit and pursue litigation.

Types of Accidents a Fort Lauderdale Car Accident Lawyer Can Help With

At Maus Law Firm, we’ve seen thousands of car accidents in South Florida. Our Fort Lauderdale car crash attorneys can help South Floridians with the following types of accidents:

Rear-End Collisions : These accidents occur when slow or stopped vehicles are struck from behind. The injuries and property damage can be serious, especially for the rear-ended vehicle.
Side Impact Crashes: Also known as “T-bone accidents,” collisions, where vehicles are struck from the side, are more likely to cause serious injuries and rollovers, even at low speeds.
Head-on Collisions : While head-on collisions are less common than other types of accidents, they are far more deadly.
Sideswipe Collisions: Collisions between the sides of vehicles can occur when the cars are moving in the same or opposite directions.
High-Speed Collisions: Highway wrecks with cars driving at high speeds typically have a devastating impact.
Auto Accidents at an Intersection: Often resulting from failing to see traffic signals or yield the right-of-way, accidents at intersections typically involve multiple vehicles.
Chain-Reaction Car Accidents: These accidents range from several vehicles rear-ending each other in a line to multi-vehicle pileups. Poor weather and low visibility are often contributing factors, as well as when drivers try to avoid a pileup that they spot in the distance.
Hit and Run Accidents: When an at-fault driver flees the scene, recovering compensation can sometimes be more difficult. Our firm, however, may still be able to obtain compensation for you even if the driver is never located.

Dealing with insurance companies, proving fault, and establishing damages differs between all of the accidents above. At the Maus Law Firm, we can assist with all of these scenarios and fight for your maximum possible compensation.

What Are the Top 5 Causes of Car Accidents?

Along with the various types of impacts, Fort Lauderdale car crashes also have varying causes. Common causes of the car accidents we see in Fort Lauderdale include:

Distracted Driving : Distracted drivers have always been a major cause of car accidents. Now with the added temptations of cell phones, smartphones, and GPS devices, the number of potential distractions for drivers has multiplied. These distractions can lead to the driver missing a traffic signal, stop sign, or a slow or stopped vehicle.
Reckless Driving: Driving recklessly can be something as simple as driving at excessive speeds. It could also include more serious conduct, such as racing or road rage. Unlike mere careless or distracted driving, reckless driving could result in criminal punishment if an injury or death results.
Drunk Driving: Drivers under the influence of alcohol or other drugs are a nationwide problem, but Broward County has more than its share of intoxicated drivers. As with reckless driving, drunk driving generally has consequences that include criminal punishment in addition to the personal injury claim.
Poor Weather: Rainstorms are common in South Florida, and inclement weather is a contributing factor for many Fort Lauderdale car accidents. These heavy downpours can reduce visibility and make road surfaces more slippery. A driver who fails to adjust his or her driving to poor weather conditions could be found liable for reckless driving.
Accidents with Keyless Ignition Cars: Keyless ignition cars cause accidents including inhalation of carbon monoxide — a hazard that can lead to serious injury or death.

What Types of Car Accident Injuries are Eligible for Financial Compensation?

With this in mind, when can you seek compensation outside of PIP (which, in most cases is limited to $10,000 in coverage)? While it will be necessary to evaluate the impacts of your specific injuries in order to determine your legal rights, some examples of car accident injuries that can qualify as “significant” or “permanent” for insurance purposes include:

Back Injuries are Common in a Car Crash

Spinal fractures, herniated discs, nerve damage, and other spinal cord injuries can have immediate and often permanent effects. If you are experiencing back pain, shooting pain in your limbs or extremities, or limited mobility, you should see a doctor promptly for a thorough diagnosis (if you haven’t already).

Broken Bones

Broken bones are common injuries in car accidents, and they can occur in all parts of the body. From broken fingers and toes to skull fractures, all types of breaks have the potential for long-lasting effects. Severe breaks in particular (i.e. displaced and comminuted fractures) will often require intensive treatment and recovery.

Seatbelt Burns and Injuries from Friction, Heat or Fire

Seatbelt burns are common injuries in serious auto accidents, and victims can suffer burns due to various other factors as well. Similar to broken bones, burns can vary significantly in terms of their severity, and the long-term effects can vary greatly as well.

Chest and Abdominal Injuries

Rib fractures, punctured lungs, internal bleeding and other types of chest and abdominal injuries will often require emergency medical treatment. Even after being stabilized, car accident victims can still face long and difficult roads to recovery, and some will be forced to cope with the effects of their injuries for the rest of their lives.

Face and Ear Injuries from Broken Glass or the Airbags

Face and ear injuries can result from broken plastic and glass, traumatic impacts, airbag deployment, and various other factors. Accident victims who suffer permanent disabilities (i.e. loss of sight or vision) or permanent scarring will often be entitled to significant financial recoveries.

Neck Injuries (Whiplash)

Nerve damage, soft tissue damage, cervical fractures, and damage to blood vessels and arteries in the neck can have serious and lasting consequences. Whiplash is a common injury in rear-end and head-on collisions, and the recovery process can be long, difficult and expensive.

Severe Lacerations

Severe cuts, or lacerations, are common in all types of automobile accidents. In addition to facial lacerations, severe lacerations in the chest, abdomen, limbs and extremities can cause nerve damage, loss of blood, and several other potentially-dangerous conditions. Lacerations requiring stitches or sutures can lead to long and difficult recoveries, and accident victims will often be left with permanent scars as well.

Severe Swelling

Severe swelling can be symptomatic of a variety of different types of traumatic injuries, and accident victims who experience severe swelling should seek medical attention promptly. Bruises, fractures, blood clots, edemas, and infections from foreign substances entering the body are all possible causes, and they all have the potential to lead to life-altering disabilities and complications.

Soft Tissue Injuries

Sprains, strains and tears can result from traumatic force, stretching or twisting. While most sprains and strains will heal with rest and rehabilitative therapy, tears in the muscles, ligaments and tendons may require surgery, and surgical procedures performed to repair soft tissue damage can lead to scarring and permanent physical limitations.

Traumatic Brain Injuries (Including Concussions) Concussions and other traumatic brain injuries (TBI) are among the most-dangerous types of automobile accident injuries. Hematomas, hemorrhages, edemas, diffuse anoxal injuries (DAI), and other forms of TBI can have varied effects, and the financial and non-financial costs of coping with these injuries can be substantial.

Of course, regardless of whether you are limited to filing for PIP (or may be limited to filing for PIP), you should discuss your case with an attorney. Even securing PIP coverage can be a challenge; and, if you have a fault-based auto insurance claim, or a claim against a third party, you will need to hire an attorney to pursue your claim on your behalf. To discuss your claim with our Fort Lauderdale auto accident lawyers at the Maus Law Firm, schedule a free consultation today. You pay nothing unless we win.

When are Drivers Required to Report Car Accidents in Florida?

If you have been involved in a fender bender and are wondering if it is worth dealing with the insurance companies, there are two separate – and equally important – questions you need to answer: (i) Are you required to report the accident to the police and/or your insurer? (ii) Even if you are not legally required to report the accident, it is still in your best interests to do so? The answers to these questions are not as straightforward as they may seem, and our accident lawyers are here to help.

There are several circumstances under which drivers are required to report car accidents under Florida law. As you can see, several of these circumstances can potentially be relevant even in the case of a fender bender or other “minor” collision:

The other driver fled the scene of the accident
The other driver was under the influence of alcohol
The accident involved a commercial vehicle
Either your or the other driver was operating a rental car
The accident involved personal injury or death
Any vehicle involved in the accident needed to be towed

Additionally, most auto insurance companies require their policyholders to report all accidents regardless of severity, and this requirement may be written into the terms of your policy. If you fail to timely report an accident and then subsequently file a claim for coverage, your insurance company may try to argue that your failure to timely report the accident justifies a denial of coverage.

Further, there are a number of reasons why it may be in your best interests to report the accident even if you are not required to do so. For example, potential issues that could come up once you get home following the accident include:

The other driver claims that the accident never happened
The other driver claims to be seriously injured and accuses you of being at fault
You begin to experience pain or other symptoms of a potentially-serious injury Among all of the various reasons why you may want (or need) to report a car accident, this last reason is in many respects the most important. After a car accident, it is common not to experience symptoms right away, and even “minor” accidents such as fender benders can cause concussions and other serious injuries. If you have been injured, your medical expenses and other costs could quickly get out of hand, and reporting the accident promptly could be critical to recovering just compensation.

When Should You Settle a Car Accident Lawsuit?

You only get one chance to settle; and, if you settle for too little, you cannot go back to the insurance company and ask for more. Before a lawsuit is even filed, our lawyers have begun settlement negotiations with the insurance company of the at-fault driver. During our settlement negotiations, we are looking at the types of injuries, the insurance policy limits, and all of your unpaid bills resulting from your car accident injury.

Settlement negotiations are ongoing throughout the process, and a settlement is possible at any time during the course of the legal process, including right up to the moment of trial or even during trial. When the at-fault driver’s insurance company knows that you have retained an experienced Fort Lauderdale car accident lawyer who is ready, willing, and able to present a case with the intention of prevailing at trial, they have a greater incentive to settle at a higher amount.

Car Accident FAQs Answered by Our Fort Lauderdale Car Accident Lawyer

Should I give a statement to the other driver’s insurance company?

If possible, it is wise to consult with Fort Lauderdale accident lawyers before making statements to the insurance company of another driver involved in the accident. Unless you understand the optimal way to answer a question or present information, your words could be taken out of context and used against you. The other insurance company will be looking for any excuse to deny liability on their driver’s part.

What if I’m in a hit and run accident?

Hit and run accidents can be a challenge. Depending on the situation, our lawyers will investigate to determine the driver’s identity to file a personal injury claim. However, many hit and run cases in Fort Lauderdale are handled through the owner’s uninsured motorist coverage.

What if I don’t have a police report?

A police report provides the best evidence in a car accident situation, so it is a good idea to insist that police be called to take a report. However, if it is too late, try to collect other evidence to show what happened and who was at fault. For instance, take photos of the scene as soon as possible. Your Fort Lauderdale car accident lawyer can collect and preserve footage from traffic cameras, help locate and interview witnesses, and work with accident reconstruction experts to help prove causation.

What happens if multiple people are involved in a car accident?

When more than two parties are involved in an accident, the case can be complicated. However, the addition of extra parties increases the likelihood that others may be held liable for causing the accident. After investigating to determine the party or parties at fault, a lawyer might ascertain whether the insurance policies involved provide enough coverage to compensate all victims in the accident. If there is not enough coverage and the circumstances do not warrant a lawsuit, it may be necessary to negotiate a settlement to distribute the available injury coverage money to the victims.

How does Florida’s comparative negligence rule impact my car accident claim?

Florida uses a comparative negligence rule, which means that your ability to recover compensation isn’t automatically wiped out just because you share some blame for the crash. Instead, your financial recovery may be reduced in proportion to your share of fault. For instance, if you’re found to be 30% at fault, you can still recover 70% of your eligible damages—whether those are medical bills, lost income, or other losses.

Insurance companies tend to seize upon any opportunity to assign you a larger slice of the blame pie, as it lowers their payout. That’s why it’s critical to have an experienced Fort Lauderdale car accident lawyer in your corner—someone who can build a strong case, gather supporting evidence, and push back against unfair fault claims.

Even if fault is divided among several parties, you may still pursue compensation for the percentage attributable to others’ negligence. The key is a thorough investigation, attention to evidence (photos, witness statements, and reports), and effective negotiation with insurance adjusters to ensure your claim isn’t unfairly minimized.

What is the time limit for filing a car accident lawsuit in Florida?

Florida law allows four years from the time of the accident to file a personal injury lawsuit. Lawyers frequently refer to this deadline as the statute of limitations. If a car accident resulted in a wrongful death, the deadline is different. Claimants must file a lawsuit within two years of the date of their loved one’s death.

How long does it typically take to settle a car accident case in Fort Lauderdale?

The timeline for settling a car accident case in Fort Lauderdale can vary widely based on several factors. In some instances, claims may resolve in a matter of weeks if liability is clear and injuries are minor. More often, however, cases take several months or longer, particularly if you require ongoing medical treatment, if the facts of the accident are disputed, or if multiple parties are involved.

Several factors influence the process, including:

The severity and duration of your injuries (since settlement values often depend on a full understanding of your medical prognosis)
The time needed to collect evidence, interview witnesses, and reconstruct the accident
Delays stemming from negotiation with insurance companies, who may dispute coverage or liability
The need to determine all potential sources of coverage if several insurance policies are involved

While our goal is to resolve your case as efficiently as possible, it’s essential to keep in mind that reaching a fair settlement may take time, especially when it’s necessary to fight for the full compensation you deserve. If a reasonable settlement cannot be reached, the process could extend significantly if litigation becomes necessary.

Who is eligible to file a wrongful death claim after a fatal car accident?

In Florida, a wrongful death claim after a car accident is typically filed by the personal representative of the deceased person’s estate. This representative acts on behalf of surviving family members who may be entitled to compensation. Potential beneficiaries include the spouse, children, and parents of the person who died, along with other blood relatives or adoptive siblings who were financially dependent on the deceased at the time of their passing.

The process can be complex, so having guidance from an experienced Fort Lauderdale car accident lawyer can help your family understand your rights and pursue the compensation you may be owed.

What is a wrongful death claim in the context of a car accident in Florida?

A wrongful death claim arises when someone dies as a result of another party’s negligence, recklessness, or intentional wrongdoing—such as in a serious car accident. Under Florida law, only certain close family members—like a spouse, children, parents, or other relatives who are financially dependent on the deceased—can recover damages through a wrongful death action. The personal representative of the deceased’s estate typically files the claim on behalf of the family.

Damages that may be recovered in a wrongful death lawsuit include:

Medical expenses related to the final injury or illness
Funeral and burial costs
Loss of the deceased’s income and benefits
Loss of love, companionship, and support
Emotional pain and suffering for surviving family members

If you have lost a loved one in a car crash caused by another’s negligence, a Fort Lauderdale car accident lawyer familiar with wrongful death cases can help you navigate Florida’s specific legal requirements and work to secure the compensation your family deserves.

What if I’m at fault for causing a collision? Will a Fort Lauderdale car accident lawyer still be able to help me?

Driving is a complex operation, and usually, a collision has more than one cause. A lawyer may be able to show that your actions only contributed to the cause of an accident in a minor way. We may also be able to assist in negotiations with insurers and others involved in the case.

What if I’m in an accident while driving for work?

A different set of rules could come into play if you are injured or cause injuries to others while driving a vehicle in the scope of your employment. Your claim might be handled through the workers’ compensation program. Your employer might be held vicariously liable for harm suffered by others in the accident. Although your company might have attorneys handling the case, they will be looking out for the company’s interests rather than individual employees. It would still be wise to consult our attorneys to learn the benefits of having your own personal legal advisor and representative.

Why doesn’t the at-fault person’s insurance coverage covers my medical bills?

Most people’s immediate reaction after being injured in a car accident is that the person that caused the accident should pay my medical bills. It does, but only partially. Because of Florida’s PIP law – the “Motor Vehicle No-Fault Law”, Florida is known as a “no fault” state. This means that if you are injured in a car accident, your medical bills will be covered under your own PIP insurance up to your policy limits. If you have medical bills that exceed your policy limits, then you can pursue the at-fault person, or his/her insurance policy to cover your excess medical bills.

What should I know about car accident insurance claims and Florida’s no-fault laws?

Florida handles car accident claims a bit differently than many other states thanks to the “no-fault” rule. Here, if you’re hurt in a car accident—no matter who was at fault—the first stop for covering medical expenses is your own Personal Injury Protection (PIP) insurance. Under Florida Statutes § 627.736, your PIP policy typically pays up to 80% of your medical bills and 60% of your lost wages, but only up to the limits of your own policy.

It can be surprising to learn that you’re required to file a claim with your own insurer first, even if the accident was clearly someone else’s fault. If your medical bills or lost income spill over those coverage limits, then you may pursue a claim against the at-fault driver’s insurance for the excess. Navigating this process can get complicated, particularly if serious injuries are involved or if multiple insurance policies come into play.

Having guidance from a Fort Lauderdale car accident lawyer can help streamline your claim, clarify your rights, and ensure you don’t leave money on the table. After all, the details matter—a missed deadline or overlooked option could mean missing out on compensation you’re entitled to.

Will my insurance rates go up if I make a claim under my PIP coverage?

Probably a better question is – when is the last time your insurance rates actually went down? The likely answer is never. This means that your insurance rates are going to go up whether you make a car accident claim or not. However, because Florida is a no fault state, you are required to submit your medical bills for payment through your PIP insurance. If you were to present to you primary care doctor and tell him you were in a car accident, he or she is not supposed to treat you through your health insurance – only through PIP. And because you don’t have a choice, submitting your medical bills through your PIP coverage should not affect your insurance rates.

Can I make a claim against the at fault person’s insurance?

Absolutely, but only if that person carries bodily injury (BI) coverage. Unfortunately for car accidents, Florida only requires a driver to carry PIP coverage and property damage (PD). As such, ALL car insurance policies sold in Florida will have PIP and PD coverage. To obtain BI coverage, a person must request it from their insurance company. BI coverage is the type of insurance coverage that can cover any medical bills that are not covered by your PIP. BI coverage can also cover you for your lost wages from a car accident, and the pain and suffering from your injuries.

Who will pay my deductible if my car is damaged?

As long as the at fault person has insurance coverage, you will not get hit with a deductible. Even if your insurance company pays for your property damage, the at fault person’s insurance coverage must still pay you your deductible.

How do I verify whether the person that caused the accident has insurance coverage?

There are two types of documents you will receive from the investigating police department after a Florida car accident. You may get a short-form crash report which is usually one page long and will contain the driver’s name and address, and insurance information if they have it. However, in some instances, you may only receive a small business card that contains the crash report number, which you will then need to obtain. Either way, you will need to contact the insurance company to find out what type of coverage is available.

Am I required to speak to the other person’s insurance company?

No; you may want to in certain instances but you are under no obligation to. Keep in mind, that every insurance company has different adjusters that work on a car accident claim. There are PIP adjusters, uninsured motorist adjusters, property damage adjusters, and bodily injury adjusters. It is important to know who you are speaking to if you are contacted by an insurance company after an accident. You may want to speak to the other person’s property damage adjuster as that will speed up getting your car fixed. But, you should avoid speaking to the other person’s bodily injury adjuster.

Can I get a car rental after a car accident?

Only if you have rental coverage. However, some insurance companies will agree to provide a car rental if their insured caused an accident, but only for a limited time.

Where can I get my car fixed after a car accident?

If it’s a newer car, go to the dealer. The dealer is best equipped to evaluate the damage to your car, and repair it satisfactorily with genuine manufacturer parts. A dealer will most likely be the most expensive place to get your car fixed, but the repair is being covered by insurance, so the cost should not be a concern to you. If your car is an older model, you are free to have it repaired at whatever facility you feel will do a quality job.

What are my best options for financial recovery after a car accident in Fort Lauderdale?

When you’re facing mounting bills after a car accident, knowing your options for financial recovery is crucial. Fortunately, there are several ways to ensure you’re not left footing the bill alone.

1. Personal Injury Protection (PIP) Benefits

Florida is a no-fault state, which means your own PIP coverage is your first line of defense. This will cover your initial medical expenses and a portion of your lost wages regardless of who caused the accident. It kicks in quickly, but PIP has its limits—so if your damages exceed that coverage, you’re not out of luck.

2. Claim Against the At-Fault Driver’s Insurance

If the other driver was at fault and carries bodily injury (BI) coverage (not always a guarantee in Florida), you may file a claim with their insurance for additional costs. This can help cover:

Medical bills that exceed your PIP limits
Lost income that wasn’t covered by PIP
Pain and suffering, emotional distress, or permanent impairments

Keep in mind, the value of your claim depends on the severity of your injuries and the available coverage.

3. Uninsured/Underinsured Motorist Coverage

Sometimes, the at-fault driver doesn’t have adequate insurance—or any at all. If you’ve added uninsured or underinsured motorist (UM/UIM) coverage to your policy (and it’s a smart move), it can step in to make up the difference, helping fill the gaps for your medical expenses and more.

4. Out-of-Pocket Expenses & Intangible Losses

Beyond the obvious bills, you might also incur out-of-pocket expenses for things like:

Transportation to appointments
Prescription costs
Medical devices

Then there are damages you can’t put a receipt on—pain, suffering, or changes to your quality of life. These are compensable too, but can be tricky to value. That’s where experienced legal help can make a critical difference in maximizing your recovery.

5. Legal Action

If insurance doesn’t fully compensate your losses, you may consider filing a personal injury lawsuit against the at-fault party. This is especially important if your injuries lead to ongoing medical needs, lost future earnings, or permanent changes to your daily life.

Why Not Just Settle Quickly?

Insurance companies may tempt you with an offer right away—don’t be too quick to sign on the dotted line. Early settlements often overlook future bills or lingering injuries. Once you accept, you’re usually on your own for anything that arises later.

What Should You Do Next?

Document everything: medical records, time off work, and all accident-related expenses
Consult with a Fort Lauderdale car accident attorney: A knowledgeable attorney can assess your situation and help you navigate the claims process, ensuring you pursue every avenue available for compensation.

In short, your best bet for a full financial recovery involves understanding your insurance, determining if you can file claims with other parties, and being wary of fast settlements. When in doubt, get advice early—your future self will thank you.

Should I see a doctor right away after a car accident, or wait to see if my injury goes away?

I wish I had a few dollars for every time I have heard a person say they have a nagging injury from an old accident. The problem with all injuries is that you don’t know how they will heal, or how you are going to feel 6 weeks after the accident, 6 months, or even 6 years. The most common type of injuries from car accidents are usually neck and back, and joints like your shoulder and knees. Once these areas of your body suffer a traumatic injury, they tend to develop arthritis and degenerative conditions. The best policy is to always see a doctor after your car accident if you are feeling any pain. Even if you don’t go back to the doctor for a few months, you will document with the doctor that you had an accident and that you suffered an injury. No insurance company will be able to dispute later that you had an injury following the accident.

What is Florida’s 14-Day Accident Rule and how does it affect my eligibility for Personal Injury Protection (PIP) benefits?

Florida has a specific rule that can make or break your ability to receive PIP benefits after a car accident: the 14-Day Accident Rule. In simple terms, if you’ve been in a Florida car crash and want your medical bills covered by your PIP insurance, you must see a doctor or other approved medical provider within 14 days of your accident. This rule is strict—wait longer than two weeks and your insurance company can deny your entire PIP claim, regardless of how serious your injuries might be.

Here’s what counts:

You need to visit a medical doctor, chiropractor, dentist, hospital, or emergency medical personnel.
Even if your pain seems minor at first, getting checked out documents your injury and preserves your coverage.

So, when in doubt, don’t wait to get examined. It protects your health—and your benefits.

Should I pursue a claim for my injuries after a car accident?

If you were injured in a car accident, the question is why would you not? Most accident attorneys handle claims and lawsuits on a contingent basis. That means that you do not pay any upfront costs, and attorney’s fees are only paid if money is recovered for you. You have no risk in pursuing the claim. However, the benefit to pursuing a claim is that you may not have any out-of-pocket expenses, i.e. lost wages, copays, car rental, deductibles, and if you suffered a serious injury, money can be recovered for your pain and suffering and difficulties with daily living caused by the car accident.

What should I do if I have been seriously injured in a car accident and am facing medical bills and lost wages?

Having handled countless injury claims, I can tell you this: medical bills and time away from work quickly turn a bad day into a financial nightmare. It’s normal to feel overwhelmed, especially as those bills keep rolling in and your mailbox develops a direct relationship with your anxiety levels.

But here’s what you should do:

Seek Medical Attention, Even for “Minor” Injuries: Don’t power through or wait to see if things “get better.” Go to the ER, urgent care, or your primary doctor as soon as possible. This doesn’t just protect your health; it creates a record that documents your injuries, which is critical if you need to seek compensation later.
Document Everything: Save every medical bill, prescription, doctor’s note, and letter from your employer. Write down how your injuries are impacting your daily life and your ability to work. If you have to miss shifts, note the dates and lost hours. Your claim is only as strong as the evidence you collect.
Report the Accident to All Relevant Insurance Companies: Tell your own auto insurer about the accident right away, especially if you have Personal Injury Protection (PIP). PIP can pay some of your medical bills and lost wages, even before fault is determined.
Consult an Experienced Car Accident Lawyer: Most car accident attorneys work on a contingency fee—meaning you pay nothing upfront, and their fee comes out of your settlement or verdict. Their job is to evaluate your current and future financial losses, handle communication with insurance adjusters, and ensure you don’t accept an insufficient settlement that leaves you paying out of pocket.
Think About Long-Term Impacts: Some injuries take time to fully reveal themselves (back pain, anyone?). A good lawyer or doctor can help estimate your future medical needs and lost work potential. Settling too quickly could leave you shortchanged if complications arise down the road.
Don’t Hesitate to Ask for Help: Dealing with insurance companies or tracking down benefits like short-term disability, FMLA, or even coverage from health insurance or MedPay can be complicated. A lawyer will know how to coordinate these benefits and maximize your recovery.

Here’s the bottom line: if you’ve been seriously hurt and are worried about bills and missed paychecks, get medical attention, document everything, and consider getting professional legal advice before talking to the other party’s insurance company. It may be the difference between making a full financial recovery or being stuck with expenses that should never have been your responsibility in the first place.

Can a Fort Lauderdale car accident lawyer pursue a claim without notifying the auto insurance company?

When an accident results in only minor damage, both drivers may agree to settle the issue without getting their insurance companies involved. Why? Going through insurance is generally pretty straightforward, but it may result in high monthly premiums, regardless of blame. Therefore, handling the situation on their own can be less expensive for both parties. However, it is often much riskier. With that in mind, here are three things you must do if you decide to settle an auto collision without the aid of insurance.

Exchange information. Just as you would be going through insurance, you need the other driver’s info, including name, phone numbers, address, drivers’ license numbers, etc.
Get a police report. When it comes to establishing blame for a car accident, nothing is more persuasive than a police report. Once the officer at the scene files his/her report, negotiations over damages can commence without argument or dispute.
Obtain an estimate. Negotiations over damages should run far more smoothly if you get two or three estimates for repairs instead of one. Although these quotes may only vary by a small amount, they will let the other party know that you would like to settle things as quickly and inexpensively as possible. Insisting that you use a particular mechanic almost always makes things harder than they have to be.

What is the legal process for seeking compensation after a car accident in Florida?

Florida gives you a couple of routes if you’re injured in a car accident and someone else is at fault. Typically, you’ll start by filing a claim with the other driver’s insurance company, outlining what happened and the damages you’ve suffered. If that doesn’t lead to fair compensation—or if the insurance company decides to play hardball—you have the option to file a personal injury lawsuit in civil court.

Just be aware, the legal side of things isn’t as simple as handing over your medical bills. To succeed, you’ll have to prove that the other driver was careless (we lawyers call it “negligent”) and that this negligence actually caused your injuries. This means providing evidence like police reports, medical records, and even those repair estimates you’ve just gathered to support your case. It’s wise to have a Fort Lauderdale car accident lawyer in your corner—someone who knows the ins and outs of Florida traffic laws and has handled plenty of these cases before.

Contact a Fort Lauderdale Car Accident Lawyer at the Maus Law Firm

If you have been injured or suffered property damage in a car accident in South Florida, contact our firm today. The Florida legal landscape is tough terrain, and insurance companies are likely to play hardball. The Maus Law Firm can navigate the legal system for you and battle to obtain the compensation you need. Complete our contact form or call us at 1-855-999-5297 for a free consultation.