The Villages Car Accident Lawyers
Spanning parts of three different counties in Florida, The Villages is home to busy shopping and entertainment centers, as well as quiet neighborhood streets. With active residents traveling to numerous retirement activities, you may end up suffering injuries after an automobile crash. To make sure you take the right path for recovering compensation, it helps to work with a law firm that offers experienced The Villages personal injury lawyers.
At Chubb Law Accident & Injury Attorneys, you can speak with our personal injury lawyers serving all of Florida during a free consultation. We answer your questions and offer our best recommendations for how to handle your case. Our car accident law firm will work diligently to reach the best possible outcome for your situation.
What You Need to Know About Car Accidents in The Villages
What is unique about The Villages is the number of both standard vehicles and golf carts that populate its many roadways. Drivers may become too comfortable with their everyday routes, potentially overlooking traffic laws that could result in collisions. When you get hurt, our auto accident lawyers are ready to untangle the details and present your case.
Understanding Car Accidents in Sumter, Marion, and Lake Counties
Here is crash data from the Florida Department of Highway Safety and Motor Vehicles (FLHSMV)’s annual traffic crash facts report for 2024:
- Sumter County: 1,686 accidents with 1,304 injuries and 21 deaths
- Marion County: 6,532 accidents with 4,959 injuries and 114 deaths
- Lake County: 5,579 accidents with 4,555 injuries and 51 deaths
Sumter County contains the largest portion of The Villages, so we will concentrate on that area next.
Sumter County Car Accident Statistics
The FLHSMV Crash Dashboard provides daily updates on traffic crashes in Florida. For 2025, our auto accident law firm observed that Sumter County reported the following statistics:
- Total crashes in Sumter County in 2025: 1,756
- Total fatal crashes: 30, with 31 deaths
- Total injury crashes: 916, causing 1,431 injuries
- Total hit-and-run crashes: 300 with 1 death and 101 injuries
Recovering financial relief from insurance companies and at-fault drivers can be complicated, resulting in the need for experienced car accident law firms serving The Villages. When someone dies in a crash, their survivors can file wrongful death actions to seek justice with the help of a Florida wrongful death lawyer.
Key Legal Concepts in Car Accidents
As one of many The Villages car accident law firms in central Florida, we understand the difficulties of managing no-fault insurance claims and when you may be able to pursue payment from other parties. Your first step is claiming compensation from your own insurance policy, unless you suffer serious bodily injury, as described in Chapter 316.027 of the 2019 Florida Statutes.
This can give you the right to demand payment from those to blame when your auto accident lawyer files a personal injury lawsuit. This requires evidence demonstrating negligence by the other party as a direct cause of your injuries. Our The Villages auto accident law firm can take on this process so you can heal.
Legal Rights of Car Accident Victims in The Villages
If you have been hurt in a crash, your The Villages car accident attorneys will fight for your right to:
- Have your The Villages car accident lawyer handle all accident claims on your behalf.
- Gather evidence that your auto accident attorney can use to demonstrate negligence.
- File insurance claims with guidance from your The Villages auto accident lawyer.
- Ask your car accident lawyers to negotiate settlements for you.
- Follow the advice from your The Villages car accident attorney for filing a lawsuit.
We know you can choose from many auto accident law firms serving The Villages, but we want to be the ones you come to for help. Since 2021, we have used our insurance industry knowledge and negotiation experience to reach fair settlements for our clients. Your car accident attorney will educate you so you can make well-informed decisions based on your needs, and you are always in control of your case.
Damages You Can Recover in Car Accidents in The Villages
Florida requires all drivers to carry insurance for Personal Injury Protection (PIP) and Property Damage Liability (PDL). In most instances, you will use your PIP for medical costs, while you can use the other driver’s PDL for your vehicle damage expenses. If you qualify for a lawsuit, your The Villages car accident lawyer may be able to help you recover losses such as:
- Doctor bills
- Property damage
- Rehabilitation and therapy
- Lost wages
- Pet injury or death
- Pain and suffering
- Mental anguish
- Permanent disability
- Diminished quality of life
The car accident attorneys at Chubb Law will calculate the full value of your claim, including estimated future medical expenses. We identify all avenues for accident compensation and present powerful arguments to persuade other parties to meet our demands. While each case differs, we work to get what you deserve.
Insurance Coverage for The Villages Car Accidents
Under the no-fault system, you get a settlement faster when you use your own insurance for your injuries. Yet PIP only pays 80% of your necessary medical costs and 60% of lost wages. The minimum amount is $10,000, which may cover only a few of your bills. If you use the other driver’s PDL for your vehicle, the minimum is also $10,000, but a recent scan of new golf carts on The Cart Finder in the 32162 zip code shows starting prices around $14,600.
By working with a The Villages car accident attorney, you have the strongest chance of getting a higher settlement offer from the insurance company. You can also get advice about when it may be time to go to court for full payment of all your losses instead.
Common Types of Car Accidents We Handle in Sumter County
Our The Villages auto accident attorneys have a strong background in crashes resulting from rear-ending, head-on collisions, drunk drivers, sleepy drivers, distracted motorists, and road ragers. We can help you if you were T-boned, sideswiped, or forced into a rollover crash by another vehicle.
Suppose an angry driver thinks you are tailgating them and they brake-check you to “teach you a lesson.” Even if you are not following too closely, this unexpected stop could cause you to hit them from behind. Your car accident lawyer knows that you may not always be at fault in a rear-end crash and will help you push back against unfair claims against you that could reduce your settlement.
Common Causes of Car Accidents
By choosing Chubb Law over other The Villages car accident law firms, you are putting your case in the capable hands of an attorney with experience managing cases resulting from the following causes:
- Texting while driving (illegal in Florida)
- Drunk driving
- Ignoring traffic signs and laws
- Driving under the influence of illegal substances
- Speeding
We collect evidence, investigate your case, and reduce your stress. We research all laws and collaborate with experts to build the most powerful case we can for you.
What to Do After a Car Accident
Our The Villages auto accident lawyers suggest the following actions after a car crash:
- Call 911.
- Share your contact information with other drivers in the accident.
- Take photos of all injuries and property damage.
- Request contact details from witnesses.
- Talk to law enforcement about the collision.
- See the paramedics or your doctor for an evaluation.
- Call your PIP insurance provider.
Once you are safe, speak with a car accident lawyer at Chubb Law. We also advise that you go to the hospital after your crash for a full diagnosis. You could have injuries that do not appear until later. To firmly establish a connection to the accident, you need an immediate record of care.
The Cost of Car Accidents in The Villages
If you are older and already have medical conditions, the cost of a car crash in The Villages can go beyond the price tag of a hospital stay and a new vehicle. You could face an uncertain future full of pain and unexpected limitations, all because someone else was negligent and took risks behind the wheel.
Attorney Mitch Chubb focuses on helping those who are suffering from the careless actions of others. Recognized by The National Trial Lawyers Top 40 Under 40 for Florida and by Super Lawyers since 2022, Mitch knows you need financial acknowledgement of the way your accident has affected your life and the years to come.
The Car Accident Process in The Villages
Your auto accident attorney will follow this general process for preparing and managing your claim against a negligent driver:
Building a Strong Case for Your Car Accident
Your car accident attorneys will gather all relevant evidence, including your medical records and bills, photographs, witness statements, accident reconstruction analyses, dashcam or traffic videos, and police crash reports. This helps your lawyers prepare their approach and anticipate how the other side may respond to your claim.
Statute of Limitations
Because of recent changes to the Florida statute of limitations, you now have only 2 years to file a personal injury lawsuit, should you qualify. Insurance negotiations and collecting evidence to demonstrate serious bodily injury can take a substantial amount of time. You should choose from the available The Villages auto accident law firms right after your crash, to avoid running out of time and potentially losing the right to sue.
Establishing Negligence
Through evidence, your lawyer will demonstrate that the other party owed you a duty of care, but failed to uphold it. They can also establish a direct connection between that failure and your injuries, allowing you to seek damages. By showing how the other driver’s negligence caused you harm, your attorney can hold them financially liable for your medical and other bills.
No-Fault/Comparative Fault Content
In a no-fault insurance claim, you can submit your bills and negotiate with the company for your settlement without showing negligence. If you go to trial, the other side may use Florida’s comparative fault law against you. Under that law, you cannot request damages if you bear more than 51% of the blame. However, if you are assigned less than 50%, the percentage will reduce your settlement or jury award by the same amount.
Liability in The Villages Car Accidents
Many parties could be at fault in your car accident, meaning your car accident attorney can use the comparative/contributory fault law to hold each one accountable for their part. This might include car manufacturers, government agencies, road construction companies, or auto manufacturers.
We Answer Your Frequently Asked Questions About Car Accidents
Can my lawyer increase my accident compensation?
Yes, your attorney will make every effort to increase your injury settlement whenever possible. Doing so helps both you and your law firm in a contingency payment structure, since the attorney fees come from a percentage of your settlement.
Can I rely on regular communication with my attorney at Chubb Law?
We support our clients the way that works best for them, whether in person, over the phone, or by text. You get full access to your attorney whenever you have questions or worries, with direct access to your team.
What if I need help with another type of personal injury claim?
Sometimes, your car accident in The Villages is the fault of a defective auto part. If we can demonstrate that the manufacturer, seller, or distributor is to blame, our product liability lawyers can review and explain what to expect. We also offer help in many other practice areas, such as trip-and-falls, medical malpractice, and theme park accidents.
Why You Should Choose Chubb Law
At Chubb Law, we believe that service to our community is the foundation of excellent client representation. Our client testimonials bear witness to our diligence, integrity, and respect for those who come to us in need. We honor your concerns about cost by offering complimentary case reviews, along with contingency payment plans.
We only take claims we believe can be successful, so you do not pay until we secure compensation for you. You can trust that your The Villages auto accident attorney will make every effort to reach a satisfactory settlement as quickly as possible.
We Are Ready to Be Your The Villages Car Accident Law Firm
At Chubb Law Accident & Injury Attorneys, we know you are hurting and need an experienced professional to manage insurance and lawsuit paperwork so you can recover. When you contact us to arrange a free consultation with our auto accident attorneys serving The Villages, you can get the qualified legal support you need without adding to your injury costs. Let us get to work for you today.