Orlando Car Accident Lawyers
After a car accident in the Orlando area, you need someone to help you overcome the challenges of holding the at-fault driver accountable. If you have a long, painful recovery ahead of you because someone was careless, you have the right to seek compensation for all losses resulting from the crash, including your missed income. To get the guidance you need, speak with the Orlando car accident lawyers at Chubb Law.
Our Orlando personal injury lawyers will meet with you in person or virtually to accommodate your schedule and listen to your circumstances during a free consultation. When we accept your case, we work diligently to secure a satisfactory settlement and keep you updated every step of the way. Put your trust in us for experienced, compassionate legal representation in Orlando.
What You Need to Know About Orlando Car Accidents
Florida welcomes millions of visitors every year, on top of the millions of residents who travel the road with you each day. Unfortunately, due to a number of factors, the chances of getting into a crash are relatively high. These may be caused by inattention, bad roads, inexperience, or driving under the influence. Let’s examine more details around what our auto accident lawyers think you need to know about car accidents in Orlando.
Understanding Car Accidents in Orange County
With major highways like I-4 and U.S. Route 441 funnelling vehicles into Orlando, you likely share the road with visitors who are more focused on finding their destination than driving carefully. According to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV), there were over 26,200 accidents in Orange County, with 172 deaths and 19,618 injuries during the most recent reporting year. Each crash represents someone who could have needed legal assistance in holding negligent drivers accountable.
Orange County Car Accident Statistics
The FLHSMV Crash Dashboard provides daily updates to traffic and accident statistics for all of Florida. After selecting Orange County, as of late November 2025, we find the following statistics:
- There were 22,041 total car accidents.
- Records show 10,852 serious injuries in these crashes.
- There have been 129 fatalities on Orange County roads.
- Primary factors involved in these accidents were lane departures and distracted driving.
- Accidents in intersections led to nearly 200 serious injuries and 22 deaths.
- Drivers between the ages of 25 and 34 were most likely to be in a collision.
The City of Orlando experienced 13,487 of the county’s total accidents, with 19 deaths and 264 serious injuries. As the injured party, you can file a claim with your insurance policy to pay for your medical bills, but if that is not enough, you may need to take more aggressive action. The Orlando auto accident lawyers at Chubb Law can examine your circumstances and advise you on what to do next.
Key Legal Concepts in Car Accidents
Hiring a well-respected and competent car accident attorney gives you a tremendous advantage compared to handling your claim on your own. Dealing with confusing paperwork and demanding insurance adjusters when you are hurting only adds to your stress, potentially slowing down your recovery. We explain what to expect, discussing the process for Florida accident claims.
Auto insurance in Florida is different from most states because we have no-fault insurance. Every driver must purchase and maintain personal injury protection (PIP) and property damage liability (PDL) policies. You use these to pay your medical costs and repair another person’s vehicle without having to show that the other driver was at fault.
While you get compensation faster than having to show fault, the settlement may not be enough if you have serious injuries, as defined by Florida Statutes. A serious injury includes “a physical condition that creates a substantial risk of death, serious personal disfigurement, or protracted loss or impairment of the function of a bodily member or organ.” This might include traumatic brain injury, paralysis, or suffering extensive burns.
Legal Rights of Orlando Car Accident Victims
You have the right to file for benefits against your PIP policy, to avoid paying out of pocket for your losses. However, if you only purchase the minimum required amount of $10,000 in PIP, you may have higher costs, such as your lost income and future medical care. If you file a claim against another driver’s PDL to cover your auto damage, you may face the same issue if their policy limits are lower than your expenses.
In those instances, you may be able to file a lawsuit to secure full financial relief. Whether you are pursuing an insurance claim or a personal injury case, you have important rights in Orange County, including the following:
- You have the right to speak with and hire an Orlando auto accident law firm to protect your interests.
- Your auto accident lawyer can investigate your case and gather evidence to support your claim.
- You and your car accident lawyer can negotiate with insurance adjusters for a fair settlement.
- You can use medical records, scans, bills, and other documentation to demonstrate a serious injury under Florida law, allowing you to file for full compensation from the defendant.
- Your Orlando auto accident attorneys can present your case in court and litigate for a settlement or jury award that meets your demands.
At Chubb Law, we have the background and skill to quickly assess the best approach for your case. We do not waste your time, and we will always be honest with you about what to expect. We also treat you with respect and compassion, updating you on the progress of your claim.
When Your Loved One Suffers a Wrongful Death in an Orlando Car Accident
Unfortunately, many auto accidents result in death, either immediately or as a result of the victim’s injuries. If you have lost a family member this way, our Orlando car accident attorneys are ready to help you through the wrongful death lawsuit process. The Florida Wrongful Death Act allows either the relatives or the Personal Representative for the deceased’s estate to file a lawsuit to pay for medical costs, emotional suffering, and loss of financial security.
Handling these matters when you are also injured can be overwhelming. At Chubb Law, we are here to ease that burden and fight for what you deserve.
Damages You Can Recover in Orlando Car Accidents
If you have the minimum coverage for PIP ($10,000), you can claim up to 80% of your medical expenses associated with your accident injuries and 60% of your lost income. PIP also provides a $5,000 death benefit to survivors if the policyholder dies in the crash. Purchasing more than the minimum amount allows you to recover more money, but the percentage limits still apply.
If your case qualifies as serious bodily injury, you could also file a claim on your personal health insurance or consider filing a third-party lawsuit against the at-fault driver. If successful, you may be able to secure the following damages:
- All medical bills, such as those for treatment in the ER and ICU
- Surgical costs and hospitalization
- Therapy and rehabilitation costs
- In-home nursing care
- Travel costs for medical appointments
- Home renovations to accommodate your recovery
- Prescription and over-the-counter medications
- Lost income, retirement savings, and other benefits
- Lost earning potential
You may also seek non-economic losses, such as permanent disability, loss of society, isolation, embarrassment, diminished quality of life, emotional distress, and mental anguish. All these address the pain and suffering you must endure because the other driver was negligent behind the wheel. Your Chubb Law auto accident attorneys will calculate the total value of your case and strive to obtain the settlement you need.
Limitations on Punitive Damages
While Florida law does allow you to seek compensation through legal action against a driver or their insurance provider, it does not permit courts to award punitive damages. These are meant to harshly punish the defendant and are common in product liability or other types of cases.
Insurance Coverage for Orlando Car Accidents
Along with your mandatory PIP and PDL policies, you may also choose to purchase uninsured/underinsured motorist (UM/UIM) coverage to help pay for losses in a crash where the other driver does not have any insurance. It can also cover hit-and-run accidents.
Another option for repairing your own vehicle is to pay for optional collision and comprehensive policies. Collision coverage pays for damage to your car on top of your PDL policy, and comprehensive coverage is useful for instances beyond auto accidents. Florida is prone to hurricanes, flooding, and high winds, and comprehensive coverage will pay for unexpected events resulting from these conditions.
Common Types of Car Accidents We Handle in Orange County
At Chubb Law, our Orlando car accident lawyers collaborate on every case, meaning you get the advantage of our full team’s experience on every type of auto accident claim. By working together, we can be a car accident law firm that helps you with any of the following situations:
- A driver t-bones your car after breezing through a stop sign.
- A drunk driver sideswipes you on International Drive.
- A distracted motorist violating Florida’s Hands-Free Law rear-ends you at a stoplight.
- An uninsured driver hits your parked car and flees the scene.
- An aggressive motorist brake-checks you, causing you to crash into them.
- A careless driver cuts across several lanes to take an exit, leading to a multi-car pileup involving your vehicle.
Depending on your injuries, you may have the right to file an insurance claim or pursue a lawsuit for accident compensation. We are there for you, backed by results that showcase our commitment to the vulnerable and injured. Your Orlando auto accident lawyer at Chubb Law dedicates all their skills and knowledge to your complete physical, emotional, and monetary recovery.
Common Causes of Car Accidents
A search of the FLHSMV Crash Dashboard shows that the most common causes of car accidents come down to human error and carelessness. In our experience, these include factors such as:
- Drivers who drift out of their lane
- Failing to follow traffic laws at intersections
- Getting on the road when drowsy or fatigued
- Disobeying traffic signs and rules
- Driving while drunk or impaired
- Driving while distracted
- Engaging in aggressive driving or road rage
- Speeding or driving recklessly
- Leaving objects on the road
- Failing to install or repair vehicles correctly
- Manufacturing defective tires or other auto components
If you have the grounds to file a personal injury lawsuit against another party, your auto accident attorney can help you identify those responsible. This may include the driver who struck you, but it could also include others on the road, repair shops, homeowners who fail to trim landscaping bushes, or even an auto manufacturer. No matter who hurt you, we will help you craft a claim based on your unique circumstances.
What to Do After a Car Accident
Here are recommendations from an Orlando auto accident attorney for what to do after your crash:
- Call 911 if you are able or ask someone to call for you.
- Check other drivers to see if they are OK.
- Exchange contact information with anyone else involved in the accident.
- Take photos of your injuries, property damage, and anything related to the crash.
- Speak to the police and explain your side of the story.
- Ask medical first responders for an evaluation to discover if you need to go to the hospital.
- Ask any witnesses for their contact details.
- Notify your PIP and PDL insurance providers about the collision.
- See your doctor for a follow-up examination.
Once you are back home, you can proceed with submitting the paperwork for your insurance claims. If you believe you are seriously injured and may qualify for a lawsuit, contact an auto accident attorney at Chubb Law to discuss your options. By collecting vital evidence at the accident scene and seeking medical attention, you strengthen your case for full compensation.
The Cost of Orlando Car Accidents
Car accident costs go beyond just the value of your medical care and auto repairs. You will likely take at least a few days off work to recover, which may mean you take home less pay. If you suffer broken bones, burns, or other severe conditions, you could be out of work for weeks, putting promotions or bonuses at risk.
You may miss accruing paid time off (PTO) and retirement savings matches from your employer. You could also end up disabled and unable to return to your previous career, resulting in a decrease in future earning potential. Your health insurance premiums could increase, adding to your expenses, all because a negligent driver made bad choices and hit you.
The Car Accident Process in Orange County
Although your situation will be unique to your circumstances, there is a general process for car accident claims that most clients will follow. Your auto accident attorney at Chubb Law will explain the steps once we accept your case and answer any questions you have along the way.
Building a Strong Case for Your Car Accident
Your car accident attorneys will begin by gathering additional evidence, such as videos from traffic cameras, police crash reports, cell phone data, and other materials that could show what happened. This is especially important if you are filing a lawsuit against another driver, since you must demonstrate negligence and fault in court.
Statute of Limitations
You should contact an Orlando car accident lawyer as soon as possible after your crash, since there is a time limit for filing a lawsuit. In Florida, you only have two years to seek compensation through the court system, under the state’s statute of limitations. By speaking with a lawyer quickly, you allow them the time they need to build a powerful case on your behalf.
Establishing Negligence
While a PIP claim does not require you to show fault, the process of establishing the other driver’s negligence is mandatory in court. Your evidence and arguments must demonstrate how the other party owed you a duty of care to drive safely, yet they failed in that duty. You must also show how their actions directly led to your injuries and present documentation of your associated damages.
No-Fault/Comparative Fault Content
When you choose to file a lawsuit, you expose yourself to the risk of comparative fault, where the other party tries to show that you are partly to blame for the crash. If the court assigns partial fault to you, it will also reduce your settlement by the same amount. For example, if you are 20% at fault, you get 20% less of what you receive under Florida law.
Liability in Orlando Car Accidents
In a court case, you have the right to hold all liable parties accountable, which may include more than a single motorist. You may be able to identify parties such as additional drivers, homeowners, property owners, government agencies, auto manufacturers, and others whose actions contributed to your crash. Your Orlando car accident lawyer will manage this process for you.
Why You Should Choose Chubb Law
Beginning in 2021, we have worked to represent those who are vulnerable after being hurt by negligent drivers. We have built our success on 8 promises to every client, standing up to big insurance companies and those who would refuse to pay what you deserve. We select cases we believe we can win, giving you the confidence to proceed.
We make it easy for you to get the aggressive legal support you need by offering a contingency payment plan, meaning you do not pay us until we secure a settlement or jury award for you. This approach has resulted in our 99.9% success rate, backed by compelling client testimonials from those we have served. You have nothing to lose by scheduling a complimentary case review with one of our Orlando car accident attorneys to discover how we could help you.
We Answer Your Frequently Asked Questions About Car Accidents
What is my Orlando car accident case worth?
Each case will have different circumstances and costs, even some you might overlook. Your auto accident law firm has the experience to investigate your case and help you identify potential expenses you can claim. For example, you may include lost income, bonuses, travel expenses for medical treatment, as well as your pain and suffering.
When you arrange your free case review, we can provide an estimate of the potential value and adjust it as we gather more information.
Do I really need to see a doctor after my Orlando car crash?
We advise every client to get a full medical examination after any car accident. Even a minor fender bender could make an existing condition worse or cause injuries that paramedics may miss at the accident scene. When you see your physician within 24-72 hours, you can establish a direct link between the collision and any injuries your doctor diagnoses.
This gives your case a firmer foundation, especially if your injuries worsen as time goes by. Otherwise, the insurance company may deny your claim by insisting that your condition resulted from another cause.
How can I maximize my car accident settlement amount?
When someone else has caused you harm, you have the right to seek full compensation for any expenses associated with the result of their actions. Doing so requires close attention to detail, collecting evidence, and negotiating powerfully with the insurance company or opposing attorney. If you do not have experience in these activities, it is smart to hire an Orlando auto accident law firm to manage these matters for you.
Your attorney can recognize when the other party could provide more and when to accept an offer. They will work in your best interests, especially if you may need future medical care after the claim settles.
Trust Chubb Law as Your Orlando Auto Accident Law Firm
Instead of paying too much out of pocket when the other party could be held liable, contact us for a free consultation to discuss your case today. We manage the hard work of settling your claim while you concentrate on getting better and putting your life back in order. Get started with our dedicated Orlando car accident lawyer now.
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