Answering Your Top Car Accident Questions

Car accidents can leave you with a lot of concerns about what comes next. From medical bills to insurance claims, it is normal to feel uncertain about the process. To make things easier, our Tampa, FL car accident lawyer has put together answers to some of the questions we hear most often from clients who are dealing with the aftermath of a crash.

Who Pays For My Medical Bills After A Car Accident?

Florida is a no-fault insurance state; this means that after a car accident, you first turn to your own insurance for coverage of medical expenses and certain losses, regardless of who caused the crash. These benefits are provided through personal injury protection (PIP). If your injuries are serious and meet certain thresholds, you may still have the right to bring a claim against the at-fault driver. We look at the full picture of your medical needs and help you understand what options may be available.

How Long Do I Have To File A Claim?

The amount of time you have to file depends on state law. In Florida, you generally have a set number of years from the date of the accident to pursue a lawsuit. However, insurance claims should be filed as soon as possible, often within days of the crash. Acting quickly allows us to gather important evidence and protect your rights throughout the process.

Should I Talk To The Other Driver’s Insurance Company?

You are not required to give a statement to the other driver’s insurance company. In fact, speaking with them directly may work against you. Their goal is to limit how much they pay out. Instead, it is better to let us handle communication on your behalf. That way, your words cannot be taken out of context or used to minimize your claim.

What Types Of Compensation Can I Recover?

Compensation after a car accident may include payment for medical bills, lost wages, property damage, and pain and suffering. The exact amount depends on the details of your case, such as the severity of injuries and how your daily life has been affected. We carefully evaluate your losses to pursue the recovery you deserve.

What If I Got Into An Accident With A Rental Car?

When a rental car is part of the accident, multiple insurance policies may come into play. The rental company often offers coverage options at the time of rental, but your own auto insurance may also extend to the rental vehicle. In addition, the credit card used for the rental may provide secondary coverage. We review the details of your situation to determine which policies apply and how compensation can be pursued.

I’m Not From Florida, So What Are My Options?

If you are visiting Florida and are involved in a car accident, you still have rights under Florida law. Your own auto insurance from your home state may provide coverage, and Florida’s no-fault rules may also apply to your case. The key is coordinating between your out-of-state insurance and Florida’s requirements. We help out-of-state drivers understand how these rules affect their ability to recover damages.

Do I Need A Lawyer If The Accident Was Minor?

Even minor accidents can create problems if injuries appear later or if insurance companies dispute the claim. Having a lawyer helps protect you from unexpected costs. Our Tampa, FL car accident lawyer can review the facts and explain whether legal action makes sense for your situation.

Turn To Us When You Need Help

At Mickey Keenan P.A., we know that car accidents can turn your life upside down in a matter of seconds. Our team offers decades of combined personal injury law experience, and we’re committed to helping you through the claims process, whether you are facing medical expenses, lost time at work, or lasting injuries. If you or someone close to you has been involved in a crash, reach out to speak with a member of our team and learn how we can help protect your rights.