How Does Car Insurance in Florida Work?

Were you involved in a car accident in Tampa, FL? If so, insurance claims may be confusing. Because Florida is a no-fault car insurance state, insurance claims for car accidents work differently than in most states.

Our Florida car accident attorneys at Winters & Yonker Personal Injury Lawyers have more than 119 years of combined legal experience. We have won tens of millions of dollars in insurance settlements and jury awards for thousands of clients. Our legal team will handle all aspects of your insurance claim.

Contact us today to schedule a free consultation with a Tampa car accident attorney. Call (813) 223-6200, we are available 24/7 to discuss your case with you.

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How Winters & Yonker Personal Injury Lawyers Can Help With Your Car Insurance Claim in Florida

Even though Florida has no-fault insurance requirements, you might have a claim against an at-fault driver. Our top-rated Florida personal injury attorneys pursue each legal claim available for your case. We work to maximize your recovery for damages.

Our lawyers are aggressive trial lawyers and skilled negotiators. When you hire our award-winning legal team at Winters & Yonker Personal Injury Lawyers, you can expect us to:

Investigate your car accident to determine how it happened and gather evidence proving fault
Identify the party or parties responsible for causing the car wreck
Review insurance coverage and file insurance claims
Work with accident reconstructionists and other expert witnesses, as necessary
Determine how much your case is worth by documenting all damages
Negotiate aggressively to obtain top settlement amounts
File a personal injury lawsuit and have a seasoned trial lawyer argue your case in court

Insurance companies can make the process of settling claims more difficult to wear you down so you’ll accept a lower settlement offer. Before you agree to a settlement, talk with one of our lawyers to ensure you receive a fair amount for your claim.

Call Winters & Yonker Personal Injury Lawyers to schedule a free case evaluation with an experienced car accident lawyer in Tampa, Florida.

Florida’s No-Fault Insurance Laws

Florida requires drivers to purchase a minimum amount of Personal Injury Protection (PIP) insurance coverage. No-fault insurance pays benefits for covered individuals involved in a car accident, regardless of who is responsible for causing the crash.

You must seek medical treatment from a doctor within 14 days of the car accident or you cannot receive PIP benefits. Even if you receive PIP benefits, the benefits do not cover all your losses.

The problem with PIP insurance is that it only pays 80% of your medical bills. Additionally, you only receive 60% of your lost wages. A $10,000 PIP insurance policy might not cover the expenses from a car accident, even when you receive a fraction of your lost wages and medical expenses.

Furthermore, PIP benefits are limited to $2,500 unless you sustain injuries that require emergency medical services.

Filing Claims Against the At-Fault Driver for a Florida Car Accident

If you sustain serious injuries in a car accident, you might have the right to pursue a claim against the at-fault driver. Florida statutes define the serious injury threshold, which includes permanent impairments, significant disfigurement, and death.

If the at-fault driver has liability insurance, you can file a claim with the insurance company. Liability insurance compensates accident victims when an insured driver causes an accident. However, the insurance company investigates the claim and could deny the claim.

You can also file a lawsuit against the at-fault driver seeking damages. In either situation, you can seek damages for the full amount of your economic and non-economic damages.

What Types of Damages Can I Receive for a Car Accident Claim Against the At-Fault Driver?

The damages you receive if you file a lawsuit or claim against the at-fault driver are much more extensive than a PIP claim. Examples of damages in a car accident case include:

Past and future medical bills
Mental anguish
Physical pain and suffering
Past and future lost wages and benefits
Cost of rehabilitation and therapy
Diminished quality of life
Out-of-pocket expenses
A reduction in earning capacity
Emotional distress
Permanent disabilities and impairments
Disfigurement and scarring

The amount you receive for a car accident claim depends on the facts of the case. Generally, catastrophic injuries increase the value of damages. Our Tampa car insurance claims lawyers work to obtain a fair settlement for your car accident claim.

There are time limits for filing insurance claims and personal injury lawsuits. It is best to speak with an attorney as soon as possible after a car crash to avoid missing a deadline.

Schedule a Free Consultation With Our Florida Car Accident Lawyers

Our top-rated personal injury lawyers can help you recover compensation for injuries sustained in a car accident. Call our law firm to request a free case review from an experienced Florida car accident attorney.

Anthony David

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Winters & Yonker are an extremely knowledgeable car accident attorneys in Tampa. Marc represented me injured in a car crash when I was coming off I-4. He is clearly the best in the field! The entire team at his firm is AMAZING!!!They helped through my whole process always keeping me up to date. They referenced me to the best doctors to assist in my recovery. I always felt comfortable with every part of it specially now in the pandemic time. The stuff is very friendly and always available for you. I specifically like to thank PRE-LITIGATION department. They were passionate, dedicated and professional. Marc worked very hard on my case and did fantastic job!!! I am very pleased with the outcome of my case. The results are outstanding. I highly recommend Marc and his entire Firm. You guys are AWESOME! Thank You to everyone at this firm!

Karla Rogers

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Best lawyer ever! I had an accident gave them a call and like three months later, case Settled and full payout... Excellent service!

Lenette Montalvo

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Christopher from Winter and Yonker was amazing. Very nice person to talk to, listen to what I had to say, and even gave his opinion when needed. From start to finish I felt very important and I was impressed by this law firm every one i spoke to made me feel safe and comfortableto. My accident has done a lot of damage to me, and knowing I had an attorney from Winters and Yonker on my side made me feel great. My compensation for my accident is amazing and it will help me in my life. Thank you very much I will definitely recommend this law firm.

coleman vera

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I went to Winter & Yonker Law Firm for my Tampa car accident case I was involved in. My case manager throughout the process and she took care of me from start to finish. The process was very seamless, I received the medical treatment that I needed immediately and at the very end, concluded with a very rewarding settlement. I've worked with a few law firms from prior accidents and none can compare to the service OR expertise I received from Mr. Yonker.👉 If you're seeking help for an injury related case, I would definitely recommend working with him and their amazing legal staff at Winter & Yonker Firm in Tampa. I will always use this firm for all my Personal Injury Claims! If you are l@@king for an Attorney to give you Top Notch legal help and the MOST money for your Pain & Suffering then take it from me I'm a paralegal and this firm continues to OUTSHINE them all!

Meredith Wilson

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This was my first personal injury experience. I wanted to choose a law office I could trust. A friend of mine recommended the law offices of Winters & Yonker, Personal Injury Lawyers in Tampa. Through the entire process Attorney Marc Yonkers was helpful and communication was stellar. I never felt out the loop. I felt confident throughout entire process. Which this month (Sept. 2023) they were able to settle my accident case successfully and to my 100% satisfaction. I cannot recommend Winters & Yonker and or Marc any higher. In short they are firm, fair, aggressive, responsive, super smart and know the numerous ins and outs of Personal Injury cases (which can be quite complicated). Upon hiring them you get a law firm that will leave you confident that your case will be handled expertly and with your interests front and center.

Geneva Ramirez

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Winters and Yonkers has been a legend of the Tampa Bay personal injury Attorney community for a long time. I was in a car accident recently with my husband, we suffered back and neck pains after two days and thought to get someone’s help. I found Winters & Yonker Personal Injury Lawyers through a google search and called them right up. The same day Mr. Winters contacted both of us, listened, and was compassionate to our situation. He helped us through the entire process including getting me seen by a Doctor so we could heal our injuries correctly, and we got our medical bills reduced! Bill Winters, my case manager, and the entire staff were very knowledgeable and exceptional at their work. We would like to express my sincere gratitude to them and recommend them without any hesitation to anybody who needs help, don't try and fight the at fault's insurance on your own. If you're injured and need someone to protect your rights you won't find a better Attorney than Bill Winters at Winters & Yonkers!-Geneva, Tampa FL#personalinjurylawyer #caraccidentlawyer #tampainjuryattorney

Shelley Torres

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Bum Boi

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My wife and I are work in Mediation and Arbitration but know nothing about personal injury cases. When a young delivery Truck driver who was distracted by his phone hit us at full speed and rear-ended us as we were stopped in traffic on Wesley chapel. We knew we needed to hire the best lawyers with PI experience and expertise in the Tampa legal community that we could.From our first phone call with Bill Winters and then all the way through Trial preparation then Trial, we never felt any bad about our case because we knew Bill and the entire staff at Winters and Yonker would take care of us.Their dedication, innovation, motivation, reliability, unparalleled intellect, and exceptional skill as trial lawyers make them extraordinary individuals. My experience working with them was nothing short of exceptional. Experiencing a car accident is an ordeal that encompasses fear, trauma, and frustration. It's a life-changing event in anyone's life. There was no amount of money that could ever make me alright, because I would give any amount of cash to not have to go through the nightmare that the car accident was and continues to be.It took almost 2 years from the time of the car crash to go to trial, but ultimately the jury verdict that Bill Winters got for my family was worth fighting for. There were so many times over the course of the three years that we actively realized how amazing it was that we felt no anxiety or concerns or worries about our case, because Bill is truly outstanding!If you or anyone you know gets hurt in a car accident, call Winters and Yonkers RIGHT AWAY! And then rest assured that you, your family, or friends are being cared for by the ABSOLUTE BEST legal team in Tampa Bay. Thank you, Winters & Yonker!

Glenda Litimco

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Winters & Yonker law firm did excellent work with my injury case. Luckily, I was referred to Winters & Yonker from a good friend after I was injured in a car accident. I did some initial research about injury lawyers near me, but the reviews for this office really stood out to me in Tampa. I decided to call and after a single phone conversation, the choice was easy to make! Not only was everyone extremely professional, they made the entire process smooth and clear. I was at ease with each step of the way because they were always there to answer my questions and keep me informed of what was happening. All expectations were met and my settlement was exceeded. I got much more than I thought was even possible from the insurance company. I highly recommend the Winters & Yonker Personal Injury Lawyers, and their team in Tampa to anyone in need of help after a car, truck, or motorcycle accident. You'll be in good hands!

Dandrea Ikner

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This is the best lawyer in town

Nicky Warner

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Max was amazing! He kept me updated throughout the whole process and was extremely easy to talk with. He also explained everything so I can completely understand it. It was an amazing experience. Thank you, Max!

Erika Smith

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I had a great experience with them! They truly care about you!! Thank you so much🤗

Jonathan Clem

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I was injured in a car crash here in town. Since it was essentially a "he said she said" accident case the opposing insurance claimed it was a 50/50 fault. Even though it clearly could not have been my fault. However, Bill worked diligently to get me everything I was needed to get my life back. He worked to get me access to all the doctors I needed and medical treamtment for my neck and back. Plus, a large settlement amount. Bill even took the time to calm me down when I saw the initial amount and cost for seeing my medical bills piling up! He even managed to get them to reduce their bills significantly! Plus, I received as much as possible. Winters & Yonker Personal Injury Lawyers in Tampa provided a great legal service. They were strait forward and honest about the approach, and communicated every aspect of the process. The firm took care of everything. I would 100% without a doubt recommend him if I knew someone that need a personal injury attorney. Given the circumstances of our introduction I hope I never have to, BUT Bill Winters will definitely be my first call if I'm ever injured again!

marie silvers

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They are the Best! They care about you as a person!

jorden reagan

1692106640

Everyone on their staff is amazing! Chris and Sara won my case and helped me out with an accident that occurred a few months back. They made the entire process so easy! They called with case updates but not too often where it was constant phone calls. It was just enough to know what was going on the whole time without being bombarded. Thankful for Tayler on their staff who helped inform me on why Winters and Yonker was the best choice to go with!

Kimberly Rushton

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Yes, I would highly recommend winners in Yonkers. I worked with Trevor and Trevor was the best. I recommend anyone that ever needs a lawyer to go to them. They are the best.

Pat Pawelkop

1691761083

Highly recommend. Bill Winters and his staff took time to answer my questions, and handled my case in a timely and professional manner. I almost didn't contact a lawyer over my "small" injury case because I feared it would be so difficult and stressful. But he got me the settlement that my insurance company owed me, and I would never have been able to do that on my own. And with less stress that I anticipated. I'm glad I called them.

Amysway Barton

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Always available

Certified Soul

1691535470

Winters and Yonker is who you want to go to when you get in a car accident because they will take care of you and won’t let you get low balled on your settlement. I got in a car accident where my back and shoulder was injured and I was referred to a attorney named Trevor. I appreciate Trevor for handling my case and keeping me informed with all the information I needed.

Sean S

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One of the best law firms in Tampa. My family was involved in a serious car accident. We went to that other personal injury firm with the two M's they were trying to make us settle the case quickly and they we're not listening to us with the arrogant attitude that they were the experts and we were just ignorant. We promptly fired them and then hired Winters & yonker. Our settlement was 5 times higher than what the MM wanted to settle for.I would like to thank Winters and Yonkers entire staff for a wonderful experience. They were all very knowledgeable and walked us through the whole process. We really felt like they cared, unlike the other firm.

Linda Robinson

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I’m giving Winters & Yonker a shout out. My mother fell in Winn Dixie afew months ago. Her first choice wasMorgan & Morgan; however, after theinterview with them they decided not to take the case. My perception was that it was not a big enough case for them. I knew that she deserved to be compensated for her injuries, and I had mad faith in Winters & Yonker from using them in the past. They not only took the case but settled it in record time. Thanks Winters and Yonker, and I like to send a special thank you to Christopher Smith, who was never to busy when I needed answers. I would recommend your law firm to anyone. I found you to be ethical, professional, and respectful to my family, but most of all you will fight for the little guy. Much love and respect. God bless you all and your families👏👏👏👏

Reuben Rodriques

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Other said it couldn't be done called your law firm and immediately you got on it impressive shocking furthermore you showed integrity did what you had to do though you didn't have to do it and I was shockingly pleased thank you you surprised me had I to choose any other law firm I would not hesitate to call you or share my experience with my friends thank you once again from me and my family amen

Hameed Owens

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PATRICK IS THE GOAT 🐐 I WAS INJURED ON A PROPERTY THAT CLAIM THEY DIDN'T COVER MY INJURY PATRICK SAID BE PATIENT & LET HIM WORK!:& HE DEFINITELY DID JUST THAT!!!: HE CHANGED MY LIFE 🐐💯

Enrique

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