Florida law sets a two-year deadline for personal injury and wrongful death claims from speeding crashes. Failing to meet this statute of limitations prevents recovery. Because insurers use deadlines to their advantage, working with an attorney ensures your claim is filed on time and backed by the strongest available evidence.

Yes, you can still pursue compensation even if the driver was uninsured. In many cases, your uninsured or underinsured motorist coverage can step in to cover losses. In some crashes, liability may also extend to another party, such as a vehicle owner or employer. These claims often involve complex policy rules, so carefully reviewing your coverage is essential to avoid gaps in your financial recovery.

Yes, parents may be liable if their teen driver causes a crash. Florida’s dangerous instrumentality doctrine holds vehicle owners responsible for the permissive use of their vehicles. That means liability may extend beyond the teen to the parent who owns the car, allowing you to pursue compensation from more than one source.

You should notify your insurer as soon as possible, often within 24 to 48 hours. Delays may give the company grounds to reduce or deny coverage. Prompt reporting not only satisfies policy requirements but also helps avoid disputes that could complicate your recovery later in the process.

Yes, gap insurance usually covers the difference between your car’s value and the loan balance when the vehicle is totaled. This protection prevents you from owing money on a car you can no longer drive. However, it only applies if you purchased the coverage as part of your policy.

If a speeding driver borrowed someone else’s car, you can still pursue compensation. The driver remains legally responsible, but insurance coverage depends on permission. If the owner allowed use, their policy may apply. Without consent, the driver’s insurance is usually liable.

Yes, not wearing a seatbelt can reduce your recovery under Florida’s seatbelt defense. Insurers may argue that your injuries were made worse because you were unrestrained. While this does not prevent you from recovering damages, it may lower the award based on the percentage of responsibility assigned to you.

Yes, Florida law allows punitive damages when a driver’s actions are grossly reckless, such as combining alcohol and excessive speed. These damages are designed to punish the driver and deter similar behavior in the future. They are awarded in addition to compensation for your injuries and financial losses.