Looking for guidance with your post-accident process?
In Miami, the crash is only the first collision. The second one starts a day later, when an adjuster calls, asks for a recorded statement and, if you file for PIP, maybe schedules an examination under oath. A Miami car accident lawyer handles that second fight so you don’t have to. One free call to 1-800-VINCENT connects you with one, plus an accident doctor, in English or Spanish.
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What should I expect from the insurance company after a car accident in Miami? A fast call, often within a day, and a request for a recorded statement. If you claim PIP, your insurer may also require an examination under oath or an independent medical exam, and claims get close review for fraud. None of that means you did anything wrong, but each step can hurt your claim if you go in unprepared. A car accident attorney in Miami handles every one.
A Miami car accident attorney reads the road as closely as the police report. These corridors each produce their own kind of crash:
| Road | The crash it’s known for |
|---|---|
| I-95 and the 95 Express lanes | High-speed lane changes and drivers cutting across the plastic poles into or out of the express lanes |
| SR-826 / Palmetto Expressway | Heavy merging, short on- and off-ramps and sudden slowdowns that cause rear-end chains |
| SR-836 / Dolphin Expressway | Airport and downtown traffic, lane drops and exit-only surprises |
| Florida’s Turnpike and the Homestead Extension | Long commutes, fatigue and high-speed rear-end crashes |
| US-1 / South Dixie Highway | Turning traffic, busy intersections and crashes near the Metrorail crossings |
| Brickell, Downtown and the causeways | Tourists, rideshare pickups, sudden stops and pedestrians stepping into traffic |
Heavy rain turns all of them slick in minutes. Hydroplaning and low-visibility crashes spike during summer downpours, and insurers often try to blame the weather instead of the driver who was going too fast for it.
South Florida insurers look hard at PIP claims. Expect some of these steps, and don’t face them alone:
| What the insurer may ask for | What it is | How your attorney handles it |
|---|---|---|
| Recorded statement | A taped interview about the crash and your injuries | Declines it for the other driver’s insurer; prepares you if your own policy requires it |
| Examination under oath (EUO) | A formal, sworn Q&A with a lawyer for your insurer, often required by the policy (§627.736) | Prepares you and can attend with you |
| Independent medical exam (IME) | An exam by a doctor the insurer picks | Tells you what to expect and challenges an unfair report |
| Special investigations review | A closer look at the claim for signs of fraud | Keeps your records clean and consistent so there’s nothing to question |
| Quick settlement offer | A check that closes the claim for good | Values the whole claim first, including future treatment |
| Your attorney handles | What it saves you |
|---|---|
| Your PIP claim with your own insurer | Paperwork, deadlines and denied-claim disputes |
| Negotiating with the at-fault driver’s insurer | A lowball offer that doesn’t cover what’s coming |
| Collecting evidence: police report, traffic and business video, witnesses | Evidence that disappears within days |
| Calculating the full claim: medical bills, lost wages, pain and suffering | A settlement that ignores future treatment |
| Every call with every adjuster | Statements that can be used against you |
| Filing a lawsuit if the insurer won’t pay fairly | Missing Florida’s 2-year deadline (§95.11) |
| Coordinating with your doctors | Disorganized records that weaken your case |
No honest lawyer can give you a number on the first call. A Miami car accident claim is valued on five things:
For how Florida’s no-fault system and the injury threshold work in detail, see our Florida car accident lawyer guide.
For the complete checklist, read 7 steps to take after a car accident.
Miami has no shortage of clinics. What matters is one that documents your injuries properly and works with your attorney from day one. 1-800-VINCENT connects you with an accident doctor and a car accident attorney in Miami in the same call, so your medical record and your claim move together. Many providers can treat you on a letter of protection, with nothing out of pocket while the case is open.
Hurt on a bike instead? See our Miami bicycle accident lawyer page. Not sure what kind of case you have? Start with our Miami personal injury lawyers page. Crashed just north of the county line? We also cover Hollywood car accidents.
If your policy requires it, refusing can put your PIP benefits at risk, since Florida law requires insureds to comply with policy terms, including examinations under oath. But you shouldn’t go alone. A Miami car accident attorney prepares you and can attend with you.
Be careful. Soliciting accident victims for treatment or claims can be illegal in Florida, and lawyers face strict limits on contacting victims soon after a crash. You get to choose who you call. Calling 1-800-VINCENT is your decision, not a cold call.
Although the lawyer and medical referral services provided by 1-800VINCENT are completely free of cost, the personal injury lawyers within the 1-800VINCENT network work on a contingency fee basis. This means that if you choose to hire the Miami car accident lawyer Vincent connects you to, the Miami injury attorney will charge a percentage of the settlement you receive after your case is won and you have been compensated. For additional information on attorney fees and payment, discuss the charges in detail with the Miami lawyer you are matched with before hiring them. Understanding the costs and fees of your attorney’s services will avoid any confusion in the future.
In the state of Florida, all vehicle owners are required to obtain a minimum amount of liability coverage. According to Florida’s Motor Vehicle No-Fault Law, all vehicle owners or registrants must carry a minimum of $10,000 of Personal Injury Protection (PIP) and of property damage liability (PDL). If a car accident occurs, your own auto insurance is responsible for covering the costs of your medical bills and property damage, up to the coverage limits of your auto insurance policy. If your injuries and damages have surpassed your limits, the at-fault driver’s insurance policy will be responsible for covering the remaining balance.
Although the state of Florida only requires a minimum of $10,000 in liability coverage, it is recommended that you purchase a car insurance policy that far exceeds the legal minimum. In the case that you are at-fault for a motor vehicle accident, the minimum insurance coverage will likely not be enough to cover your damages. A Miami auto accident attorney can clarify your insurance policy coverage and advise you of your coverage limits.
Determining the amount you are entitled to receive after an auto accident is a decision made by your car insurance company based on several factors, including:
Insurance companies are highly knowledgeable in determining the financial compensation you truly deserve based on the details of your case. However, the offers that they will give are often smaller than the amount they calculate. Just because you receive a settlement does not mean that you got the best results out of your case.
If you are unsure of how to determine the compensation you are entitled to, call 1-800VINCENT to be connected with an accident lawyer in Miami who will calculate the value you deserve and ensure that you receive only the maximum amount and nothing less!
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