Don’t Let an Accident Stall Your Future.

A car accident happens in a split second, but the consequences—medical debt, lost income, and chronic pain—can last a lifetime. In Florida, the “No-Fault” system is often misunderstood by victims, leading them to believe they are limited to just $10,000 in PIP benefits.

At Pena Law Group, P.A., we look beyond the basics. We investigate the crash, preserve black-box data, and hold negligent drivers accountable for the full scope of your damages. Whether you were rear-ended on I-4 or hit by a distracted driver in a residential neighborhood, we provide the “Power and Protection” you need to recover.

Car Accident Cases We Handle

We provide comprehensive legal support for all types of motor vehicle collisions, including:

  • Rear-End Collisions: Often resulting in whiplash, spinal disc herniations, and long-term neck pain.
  • High-Impact Highway Crashes: Handling the complex debris fields and high-speed impact data of major interstate accidents.
  • Distracted Driving: Holding drivers accountable for texting, eating, or using apps while behind the wheel.
  • DUI & Impaired Driving: Pursuing maximum justice—and potentially punitive damages—against those who choose to drive under the influence.
  • Intersection & T-Bone Accidents: Proving fault in complex “he-said, she-said” light sequence disputes.

“Florida law has changed, and the window to file a claim has been cut in half. If you wait to seek legal help, you aren't just losing time—you're losing the evidence we need to win.”

— Ashley C. Pena, Esq.

Frequently Asked Questions

How long do I have to file a car accident lawsuit in Florida?
Under current 2026 Florida law, you generally have only two years from the date of the accident to file a negligence lawsuit. This is a significant change from the old four-year rule. If you miss this deadline, your right to seek compensation is gone forever.
What is the "14-Day Rule" for medical treatment?
To access your $10,000 in Personal Injury Protection (PIP) benefits, you must seek medical treatment within 14 days of the accident. If you wait until day 15, the insurance company can legally deny your medical coverage entirely.
Can I still recover money if the accident was partially my fault?
Florida now uses a Modified Comparative Negligence system. You can recover damages as long as you are 50% or less at fault. However, if you are found to be 51% or more responsible for the crash, you are barred from recovering any compensation from the other driver. This makes proving the other driver’s negligence more critical than ever.
What if the other driver doesn't have insurance?
Unfortunately, many Florida drivers are uninsured or underinsured. In these cases, we look to your own Uninsured Motorist (UM) coverage. If you have UM, your own insurance carrier “steps into the shoes” of the at-fault driver to pay for your pain and suffering.