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Tampa Auto Accident FAQs

Free Consultations.  We don’t get paid unless we Win... and we want to win!

Call a Tampa car accident lawyer at the Fernandez Firm today to learn more about your legal rights following an auto accident in Florida.  There is no charge for our legal consultation and, if there is no recovery, there are no attorneys’ fees or costs due. 

We don’t get paid unless we Winand we want to win!

10 Frequently Asked Questions Following a Car Accident

1. What should I do if I have been involved in a car accident in Tampa?
The National Safety Council recommends that you take the following immediate actions

2. Who pays for the property damage to my vehicle?Generally, the insurance company for the at-fault party pays for property damage to the vehicles involved in the car accident.  For a detailed discussion on this topic, we recommended that you: (1) review your policy; and (2) if you have any further questions, please contact a Tampa car accident lawyer today at The Fernandez Firm.

3. Who will pay my medical bills following a car accident?
In most states, provided you are not at fault for the car accident, the other party's insurance company will ultimately be responsible for paying your for your medical bills.

In Florida, where drivers are required by law to purchase personal injury protection (PIP) coverage, your own automobile insurance company should reimburse you for a portion of medical expenses as set forth by state law and in accordance with the contractual guidelines of your individual insurance policy.  If you have specific questions regarding your entitlement to medical benefits you should: (1) contact your automobile insurance carrier; and (3) if you are not completely satisfied with the information received, please call to speak with one of our lawyers. 

4. Who will pay for my lost wages?
If you are not at-fault, the negligent party's insurance carrier will ultimately be responsible for any lost wages or lost time from work.  However, in states requiring personal injury protection (PIP) coverage, like Florida, in most instances your own company will pay a specified portion of your lost wages.  For specific questions, we suggest that you: (1) immediately contact your automobile insurance carrier; and (2) review your automobile insurance policy.

5. If the person who caused the accident does not have auto insurance,
can I still recover for my losses?

If you purchased auto insurance with (UM) uninsured/underinsured motorists coverage under most circumstances you can recover compensation for your loss, injuries and damages, despite the fact that the responsible party is not insured.  For specific questions, contact our Florida car accident lawyersatthe Fernandez Firm at 1-800-222-8163.

6. If I have been injured, what type of damages can I recover under Florida law?
In Florida, if you are injured as a result of someone's negligence you could be entitled to receive compensation for the following types of damages:

  • Bodily injury
  • Past pain and suffering
  • Future pain and suffering
  • Disability
  • Disfigurement
  • Mental anguish
  • Expense of hospitalization
  • Medical and nursing care and treatment
  • Past lost of earnings
  • The loss of ability to earn future money
  • Inconvenience
  • Aggravation of a pre-existing condition
  • Loss of enjoyment of life
  • Property damage

7. If I have suffered personal injury in a car accident in Florida, when should I contact a lawyer?
If you have been injured in a Florida car accident because of someone's negligence, it is critical that you contact an experienced Florida personal injury lawyer immediately. Why?

Effective January 1, 2013, those injured in Florida car accidents have only 14 days to seek initial medical treatment in order to receive payment of their medical expenses. Failure to seek treatment within this very limited time-frame, will completely bar recovery of any no-fault/PIP insurance benefits.

In most cases, an early investigation plays a vital role in obtaining a successful result. As time passes, accident scenes change, witnesses disappear or forget important facts.

Our Florida car accident lawyers will immediately send our team investigators photograph the car accident scene, we obtain the accident report and contact all witnesses to the car crash to secure recorded statements form anyone present. Hiring a personal injury attorney specializing in Florida car accidents – such as the trial lawyers at The Fernandez Firm – is the best way to protect your legal rights.

8. If contacted, must I speak with the other party's insurance adjuster to discuss my injuries or explain what happened after a car accident in Florida?
No. It is not in your best interest to speak with the negligent party's insurance company regarding your injuries following acar accident in Florida. However, frequently the other party's insurance adjuster will contact you to attempt to secure a "recorded statement". Please be aware that any statement you make can be used against you in a Florida court of law.

As such, if you are not represented by a lawyer, you should be extremely cautious if you are contacted by the insurance company for the other driver and, if you have any questions contact a Tampa car accident lawyer the Fernandez Firm today.

9. Will insurance rates rise if I file a lawsuit?
For decades, the insurance industry has spent billions of dollars advertising that an increase in lawsuits has caused a dramatic rise in insurance rates. However, there has never been anyevidence whatsoever to support these claims. Yet in Florida, insurance rates here have continued to soar and citizen’s rights are under constant attack.

10. How much auto insurance should I buy?
Typically, this very important decision which should primarily be based on your personal financial position especially if you have collectible assets which may be jeopardized if you negligently injure another person. Regardless of your financial position, uninsured/underinsured motorists (UM) coverage is the most important type of automobile insurance coverage available to you as a consumer. If you are injured in an auto accident by someone with little or no insurance, your uninsured/underinsured motorists (UM) coverage may be your only source of compensation for your injuries.

Free Legal Consultations - Call Today!

Call a Tampa car accident lawyer at the Fernandez Firm today to learn more about your legal rights following an auto accident in Florida.  There is no charge for our legal consultation and, if there is no recovery, there are no attorneys’ fees or costs due.

 We don’t get paid unless we Winand we want to win!


  • As a Connecticut trial lawyer, I have regularly referred a number of personal injury cases to the Fernandez Firm. As skillful and experienced Florida injury attorneys, their lawyers are attentive to our clients’ needs and committed to making their voices heard. I feel very confident that the clients I refer to the Fernandez Firm are in excellent hands.
    Attorney Eric Smith
    Stratton Faxon
    New Haven, CT
  • As a practicing Florida attorney, for more than a decade I have referred many injured clients to the Fernandez Firm. From start to finish, they devote significant attention to the needs of my clients, they keep me updated regularly on the progress of our cases and, due to their hard work and expertise, have achieved excellent results in settlement and at trial.
    J. Clancey Bounds
    Bounds Law Group
    Orlando, FL