Rear-end, T-bone, head-on, distracted-driving, and drunk-driving wrecks are the most common crashes on Broward roads — and Florida's no-fault rules make them harder to win than people expect. For 40 years, Robert DiStefano has fought these cases for South Florida drivers. Same-day, confidential case review. No fee unless we recover for you.
Most car crashes in Broward fall into a few patterns. A driver checks a phone and rear-ends the car ahead. Someone runs a yellow and T-bones you in an intersection. A drunk driver crosses the line late at night and hits you head-on. The damage looks simple. The claim is not.
Florida is a no-fault state, so your own car insurance pays first. Your Personal Injury Protection (PIP) coverage steps in for early medical bills no matter who caused the crash. But PIP runs out fast, it does not pay for your pain, and you can only go after the at-fault driver for the rest if your injuries cross a legal line called the permanent-injury threshold. On top of that, the insurer will try to pin part of the blame on you to cut what they owe.
That is the real fight in a car accident case: getting your care covered, proving your injury is serious enough to step outside no-fault, and beating back the "you were partly at fault" argument. The first days matter most — what you say to the adjuster, when you see a doctor, and what evidence gets saved early can decide the whole case. Talk to us before you give a recorded statement — the call is free.
These are the statutes that control whether you get paid, how much, and how long you have to act. The 2023 reform changed several of them, and most drivers have no idea.
Fla. Stat. § 627.736
Your Personal Injury Protection (PIP) coverage pays up to $10,000 in early medical bills and lost wages, regardless of fault — but only if you get treatment within 14 days of the crash. Miss that window and you can lose the benefit entirely. It is the most-missed deadline in Florida car accident law.
Fla. Stat. § 627.737
You can only sue the at-fault driver for pain and suffering if your injury crosses Florida's permanent-injury threshold — things like a permanent injury, significant scarring or disfigurement, or death. Proving your injury meets this bar is often the difference between a small PIP payout and full compensation.
Fla. Stat. § 768.81 amended 2023
Under Florida's modified comparative negligence rule, if the insurance company convinces a jury you were more than 50% at fault, you recover nothing. Below that line, your recovery is reduced by your share of blame. Expect the adjuster to push your fault as high as they can.
Fla. Stat. § 95.11(4)(a) amended 2023
The 2023 reform (House Bill 837) cut the statute of limitations for most car accident injury claims from four years to two years from the date of the crash. Wait too long and the court can throw out even a strong case. The clock is already running.
This page provides general information about Florida law and is not legal advice. Statutes and case law change; your specific case requires a consultation.
A car accident case is local. The road, the intersection, and the time of day all shape who is to blame. Here is where we see Broward drivers get hurt.
Forty years on these roads means we know which intersections the cameras cover and how a Broward jury sees a rush-hour wreck.
At a lot of firms, your case gets handed to a case manager and you barely speak to a lawyer. That is not how we work. Robert DiStefano has practiced Florida personal injury for more than 40 years, and he is the one who reviews your crash, deals with the insurer, and decides strategy.
You pay nothing up front. We take car accident cases on contingency — no fee unless we recover for you — and the first case review is free. See related case results →
Call or send the form. We answer your questions and give you a candid assessment of whether you have a case — same day, at no cost to you.
We get your treatment on record, lock down the crash evidence, and handle the adjusters so you do not say something that hurts your case.
We push past the PIP minimum, prove your injury crosses the threshold, and beat back the fault argument — in settlement or at trial.
Hurt in a different kind of wreck? We also handle truck accident claims and Uber and Lyft accident cases, which follow different insurance rules.
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Taravia Google
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“I had a wonderful experience with Robert! He fought hard for me and kept me in the loop the whole time. The whole office is just great!”
Paulavia Google
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“Mr. DiStefano is the best! Kept me up to date with everything, and his paralegal Michelle also kept us informed. Happy with my settlement — I highly recommend him.”
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