After being hurt in a car accident in Florida, you want an auto accident attorney who gets you the best possible results. You need to win fair compensation to pay your bills, recover lost income, and feel as if justice has been served. David I. Fuchs, Injury & Accident Lawyer, P.A. is the right place to turn.

Attorney David Fuchs has over three decades of experience helping people just like you navigate the insurance claim process and litigation. He stands up to major insurance companies that want to limit your recovery. He isn’t afraid to take your case to court and convince a jury of your right to compensation. Give him a call today at (954) 568-3636 or use the online form to request a free consultation.

Florida Car Accident Laws

Florida is unique when it comes to car accidents. Most states use an at-fault insurance system. But Florida is a no-fault state. First party PIP (personal injury protection) no-fault benefits must be exhausted or the other carrier will set off against the compensation package for pain and suffering, lost wages, and medical bills that portion of first-party PIP that has not been utilized.

We know the ins and outs of Florida insurance and car accident laws, which helps you get the most out of your claim.

Florida Automobile Insurance

Florida auto insurance laws include:

  • Drivers must carry at least $10,000 in Personal Injury Protection (PIP) insurance: The third party (at fault driver) is under Florida no-fault law responsible for all of an accident victim’s pain and suffering and economic damages with the exception of the first party’s (plaintiff, or our potential client’s) PIP coverage, which pays all medical bills at 80% up to the coverage minimum of $10,000 minus any deductible that the first party has elected. The third-party is responsible for the 20%, not the elected deductible, and all remaining medical bills that are incurred and sustained as a result of the negligence of the third party driver causing the accident.
  • Drivers must carry at least $10,000 in Property Damage Liability (PDL) insurance: PDL pays for the other party’s property damage if you or someone driving your car caused the wreck.
  • Compensation for non-emergency injuries is limited to $2,500. If you suffer emergency injuries in a wreck, you’re entitled to the full policy limit. Emergency injuries cause serious jeopardy to your health, serious impairment of a bodily function, or serious dysfunction of any part or organ of the body. But if you sustain non-emergency injuries, you’re only entitled to compensation up to $2,500 under your PIP insurance.
  • Victims must receive medical care within 14 days. If you were involved in a crash, you should see a doctor as soon as possible. You might not go to the emergency room right away. You might think you’re fine, at first. But if you don’t get medical treatment within 14 days, PIP benefits may not apply and the person who caused the accident may not be responsible for the first $10,000 in medical bills.
  • Victims can file a third-party claim or lawsuit for serious injuries only. If you sustained minor or moderate injuries in a car crash, and you’re expected to fully recover and get back to work soon, then you can’t file a third-party insurance claim or personal injury lawsuit. You can only get compensation through your PIP insurance. But if you were seriously or catastrophically hurt in a crash, talk with a lawyer about pursuing compensation from the negligent driver.

Your Insurance Company after an Accident

You must call your insurance company to report a vehicle collision as soon as you can afterward. Waiting too long can result in the insurer refusing to cover your damages.

Call the phone number on the back of your insurance card and explain that you were just in an accident. Follow the insurance agent’s directions for reporting the crash. You will need information such as the name and insurance information of the other driver, as well as a description of how the crash happened and the damages it caused. Stick to the facts of your case when talking to your insurance company. Do not admit fault and do not speculate as to the fault of others. Do not agree to record a statement and do not say yes to a settlement offer without first discussing it with an attorney.

The truth of the matter is your insurance company is not on your side once a claim has been filed. Whether dealing with a PIP claim or filing an uninsured or underinsured motorist claim, an experienced law firm is best able to ensure your rights are protected. Insurance companies are worried about their bottom line. It’s incumbent upon you to look out for the financial well-being of you and your family.

At David I. Fuchs, Injury & Accident Lawyer, P.A., you will find a Fort Lauderdale injury attorney who has devoted his entire career to seeking justice for injury victims and their families. An aggressive, experienced, attorney, who works alongside clients to build cases capable of winning the justice they deserve.

Florida Motor Vehicle Code

The Florida Motor Vehicle Code controls driver’s licenses, financial responsibility (insurance), and traffic control laws. Our legal team is well-versed in Florida traffic laws. We’re able to thoroughly evaluate the evidence related to your crash to determine if the other driver broke one or more laws. Evidence of a legal violation, whether it was speeding, drunk driving, or failing to yield, can help you win your claim.

“One of the hardest working attorneys I know”

Mercedes Gomez

David I. Fuchs Client

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Yvette Ware
January 27, 2022.
My experience with David Fuchs was awesome, I got a really good return and Jessica was so helpful and worked really hard to get us back a really good return. Thank you David Fuchs and staff for being so helpful and working so hard to help us, you are appreciated.
Nicholas Gambardella
December 13, 2021.
They have a wonderful team. Jessica was very helpful and took care of my well being, very informative about my situation also they were on the ball when it came down to settling...I highly recommend David
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December 3, 2021.
I’m so happy with the results, they are very nice and made a really good job!
gabrielle wilson
November 5, 2021.
Great experience. The staff was very helpful and attentive. If needed I will come back to them!
Donna Musgrove
October 22, 2021.
At first I was afraid…I was petrified! I truly was! But the extensive knowledge, patience and professionalism I received, brought me not only such peace and assurance that I was in good hands, but we got through my case like shining stars!🌟 David made sure I understood exactly what, when, where, why and whatever question I had. I would definitely refer this firm as the “go-to” Florida personal injury gurus 🌟

Overview of the Claims Process

It’s important to have a clear understanding of how most Florida car accident claims proceed.

Receiving Medical Care

You need to get medical care within two weeks of the accident. We recommend seeing a doctor as soon as possible. You’ll want to follow your doctor’s treatment plan carefully. Document all of your medical care and keep copies of all of your medical records and bills.

Notifying Your Insurer

Most insurers require that you notify them of a crash or other event within a reasonable amount of time. We recommend you tell your insurance company as soon as you’re able to. You might be able to send notice of an accident through an app, a website, email, or over the phone.

Getting Your Vehicle Repaired or Replaced

When your vehicle is damaged in an accident, you’ll want to get it fixed. This usually means going on a third-party property damage claim. An insurer might offer a list of shops they work with. You have the right to take your car to any business you trust. The mechanic will thoroughly review the damage to the vehicle and provide an estimate of repairs. The insurance company will determine whether the vehicle should be repaired or is a total loss.

For Minor Injuries: Negotiating an Insurance Settlement

If your injuries aren’t serious, then you can work with your insurer to receive compensation for 80% of your total medical expenses and lost income. You’ll also work with your insurer or the at-fault driver’s insurer to have your vehicle repaired or replaced. For minor accidents, it’s possible to do this without an attorney. But if you’re worried you aren’t receiving all the compensation you should, don’t hesitate to contact a lawyer.

For Serious Injuries

For serious or catastrophic injuries from a car accident, we highly recommend you get a lawyer. You won’t be able to recover all the compensation you need through PIP and PDL insurance. Instead, you’re going to have to pursue a third-party insurance claim or lawsuit against the other driver. That driver might not carry liability insurance to cover your injuries. The lack of insurance makes it even more important that you have an attorney who can help you recover from the liable party directly.

Performing an Independent Investigation

Once you file your insurance claim, the insurance companies involved will investigate the crash. An investigation may involve returning to the scene, taking photographs, recreating the collision, interviewing eyewitnesses, gathering evidence from surveillance cameras or cell phone records, obtaining police reports, and studying medical records.

How long your investigation takes depends on the facts of the case. Make sure you go to the doctor for any injuries right away, as the insurance company will look at this information to gauge how serious your injuries might have been.

Your attorney will thoroughly and independently investigate the crash. Don’t rely on the insurance company’s investigation and findings. You should discover the truth for yourself. For complex accidents, we might hire an accident reconstructionist. This person can take the data we have about the crash and use mathematics to uncover who caused the crash or specific facts, like how fast someone was moving at the time of the collision.

Identifying the Liable Party (or Parties)

Car accident liability can be complicated. The person behind the wheel of the other vehicle might not be the party responsible for your injuries. Or they might not be the only liable party. We’ll investigate whether the at-fault driver was working at the time, such as an Uber or Lyft accident, or was in a borrowed or rented vehicle. We look for any potentially liable party, which might give us access to additional insurance policies.

Calculating Damages

We work closely with you to calculate the value of your economic damages, beyond what you received from PIP insurance, and your non-economic damages. You deserve compensation for your physical pain and suffering, mental distress, and other emotional injuries.

Sending a Demand Letter

When the law entitles you to more compensation than your insurance can provide, we start by sending the liable party or parties a demand letter. In this letter, we assert that they are responsible for the crash and your injuries due to negligence. We state your physical and emotional injuries. Then we demand a certain amount of compensation. We’ll give the other parties a certain period to respond before we move forward with a lawsuit.

Filing a Lawsuit

Our lawyers will carefully write the complaint and file it in court. We’ll make sure the other party—the defendant—is properly served the complaint and summons to court. Once we file the complaint, you’re officially a plaintiff. The next step is to go through the discovery process.

Going Through Settlement Negotiations

Ideally, your insurance company will cover the full cost of your medical bills and property damage. If your injuries weren’t significant or permanent, your case can end here. However, if you encounter any complexities or resistance, you likely need an attorney.

According to Florida’s no-fault insurance laws, you have the right to file a lawsuit against the other driver outside the insurance system if you meet the “serious injury” threshold. Basically, this means your injuries must be permanently disabling, scarring, or disfiguring to file a claim.

Filing an injury claim can often garner higher settlement amounts than a simple insurance claim. Bringing a claim with help from an attorney shows an insurance company that you mean business. Help during settlement negotiations can make sure the offer from the insurer is on a par with what your injuries and losses deserved. An attorney can also help you understand when you can and should file a claim against the driver rather than going through your insurance company. You’ll also have the ability to go to trial, if necessary, for full compensation.

Usually, after we complete discovery, we begin the settlement process. We might use mediation to go back and forth with the defendant and reach a fair amount. We can’t guarantee a settlement, but most claims are resolved without going to trial.

What You Need to Know About Car Accident Lawsuits

When you’re pursuing compensation after a serious accident, you should be prepared for litigation.

The Parties

Talk with a lawyer about the potential parties in a car accident claim. It might not be as simple as you and another driver. An employer, vehicle owner, rental company, rideshare company, manufacturer, or government agency could be involved depending on the cause of the crash.


You have to figure out where you should file the lawsuit. You can’t file just anywhere. You have to determine which court has jurisdiction over the subject matter of your case and which has jurisdiction over you and the defendants. A court without jurisdiction can’t hear your case. Filing in the wrong place means your case will be dismissed, and you’ll have to start again.

Statute of Limitations

Every state places a deadline on how long you have to file a lawsuit. It’s important to talk with a lawyer soon after your crash to calculate this deadline and make sure you file in time. In Florida, you have four years from the date of the crash to file a lawsuit.


Discovery is the longest phase of a lawsuit, and it can take months or over a year. During discovery, we use several legal tools to gather information from the defendants. These tools include depositions (out-of-court interviews), requests for admissions (true/false statements), interrogatories (questions), and demands to produce documents or objects.

Comparative Fault

A common issue that comes up during a car accident claim is two or more people sharing fault. You could be partly to blame for the crash. Florida follows a pure comparative fault rule. When two or more parties are responsible, the jury assigns each party a percentage of fault. Your compensation is reduced by your percentage of responsibility. For example, if you are 75% at fault, your compensation is reduced by 75%. You only get a quarter of how much your claim is worth.

Settlement Negotiations

We usually get to a point where we can negotiate a settlement when we finish discovery. At this point, both sides have all the information they need. We know the strengths and weaknesses of your case, and we know how to establish the other parties’ liability. We have everything we need to demand fair compensation for your injuries.

Trial Preparation

Not all claims are settled before trial. When we can’t settle, we move forward with trial preparation. We spend weeks making sure everything is in order, including all the evidence we’ll use in the trial. We finalize who will be our witnesses, and we prepare each witness to testify and be cross-examined by defense counsel. We also carefully prepare for voir dire, the jury selection process.

The Jury’s Verdict

At trial, each side has the opportunity to present their evidence and make a persuasive argument to the jury. At the end, the judge gives the jury of six or 12 people instructions. The judge tells them the issues they are supposed to decide and the standards for how. The jurors have to be unanimous in their decision. If they decide in your favor, the jury also decides your compensation.


If the jury decides in the defendant’s favor, then talk with a lawyer about filing an appeal. You have a brief time to tell the court you want to appeal. You should have an attorney review the trial record for grounds to appeal as soon as possible.

Schedule Your Free Consultation

It never hurts to hear an attorney’s thoughts on your case. A lawyer might advise you to work with your insurer to recover compensation for moderate injuries. You might learn you don’t have a strong basis for a lawsuit. But a lawyer might also see that you suffered serious injuries and need more than PIP insurance can give you. In that case, it’s important to work with your lawyer to pursue compensation from the at-fault driver.

You can schedule a free, no-risk consultation by using the online form or calling (954) 568-3636. Se habla Inglés y Español. Llame a David Fuchs abogado de accidentes en la Fort Lauderdale. Ofrece consultas gratuitas.

$1.8 Million Brain Injury Settlement

Case Type: Traumatic Brain Injury