You Focus on Healing. We Take on the Insurance Giants.

In Florida, the “No-Fault” system and PIP (Personal Injury Protection) insurance are designed to be complex. Insurance adjusters are trained to contact you immediately after a crash, hoping to catch you while you’re vulnerable and settle your claim for pennies on the dollar.

At Pena Law Group, P.A., we step between you and the insurance company. We handle the heavy lifting of litigation so you can focus on your physical recovery.

Comprehensive Representation for All Motor Vehicle Collisions

Not every car accident is the same. We provide specialized legal strategies for:

  • Rear-End & Side-Impact Collisions: Often resulting in long-term whiplash, spinal disc herniations, and soft-tissue damage.
  • Distracted & Impaired Driving: Holding negligent drivers accountable for texting, speeding, or driving under the influence.
  • Commercial Truck & Semi-Crashes: Navigating the massive insurance layers and federal regulations unique to the trucking industry.
  • Rideshare Accidents (Uber/Lyft): Deciphering which insurance policy applies when a driver is “on the clock.”
  • Uninsured/Underinsured Motorists (UM): Protecting your rights when the at-fault driver has little to no insurance coverage.

“The insurance adjuster is not your friend. Their job is to protect their company's bottom line. My job is to protect yours.”

— Ashley C. Pena, Esq.

What to Do Immediately After a Florida Car Accident

Call 911: Ensure an official police report is filed. This is a critical piece of evidence.

  • Seek Medical Attention Within 14 Days: In Florida, if you don’t seek treatment within 14 days, you may lose your right to PIP benefits.
  • Document the Scene: Take photos of vehicle damage, road conditions, and the other driver’s license and insurance.
  • Do Not Give a Recorded Statement: Before speaking to any insurance adjuster, consult with a qualified attorney.

Frequently Asked Questions

I feel fine after my accident. Do I still need to see a doctor?
Yes. Adrenaline often masks pain immediately following a crash. Many serious injuries, such as internal bleeding or spinal disc issues, don’t show symptoms for days or even weeks. Furthermore, Florida law requires you to seek medical care within 14 days to preserve your insurance benefits.
The other driver’s insurance company called me for a statement. Should I talk to them?
No. You are not legally required to provide a recorded statement to the other driver’s insurance company. Anything you say can and will be used to reduce the value of your claim. Redirect all insurance inquiries to your attorney at Pena Law Group.
How much is my car accident case worth?
Every case is unique. The “value” depends on several factors: the severity of your injuries, the cost of past and future medical care, lost wages, and the amount of insurance coverage available. During your free consultation, we will evaluate these factors to give you a realistic outlook.
What if the other driver doesn't have insurance?
Florida has a high rate of uninsured drivers. If you have “Uninsured Motorist” (UM) coverage on your own policy, we can file a claim against your own carrier to cover your damages. We will review your policy to identify every possible source of recovery.