What people ask after a Stuart crashClear answers before you make the next decision
These are the questions that often matter before a statement, release, repair decision, or settlement changes the path of a claim.
Should I talk to the other driver’s insurance company?
You may need to report basic facts, but you do not have to guess about your injuries or give a broad statement just because an adjuster asks. The safest response depends on who is calling, which policy applies, and what information is actually required.
What if my pain did not start until later?
Some symptoms become clearer after the first hours or days. Get appropriate medical care, explain when the symptoms began, and do not minimize a change just because it was not obvious at the scene. PIP’s 14-day rule can also affect medical benefits.
Who pays my medical bills while the claim is pending?
PIP may pay qualifying benefits first. Health insurance, medical-payment coverage, liens, and the liability claim can also affect how bills are handled. The answer depends on the policies, providers, and facts of the crash.
What if the insurer says I caused part of the crash?
A fault accusation is not the final word. Florida’s modified comparative fault law can reduce damages based on assigned fault and generally bars recovery when a party is found more than 50 percent at fault in covered negligence actions. Evidence should be reviewed before accepting the insurer’s percentage.
What if the driver left or had no insurance?
Report a hit-and-run promptly and review every available policy. Uninsured or underinsured motorist coverage, household policies, employer coverage, or another responsible party may affect the options. Coverage language matters.
How long do I have to bring a Florida car accident claim?
Florida generally gives two years for an action founded on negligence, but the correct deadline can change with the parties, date, claim type, notice requirements, and other facts. Evidence can disappear well before a lawsuit deadline, so timing should be reviewed early.