Florida operates under a no-fault auto insurance system, which means drivers file injury claims with their own insurance company first — regardless of who caused the crash. Every registered vehicle in Florida must carry Personal Injury Protection (PIP) coverage of at least $10,000. PIP pays 80% of necessary and reasonable medical expenses and 60% of lost wages up to that limit, no matter who was at fault. This article explains how PIP works, when you can sue the at-fault driver, what the 14-day treatment rule means, how much you can recover, and what to do after a crash on Miami’s roads.

Key Takeaways

  • Florida requires $10,000 in PIP for every registered vehicle with four or more wheels, per the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).
  • PIP pays first, covering 80% of medical costs and 60% of lost wages — up to the policy limit — regardless of fault.
  • The 14-day rule is critical. If you don’t seek medical care within 14 days of the accident, your insurer may deny your PIP benefits.
  • An Emergency Medical Condition (EMC) diagnosis unlocks up to $10,000 in PIP benefits; without one, medical reimbursement may be capped at $2,500.
  • Florida’s modified comparative fault law (HB 837, 2023) bars recovery entirely if you are found more than 50% at fault in a lawsuit against the at-fault driver.

What “No-Fault” Means After a Florida Car Accident

Florida’s no-fault system removes the need to prove who caused an accident before receiving certain benefits. After a crash, most injured drivers turn to their own PIP coverage for immediate help with medical bills and lost income.

That sounds simple. In practice, it comes with specific rules, deadlines, and dollar limits that can significantly affect how much help you actually receive.

Your Own Insurance Usually Pays First

After most Florida crashes, your own insurer handles your injury-related expenses through PIP — not the other driver’s insurance. This holds true even when the other driver ran a red light or rear-ended you on I-95.

PIP covers you as the policyholder, your household relatives, passengers who lack their own PIP, and certain pedestrians and cyclists, depending on the facts.

No-Fault Does Not Mean No One Is Responsible

The label “no-fault” misleads many accident victims. Fault still matters — significantly — in several situations:

  • Property damage claims. Florida’s Property Damage Liability (PDL) coverage still requires someone to be responsible for paying for vehicle damage.
  • Serious injury lawsuits. When injuries cross Florida’s legal threshold, the injured person can file a claim directly against the at-fault driver for pain, suffering, and damages that exceed PIP limits.
  • Third-party bodily injury claims. If the at-fault driver carries Bodily Injury Liability (BIL) coverage, additional compensation may be available.

Why This Matters for Miami Accident Victims

Miami-Dade County recorded 64,009 total crashes in 2023 alone, according to the Florida Highway Safety and Motor Vehicles (FLHSMV) crash dashboard. That works out to roughly 175 crashes per day. The county draws over 28 million tourists annually (Greater Miami Convention & Visitors Bureau, 2024), contributing to a mix of local drivers, rental vehicles, rideshare cars on the Dolphin Expressway and Palmetto Expressway, and visitors unfamiliar with Florida roads.

Florida also carries the highest uninsured driver rate in the country — approximately 26.7% of all drivers. That means roughly 1 in 4 drivers on Miami roads has no insurance at all. Understanding the no-fault system helps Miami accident victims act quickly and protect their right to compensation.

What Insurance Coverage Does Florida Require?

Every Florida driver must maintain two types of auto insurance before registering a vehicle, per FLHSMV.

Personal Injury Protection Coverage

Florida law requires a minimum of $10,000 in Personal Injury Protection (PIP). PIP covers 80% of all necessary and reasonable medical expenses resulting from a covered injury — regardless of who caused the crash.

PIP follows the injured person, meaning it applies whether you were driving, a passenger, or in some cases a pedestrian struck by a covered vehicle.

Property Damage Liability Coverage

Florida also requires a minimum of $10,000 in Property Damage Liability (PDL). PDL pays for damage the insured driver causes to another person’s property — typically another vehicle. Unlike PIP, PDL protects others, not the policyholder.

Bodily Injury Liability Is Different From PIP

Bodily Injury Liability (BIL) is not required under Florida’s baseline no-fault framework — though some drivers carry it voluntarily or are required to carry it after certain violations. BIL pays other people’s injury costs when the insured driver is at fault.

The absence of mandatory BIL is one reason many Miami accident victims face gaps in compensation, especially when:

  • The at-fault driver carries no BIL coverage
  • The at-fault driver is uninsured entirely
  • Injuries exceed PIP limits without a source of additional recovery

This is why Uninsured/Underinsured Motorist (UM/UIM) coverage matters. It steps in when the at-fault driver cannot pay. Given Florida’s 26.7% uninsured driver rate, UM/UIM coverage is a practical necessity in Miami.

What Does Florida PIP Insurance Cover?

PIP is designed to provide fast, no-questions-asked coverage for injury-related expenses. Under Florida Statute §627.736, PIP covers four categories of benefits.

Medical Bills

PIP covers 80% of necessary and reasonable medical, surgical, X-ray, dental, rehabilitative, ambulance, hospital, and nursing expenses. This applies when the injured person meets the statutory requirements — including the 14-day treatment rule (addressed below).

Covered providers include physicians, dentists, chiropractic physicians, advanced practice registered nurses (APRNs), hospitals, hospital-owned facilities, and emergency transportation services.

Important: Massage therapy and acupuncture are not reimbursable as PIP medical benefits under Florida Statute §627.736.

Lost Wages and Loss of Earning Capacity

PIP may cover 60% of lost gross income and loss of earning capacity caused by injuries sustained in the crash. This is not a full wage replacement — it is a partial benefit designed to help while the injured person recovers.

For Miami workers who rely on hourly wages, tips, or self-employment income, this gap can be significant. A serious injury that sidelines someone for months can produce losses that far outpace what PIP replaces.

Death Benefits

Florida PIP provides a $5,000 death benefit in addition to medical and disability benefits. This is separate from any wrongful death claim that may be available against an at-fault driver.

What PIP Usually Does Not Cover

PIP does not cover:

  • Pain and suffering — no-fault benefits do not include non-economic damages
  • Vehicle repairs or property damage — PIP covers the person, not the car
  • Full wage replacement — only 60% of gross income up to the policy limit
  • Losses above the $10,000 cap — once PIP is exhausted, you must look to other sources
  • Massage therapy and acupuncture — excluded by statute

These gaps are the reason many Miami accident victims need to explore options beyond PIP — particularly after serious crashes involving hospitalization, surgery, or long-term rehabilitation.

The 14-Day Rule — Why Medical Treatment Timing Matters

The 14-day rule is one of the most consequential deadlines in Florida’s no-fault system. It is also one of the most misunderstood.

You Must Seek Initial Medical Care Within 14 Days

Florida Statute §627.736 requires that an injured person receive initial medical treatment within 14 days of the accident. If you wait longer, your insurer may deny your PIP claim entirely — regardless of how serious your injuries turn out to be.

This rule applies even if symptoms seem minor at first.

Who Counts as a Qualified Medical Provider?

Not every practitioner qualifies for PIP reimbursement. Initial care must be provided by:

  • Licensed physicians (MD or DO)
  • Dentists
  • Chiropractic physicians
  • Advanced practice registered nurses (APRNs)
  • Hospitals
  • Hospital-owned facilities
  • Emergency transportation providers (ambulances)

If you see a provider not on this list for your first visit, the insurer may argue that the 14-day requirement was not properly satisfied.

Why You Should Not Wait Even If You Feel Fine

Many of Miami’s most serious crash injuries do not show immediate symptoms. Whiplash, soft-tissue damage, herniated discs, concussions, and traumatic brain injuries (TBIs) often take 24 to 72 hours — sometimes longer — to produce noticeable pain.

Waiting to “see how you feel” is a risk. If symptoms appear on day 15, PIP coverage may already be off the table.

Seeking medical attention promptly also creates a documented record linking your injuries to the accident — evidence that becomes critical if you later pursue a claim against the at-fault driver.

How Much Can You Receive Through PIP?

The answer depends on one key medical finding — whether you have an Emergency Medical Condition.

The Standard $10,000 PIP Limit

Florida PIP coverage maxes out at $10,000 in medical and disability benefits, plus the $5,000 death benefit. The $10,000 cap applies to the combination of medical expenses (at 80%) and wage loss benefits (at 60%).

This means the actual dollar amount of medical bills PIP can cover — before the 80% co-pay applies — can approach $12,500. But the total PIP benefit paid will not exceed $10,000.

Emergency Medical Condition vs. Non-Emergency Medical Condition

This distinction directly controls how much of your $10,000 PIP limit you can access for medical care:

Diagnosis Maximum Medical Benefit Available
Emergency Medical Condition (EMC) Up to $10,000
Non-Emergency Medical Condition Limited to $2,500

An EMC is a medical condition with acute symptoms severe enough that the absence of immediate attention could reasonably result in serious jeopardy to your health, serious impairment of bodily functions, or serious dysfunction of a body organ or part.

The qualifying provider — typically the physician who provides your initial care — makes this determination. This is one reason the type of provider you see first, and what they document, can significantly affect the total PIP benefits available to you.

Why PIP Often Is Not Enough After a Serious Crash

Consider a typical crash scenario in Miami-Dade. An ambulance ride to Jackson Memorial Hospital costs between $1,200 and $2,500. An ER visit with imaging runs $3,000 to $10,000 or more. Orthopedic consultations, physical therapy, follow-up MRIs, and surgery can collectively push costs well past $50,000 — before accounting for lost wages over weeks or months of recovery.

PIP’s $10,000 limit covers a fraction of those costs. The gap must be addressed through a third-party claim against the at-fault driver, the injured person’s health insurance, or other available coverage.

Whose Insurance Pays After a Florida Car Accident?

Coverage priority in Florida is not always obvious — it depends on who was involved and what policies are in play.

If You Were Driving Your Own Car

Your own PIP is the first and primary source of benefits. Your insurer processes the PIP claim under your policy and pays up to your limit, subject to the 14-day rule and EMC determination.

If You Were a Passenger

PIP coverage for passengers can come from the owner of the vehicle you were riding in. If you have your own PIP policy, your own coverage may apply. Household relationships, policy terms, and the specific facts of the crash all affect which policy controls.

Coverage priority questions for passengers can get complicated. Getting a legal review helps passengers understand which policies apply and how to maximize available benefits.

If You Were a Pedestrian or Cyclist

Florida’s no-fault system extends PIP coverage to some pedestrians and cyclists injured in motor vehicle crashes. If the pedestrian or cyclist has their own auto insurance policy with PIP, their own policy typically applies first. If they do not have a policy, PIP from the vehicle that struck them may be available, depending on the circumstances.

If the Other Driver Was Clearly at Fault

Even when the other driver caused the crash, PIP still comes first. However, once PIP is exhausted — or if injuries meet Florida’s serious injury threshold — a third-party claim against the at-fault driver becomes available. That claim can pursue compensation for damages beyond what PIP covered, including pain and suffering, future medical costs, and full lost income.

Can You Sue the At-Fault Driver in Florida?

Yes, but Florida law limits who can bring a lawsuit for pain and suffering after a car accident. This is the “tort threshold” built into the no-fault system.

Florida’s Serious Injury Threshold

Under Florida Statute §627.737, you may file a personal injury lawsuit against the at-fault driver for pain, suffering, mental anguish, and inconvenience when the injury involves:

  • Significant and permanent loss of an important bodily function
  • Permanent injury within a reasonable degree of medical probability
  • Significant and permanent scarring or disfigurement
  • Death

Injuries that do not reach this threshold — even painful, disabling injuries — may be limited to PIP recovery for medical and wage-loss benefits.

This threshold makes the documentation of your injuries — from the emergency room through all follow-up care — foundational to any lawsuit.

Claims for Medical Bills Beyond PIP

If the at-fault driver carries Bodily Injury Liability coverage, a third-party claim can seek compensation for medical bills that exceed what PIP paid or was payable. This claim is based on the at-fault driver’s negligence and is separate from the PIP process.

Claims for Pain and Suffering

Pain and suffering is not covered by basic PIP. Recovering non-economic damages requires meeting Florida’s serious injury threshold and successfully pursuing a claim against the at-fault driver, either through a settlement or a lawsuit. These claims depend on liability evidence, medical documentation, and, in many cases, expert medical opinions.

How Fault Still Affects Your Florida Car Accident Claim

“No-fault” does not eliminate fault from the picture entirely. Fault shapes the size and availability of any recovery beyond PIP.

Fault Still Matters for Lawsuits and Settlement Value

The stronger the evidence that the other driver caused the crash, the stronger the third-party claim. Insurance adjusters evaluate liability evidence when deciding how much to offer in settlement. Juries weigh fault percentages when awarding damages at trial.

Florida’s Modified Comparative Fault Rule

Florida shifted from a pure comparative negligence system to a modified comparative negligence system effective March 24, 2023, through House Bill 837 (HB 837).

The practical effect is significant:

Your Fault Percentage Recovery Under Old Law Recovery Under HB 837
25% 75% of damages 75% of damages
50% 50% of damages 50% of damages
51% 49% of damages $0 — barred entirely
75% 25% of damages $0 — barred entirely

Under the old law, even a driver found 99% at fault could recover 1% of damages. HB 837 eliminated that. Now, if you are found more than 50% at fault, you recover nothing in a third-party lawsuit — regardless of how serious your injuries are.

Medical malpractice claims remain under a different standard and are exempt from this 51% bar.

This change made evidence gathering even more important. Insurance adjusters know the 51% threshold exists and may use it aggressively.

Evidence That Can Affect Fault

In any Miami car accident claim, the following evidence directly affects how fault is assigned:

  • Police crash report — the officer’s narrative and citations carry significant weight
  • Traffic camera and surveillance footage — Miami’s major corridors (I-95, SR-836, US-1) often have camera coverage
  • Witness statements — independent witnesses reduce a “he said, she said” dynamic
  • Vehicle damage patterns — the location and severity of damage can confirm or contradict accounts
  • Medical records — the type and location of injuries can support or undermine fault theories
  • Traffic citations — a citation for running a red light or improper lane change strengthens your claim

What To Do After a Car Accident in Florida’s No-Fault System

Your actions in the hours and days after a crash directly affect both your health and your legal options.

Call 911 and Report the Crash

Always call 911 after a crash involving injuries or significant vehicle damage. A police report creates an official, documented record of the incident — including any citations issued and the officer’s initial assessment of fault.

Get Medical Care Immediately

The 14-day PIP deadline starts at the moment of the accident, not when symptoms appear. Seeing a qualified provider as soon as possible accomplishes two things: it protects your PIP benefits, and it starts the medical record that links your injuries to the crash.

Do not dismiss soreness, neck stiffness, or headaches as minor. These are often the first signs of whiplash, herniated discs, or concussion — all of which can worsen without treatment.

Notify Your Insurance Company

You are required to report the crash to your own insurer to initiate a PIP claim. Under Florida Statute §627.736, PIP benefits are considered overdue if not paid within 30 days after the insurer receives written notice of a covered loss and the amount owed — subject to statutory exceptions.

Prompt reporting matters. Delays can give the insurer grounds to dispute the claim.

Do Not Give a Recorded Statement Without Understanding Your Rights

Insurance adjusters — including your own — may request a recorded statement. You are generally not required to give one. In cases involving serious injuries or disputed fault, providing a recorded statement without legal advice can harm your claim.

Adjusters are trained to identify statements that can reduce the insurer’s payout. If your injuries are significant or if fault is contested, speak with an attorney before agreeing to a recorded interview.

Speak With a Miami Car Accident Attorney Before Accepting a Settlement

Early settlement offers often arrive before the full extent of your injuries is known. A $5,000 or $8,000 offer may seem helpful during recovery — but if your injuries require surgery, extended rehabilitation, or cause permanent limitations, that amount will not cover the actual cost.

Once you sign a release, you generally cannot reopen the claim. Consulting with Miami personal injury lawyers before accepting any offer is one of the most important steps you can take to protect your financial recovery.

Common Problems With Florida PIP Claims

Most PIP claims do not go smoothly. Here are the disputes that come up most often — and what to understand about each one.

The Insurance Company Says You Missed the 14-Day Deadline

If the insurer claims you missed the deadline, the dates in your medical records matter. The precise date of your first treatment visit will be compared to the accident date. If records support timely care, the insurer’s denial may be contested.

The Insurer Says Your Injury Is Not an Emergency Medical Condition

Without an EMC determination, your medical benefits may be capped at $2,500. The diagnosis must come from a qualified provider — and the medical records need to reflect findings consistent with an EMC. If you believe the determination was incorrect or that the documentation was inadequate, legal review may identify grounds to challenge the limitation.

Your Medical Bills Exceed PIP Limits

When PIP runs out, the options include:

  • A third-party bodily injury claim against the at-fault driver (if they carry BIL coverage)
  • Your personal health insurance, which may include coordination-of-benefits with PIP
  • A letter of protection (LOP), allowing treatment on credit against a future settlement
  • Uninsured/underinsured motorist coverage, if the at-fault driver lacks sufficient coverage

An attorney can identify which options are available in your specific situation.

The At-Fault Driver Is Uninsured or Underinsured

Florida’s 26.7% uninsured driver rate makes this a routine problem. When the at-fault driver has no insurance — or minimal coverage — UM/UIM coverage becomes essential. If you carry UM/UIM, your own insurer steps into the at-fault driver’s shoes and may owe you compensation for damages beyond PIP.

An attorney can investigate all available insurance policies, including those covering the vehicle the at-fault driver was operating or any commercial policy that may apply.

The Insurance Company Offers a Fast, Low Settlement

Speed is a tactic. Early settlements save insurers money because they resolve claims before the injured person fully understands the extent of their injuries, future treatment needs, or long-term impairment.

Soft-tissue injuries, TBIs, and spinal injuries may not reveal their full impact for weeks or months. Accepting a settlement before that picture is clear can leave you responsible for costs that should have been covered.

How a Miami Car Accident Lawyer Can Help

Florida’s no-fault system involves PIP deadlines, EMC determinations, tort thresholds, comparative fault rules, and insurance policy interpretation — all at once. A Miami car accident attorney helps injured people navigate that complexity.

Identify Every Available Insurance Policy

After a crash, multiple policies may apply. A thorough investigation looks at:

  • The victim’s own PIP policy
  • The at-fault driver’s bodily injury liability coverage
  • Uninsured/underinsured motorist coverage
  • Commercial or employer policies (if the at-fault driver was working)
  • Rideshare company policies (Uber or Lyft, if applicable)
  • Umbrella coverage

Missing a policy means leaving money unclaimed.

Prove the Full Extent of Your Injuries

Serious injury claims require medical evidence. An experienced attorney works with treating physicians and independent medical experts to document:

  • Current diagnosis and treatment needs
  • Future care requirements and associated costs
  • Permanent impairment ratings
  • Impact on earning capacity

This documentation supports both settlement negotiations and trial presentation.

Handle Insurance Company Disputes

When insurers deny claims, dispute EMC determinations, or delay payment, legal representation changes the dynamic. Florida Statute §627.736 imposes obligations on insurers, and an attorney experienced in insurance litigation can hold carriers accountable when those obligations are not met.

Pursue Compensation Beyond PIP When Available

For serious injuries that meet Florida’s tort threshold, a complete claim may include:

  • Unpaid medical expenses beyond PIP limits
  • Future medical care costs
  • Full lost income and loss of earning capacity
  • Pain and suffering
  • Permanent impairment
  • Wrongful death damages for surviving family members

Why Choose Jimenez Mazzitelli Mordes After a Miami Car Accident?

If you were injured in a car accident in Miami, we invite you to schedule a free case consultation with our team at Jimenez Mazzitelli Mordes. Our firm has recovered millions of dollars for accident victims across Miami-Dade County, including verdicts and settlements in car accidents, medical malpractice, premises liability, and nursing home negligence cases.

Here is what sets us apart:

  • Proven trial results. Our track record includes a $1.7M premises liability trial verdict, a $1.65M medical malpractice settlement, a $1.44M Gulfstream jet litigation verdict, and a $1.1M nursing home negligence verdict.
  • Award-winning attorneys. Our legal team holds recognition from Super Lawyers, Florida Legal Elite, and the Multi-Million Dollar Advocates Forum.
  • No fees unless we win. All personal injury cases are handled on a contingency fee basis — you pay nothing unless we recover compensation for you.
  • Bilingual representation. We serve English and Spanish-speaking clients across Miami’s diverse communities.
  • Local knowledge. We understand Miami roads, local courts, and the insurance tactics used in South Florida.

We serve clients throughout Miami, Coral Gables, Brickell, Miami Beach, Coconut Grove, Kendall, Doral, Hialeah, Aventura, Homestead, Little Havana, Key Biscayne, and all of Miami-Dade County — as well as Broward County, Palm Beach County, and the Florida Keys.

Call (305) 548-8750 or contact us online to schedule your free, confidential case evaluation. You focus on recovery. We focus on results.

Frequently Asked Questions

What does no-fault insurance mean in Florida?

No-fault insurance means that after a car accident, each injured person files a claim with their own insurance company — regardless of who caused the crash. Florida requires Personal Injury Protection (PIP) coverage of at least $10,000. PIP pays 80% of medical expenses and 60% of lost wages up to the policy limit, without requiring proof of fault.

Does Florida’s no-fault system prevent me from suing the other driver?

Not entirely. Florida law allows lawsuits against at-fault drivers when injuries meet the serious injury threshold — permanent injury, significant permanent loss of a bodily function, significant permanent scarring or disfigurement, or death. For injuries that do not meet that threshold, recovery is generally limited to PIP benefits.

How long do I have to file a PIP claim in Florida?

You must seek initial medical treatment within 14 days of the accident to qualify for PIP benefits. To preserve your right to file a lawsuit against the at-fault driver, Florida’s statute of limitations (as of March 2023, per HB 837) gives you two years from the accident date.

What happens if my medical bills exceed my $10,000 PIP limit?

When PIP is exhausted, other options include a third-party claim against the at-fault driver’s bodily injury liability coverage, your personal health insurance, uninsured/underinsured motorist coverage, or a letter of protection arrangement with your medical provider. An attorney can identify which sources are available for your specific case.

What is the 51% rule in Florida, and how does it affect my accident claim?

Under HB 837 (effective March 24, 2023), Florida uses a modified comparative fault system. If you are found more than 50% responsible for the accident, you are completely barred from recovering any damages in a lawsuit against the at-fault driver. If you are 50% or less at fault, your compensation is reduced by your fault percentage.

Can an uninsured driver still receive PIP benefits in Florida?

No. PIP benefits require a valid PIP policy. Florida law requires all registered vehicle owners to maintain PIP coverage. Drivers without PIP cannot receive those first-party benefits. However, they may still have some legal exposure to third-party claims depending on the circumstances.

What is the difference between an Emergency Medical Condition and a non-emergency under Florida PIP?

An Emergency Medical Condition (EMC) is one in which the absence of immediate medical attention could reasonably result in serious harm to health, serious impairment of bodily functions, or serious dysfunction of a body organ or part. With an EMC determination, PIP medical benefits are available up to $10,000. Without one, medical reimbursement under PIP is limited to $2,500.

Does Florida PIP cover me if I was a pedestrian hit by a car?

It depends. If you have your own auto insurance policy with PIP, your policy generally applies first. If you do not have your own auto insurance, PIP from the vehicle that struck you may be available, subject to policy terms and statutory conditions. Consulting a Miami car accident attorney can clarify coverage in pedestrian accident situations.

Do I need an attorney for a PIP dispute with my own insurance company?

You are not required to have an attorney, but disputes over PIP benefits — particularly EMC determinations, denied claims, or delayed payments — can involve complex statutory arguments. Florida Statute §627.736 imposes specific obligations on insurers, and an attorney familiar with insurance litigation can help enforce your rights when the insurer does not comply.

What should I do if the at-fault driver in Miami had no insurance?

Florida’s high uninsured driver rate (approximately 26.7%) makes this a common situation. If you carry Uninsured Motorist (UM) coverage, your own insurer may compensate you for damages beyond PIP. An attorney should investigate all possible insurance sources, including any commercial policies that may cover the at-fault driver, rideshare company coverage, or umbrella policies.

Your Next Step After a Miami Car Accident

Florida’s no-fault system protects drivers up to a point — but $10,000 in PIP rarely covers the full cost of a serious crash. Between the 14-day treatment deadline, the EMC determination, the tort threshold, and the 51% comparative fault bar introduced by HB 837, accident victims face multiple rules that can reduce or eliminate their recovery if not handled correctly.

Miami-Dade County recorded nearly 60,000 crashes in 2024 (FLHSMV). Those crashes produced over 29,000 injuries. The road to fair compensation after one of those crashes requires more than a PIP claim — it often requires a strategic legal approach that accounts for every available source of coverage and every element of damages.

At Jimenez Mazzitelli Mordes, we provide aggressive, client-focused representation for accident victims throughout Miami and South Florida. Our attorneys have decades of combined experience in personal injury litigation, insurance disputes, and trial advocacy. We have recovered millions for clients, and we work on a contingency fee basis — meaning no upfront costs and no fees unless we win your case.

Contact us at (305) 548-8750 or schedule your free consultation online. We serve clients in English and Spanish, and we are available to review your case at no cost or obligation.