How is car total loss determined?

When determining whether a car is a total loss after an accident, two common methods are used. The Total Loss Formula (TLF) adds the car’s repair costs to its salvage value; if that sum meets or exceeds the car’s actual cash value, it’s a total loss. The Total Loss Threshold (TLT) declares a total loss when repair costs reach a set percentage of the vehicle’s value. Florida uses an 80% threshold. If your car is declared a total loss, the insurer should pay its actual cash value — and we can help if their offer falls short.

Should I file a claim after a car accident in St. Petersburg?

Yes, if you suffered any injury or property damage, filing a claim protects your legal rights. The most common reason people file is to cover obvious medical bills, but there are many other recoverable losses, including lost wages, future medical care, and pain and suffering. Florida's no-fault system requires you to first file a PIP claim with your own insurer, and if your injuries are serious... read more?

How can a car accident lawyer help me, and is it necessary?

Experienced St. Petersburg injury attorneys know the tactics insurance companies use to minimize payouts, even when there is substantial coverage. A quality attorney navigates the laws surrounding settlement negotiations, handles the paperwork and deadlines, gathers evidence, and stands up to the insurance company on your behalf. While you are not legally required to hire an attorney,... read more?

What factors can impact my car accident claim in St. Petersburg?

One of the most important services our St. Pete car accident lawyers provide is a meticulous understanding of what Florida law permits in a claim. Factors that influence how much you may recover include the available limits of your own policy and the at-fault party's policy, the severity and permanency of your injuries, your total medical expenses and lost wages, the strength of the liability... read more?