Delray Beach Car Accident Lawyer

Damages Available After a Florida Car Accident

Watch the video below to hear Delray Beach car accident attorney Andrew Nordon explain what kinds of damages are available in a Florida car accident case and why full compensation goes far beyond medical bills:

After a crash, the stress isn’t only physical. You may face weeks or months of disruptions across your entire life. Florida law allows injured drivers to recover compensation for several types of damages, including:

• Medical expenses (past and future);
• Lost income or decrease in future earning ability;
• Pain and suffering, including emotional distress;
• Property damage or vehicle loss; and
• Out-of-pocket expenses like co-pays, home accommodations, or travel for treatment.

It’s easy to miss certain damage categories when filing alone. That's how insurance companies reduce payout amounts. Our Delray Beach car accident attorneys take a detailed, evidence-backed approach to ensure nothing is left out, or left up to the insurer to define.

Proven Results from Real Crash Victims

Legal skill often makes the difference between getting a fraction of what you deserve—or setting yourself up for long-term recovery. Osborne & Francis has secured major victories for Florida clients across a variety of crash types:

$7.5 Million Recovered

A passenger heading home from work was stopped at a red light when a commercial vehicle rear-ended their pick-up at a high rate of speed. The crash caused multiple brain hemorrhages, fractures, and loss of consciousness.

$985,000 Recovered

A driver in a sedan was sideswiped during a lane change. They underwent neck and back fusion surgeries and experienced lasting physical limitations. Minor property damage was involved, but the physical toll told the real story.

We fight hard to uncover the full scope of each client’s losses—injury, income, future ability, and peace of mind—so nothing is left up to chance or omitted from settlement talks.

What to Do Before You Give a Recorded Statement

After a collision, you're often still foggy, sore, or just trying to function through the shock. That’s when an insurance representative may call and ask for your version of what happened—"just a quick statement," they’ll say.

It sounds harmless. It’s anything but.

Those statements get recorded. Insurance adjusters often ask leading questions, hoping for small inconsistencies or admissions like:

• “I’m doing okay.”
• “I’m not sure if I went into the next lane.”
• “Maybe I didn’t brake fast enough.”

Even small, unintentional comments can be used to reduce or deny your claim.

You are not required to provide a recorded statement to the other driver's insurance company. Speaking with a Delray Beach car accident lawyer first protects your rights and ensures no detail is used to undermine your recovery.

Have you already spoken with insurance? Worried your statement will be twisted? Call a car accident attorney in Delray Beach at (561) 293-2600 or fill out our online form for help protecting your case before it goes any further.

When the Crash Gets Complicated

Insurance claims may sound straightforward in theory—car gets hit, bills get paid. In reality, they rarely go that way.

Multiple levels of coverage, commercial involvement, vehicle ownership disputes, and location-specific challenges turn many Delray Beach car accident cases into uphill battles. 

That’s where having experienced legal counsel matters most.

We've handled cases involving:

• Commercial or employer vehicles,
• Multiple-party involvement,
• Questionable signage or faulty road design, and
• Out-of-state drivers and insurers.

Every detail, from police reports to property damage photos, can influence how liability gets assessed.

As Delray Beach car accident attorney Greg Francis explains:

"Most accident victims don’t realize how fast the insurance company starts building a case against them. From the moment the crash happens, adjusters begin looking for ways to reduce or deny responsibility. That’s why early legal help makes such a difference."

Common Injuries Our Clients Deal With in Delray Beach

South Florida traffic and speed zones create the perfect conditions for high-impact injuries, even in “minor” crashes. Common injuries our clients experience include:

• Whiplash and neck strain;
• Lower back injuries and herniated discs;
• Concussions or post-traumatic headaches;
• Knee, shoulder, and wrist joint trauma;
• Bruising from airbags or seat belts; and
• Emotional trauma and driving anxiety,

Some symptoms develop over time. When there are delays in diagnosis or treatment, the insurer may argue the injuries stemmed from something else. We work to establish a timeline supported by medical records, crash data, and expert opinions to remove that argument from the table.

Where Accidents Most Often Happen in Delray Beach

Delray Beach might have a relaxed coastal vibe, but its roads move fast—and so do the risks. Crashes often occur at:

• Atlantic Avenue and Congress Avenue Intersection,
• I-95 ramps at Linton Boulevard,
• Federal Highway near Delray Beach Marketplace,
• West Atlantic Avenue approaching downtown, and
• Neighborhood intersections with limited signage or unclear bike lanes.

We know these areas and understand how bad lighting, road design, or routine confusion can contribute to a collision. Our familiarity with local conditions helps us reconstruct events and challenge vague or incomplete explanations.

Florida’s Modified Comparative Negligence Laws

Florida now applies a modified version of comparative negligence. If you're more than 50% responsible for a crash, you cannot recover damages. Even partial fault under that threshold lowers the amount you receive.

This makes insurance companies more aggressive. They look for ways to assign partial blame even when the facts don’t support it, especially when someone doesn’t have legal representation.

That’s why real advocacy matters. A Martindale-Nolo survey found people who hired a personal injury lawyer received nearly 3x more compensation on average than those who went without.

How Long You Have to File a Car Accident Claim in Florida

Even if your injuries feel overwhelming now, time plays a big role in how successful your case may be later. Florida law imposes a strict deadline, called the statute of limitations, to file a personal injury lawsuit after a car accident.

Florida allows only two years from the date of the crash to file your claim under the revised statute of limitations for negligence cases.

That’s not much time when you consider:

• Medical recovery may take months,
• Delayed injuries might appear weeks later,
• Evidence like video surveillance or vehicle damage can get lost or repaired, and
• Witnesses become harder to contact as time passes.

Waiting too long can mean losing access to valuable evidence or even the right to pursue your claim at all. Even if you’re unsure whether your injuries are “serious enough,” it’s almost always in your best interest to speak with a Delray Beach auto accident lawyer from Osborne & Francis sooner rather than later.

Early legal guidance can help:

• Preserve crash and vehicle evidence,
• Document medical progress from day one,
• Prevent mistakes during insurance communication, and
• Track and project your total damages accurately.

Once the statute expires, your case no longer has legal standing, even if the other driver was clearly responsible and your injuries were serious.

You don’t lose anything by asking questions early. But you might lose everything by waiting too long.

Our Value: More Than Just Your Case

At Osborne & Francis, the work we do serves our clients and strengthens the law itself. Our firm has always focused on tough, high-impact cases because we believe accountability changes more than the bottom line—it reduces repeat harm in our communities.

Our Delray Beach car accident attorneys fight for drivers who may not otherwise have the voice, money, or leverage to take on large insurers or commercial defendants. We handle claims with care and tenacity that only grows stronger when obstacles arise.

This is our community, too. We never take that responsibility lightly.