Florida accident law, explained plainly
Blog
Written by our attorney for people in Pasco County who were just in a crash and want straight answers.
Step-by-step guide after a Pasco County crash: who to call, the 14-day PIP rule, how to get the FHP or Sheriff's Office report, and what not to tell insurers.
2026-10-15 · 6 min readWhy US-19 through Port Richey and Hudson is one of Florida's deadliest roadsUS-19 in Pasco and Pinellas was named Florida's deadliest road, with 150+ deaths since 2020. What the data says about Port Richey and Hudson and your claim.
2026-10-14 · 5 min readFlorida's two-year car accident deadline: what HB 837 changed and why waiting hurtsSince HB 837, most Florida car accident lawsuits must be filed within two years under Fla. Stat. § 95.11(5)(a). The exceptions, and why delay costs you.
2026-10-13 · 6 min readFlorida's PIP 14-day rule explainedFlorida PIP pays only if you get care within 14 days of a crash. What counts as treatment, the $2,500 non-emergency cap, and who decides an emergency.
2026-10-12 · 6 min readHow Florida's 51% rule can zero out your claimUnder Fla. Stat. § 768.81(6), you recover nothing if you are over 50% at fault for a Florida crash. Examples on SR-54 and US-19 and how to protect your claim.
2026-10-11 · 6 min readFlorida doesn't require bodily injury liability: why UM/UIM is the most important coverage you ownFlorida requires only $10,000 PIP and $10,000 property damage, not bodily injury coverage. Why UM/UIM coverage under Fla. Stat. § 627.727 matters most.
2026-10-10 · 6 min readHow to get a crash report in Pasco CountyHow to get your Pasco County crash report from FHP Troop C, the Pasco Sheriff's Office and the city police departments. Cost, timing and the 60-day rule.
2026-10-09 · 6 min readSR-54 and SR-52 crashes as Wesley Chapel and Land O' Lakes growWesley Chapel grew 47% in a decade and Pasco 20% since 2020. What that growth means for crashes on SR-54 and SR-52, and what to do if you were hurt there.
2026-10-08 · 6 min readShould I talk to the insurance adjuster after a Florida crash?What to say, and not say, to adjusters after a Pasco County crash. Recorded statements, early offers, HB 837's bad-faith changes and the 90-day tender rule.
2026-10-07 · 6 min readHit by an uninsured driver in Pasco County: your optionsAbout one in five Florida drivers is uninsured. If one hit you in Port Richey, Hudson or Wesley Chapel, here are your options: PIP, UM/UIM and more.
2026-10-06 · 6 min readHow much is my Pasco County car accident case worth?What decides the value of a Pasco County car accident claim: fault under the 51 percent rule, medical bills after HB 837, permanency and policy limits.
2026-10-05 · 6 min readSR-54 and Mitchell Ranch Road: Trinity's 129-crash intersection and what to do if you were hit thereFHP counted 129 crashes at SR-54 and Mitchell Ranch Road in Trinity since July 2022, and the promised signal is still unbuilt. What that means for your claim.
2026-10-04 · 6 min readI-75 crashes in Wesley Chapel: the interchanges, the trucks, and why an interstate claim is differentI-75 through Wesley Chapel: the SR-56 and Overpass Road diverging diamonds, the SR-54 and SR-52 exits, truck traffic, and why interstate claims are different.
2026-10-03 · 5 min readUS-301 and SR-52 crashes in Zephyrhills and Dade City: why east Pasco's rural roads hurt moreUS-301 through Zephyrhills and Dade City, the realigned SR-52 and the two-lane roads between them: why rural crashes are deadlier and how a claim works.
2026-10-02 · 6 min readPIP vs. health insurance after a Florida crash: who pays first, and who gets paid backAfter a Pasco County crash, PIP pays first, then MedPay, health insurance, Medicare or a letter of protection. How the order works and who is repaid.
2026-10-01 · 6 min readHit-and-run in Pasco County: what to do when the driver who hit you is gonePasco County logged 1,107 hit-and-run crashes in 2025 through mid-November. Penalties for leaving, how UM pays when the driver is never found, and what to do.
2026-09-30 · 6 min readUber or Lyft crash on the Wesley Chapel to Tampa commute: which insurance paysHurt in an Uber or Lyft on I-75, SR-56 or the way to Tampa International? Florida's rideshare law sets three insurance tiers. Which one applies, and who pays.
2026-09-29 · 6 min readMotorcycle season in Pasco County: the helmet law, no PIP, and how that changes your claimRiding season in Pasco brings 200 motorcycle crashes a year. Florida's helmet law, why PIP does not cover riders, and how insurers treat a motorcycle claim.
2026-09-28 · 6 min readOlder drivers and passengers in Pasco County: pre-existing conditions, Medicare and your injury claimIn Hudson, 42 percent of residents are 65 or older. How Florida law treats a crash claim with a prior condition, how Medicare is repaid, how bills are valued.
2026-09-27 · 7 min readThe first 72 hours after a crash in Pasco County: a printable checklistA printable hour-by-hour checklist for the three days after a Pasco County crash: the scene, the ER, the crash report, the 14-day PIP rule and insurers.