The Insurance Research Council estimated in 2025 that roughly one in five Florida drivers carries no auto insurance, and Florida does not require most drivers to carry bodily injury liability coverage in the first place. Which means the single most important question after a crash out here is often not who was at fault. It is which policy is going to pay.
Rosenthal, Levy, Simon & Sosa has handled Palm Beach County collision claims since 1985. Our Loxahatchee car accident lawyer team represents drivers and passengers hurt on the roads through Loxahatchee, Loxahatchee Groves, and The Acreage, and the first thing we do on a new file is map every layer of coverage that might apply, including coverage on your own policy you may not know you have.
Free coverage review, 24 hours a day, in English or Spanish. No fee unless we recover. Call +1 (866) 640-7117.
Table of contents
- Which insurance policies might pay for your Loxahatchee crash?
- Does Florida's no-fault system stop you from suing the driver who hit you?
- Where do serious crashes happen around Loxahatchee?
- What if the crash involved a golf cart, ATV, or horse trailer?
- Why hire our Loxahatchee car accident lawyers?
- How does fault get decided, and how much can it cost you?
- What we do on a Loxahatchee crash file
- FAQ for Loxahatchee Car Accident Lawyer
- The Coverage Question Is Worth One Phone Call
Which insurance policies might pay for your Loxahatchee crash?
Usually more than one, and rarely in the order people expect. Florida stacks several coverage layers on top of each other, and each has its own rules.
| Coverage | What it pays | When it applies |
| Personal Injury Protection (PIP) | 80% of medical bills and 60% of lost wages, up to $10,000 total | First, regardless of fault. Treatment must begin within 14 days |
| At-fault driver's bodily injury liability | Your full damages up to their limits | Only if they carried it, which Florida does not require |
| Uninsured or underinsured motorist (UM) | Your damages up to your own limits | When the at-fault driver has no coverage or not enough |
| Employer or commercial policy | Your damages up to much higher limits | When the at-fault driver was working at the time |
| Property damage liability | Vehicle repair or replacement | Required in Florida at a $10,000 minimum |
The commercial policy line matters disproportionately out here. Agricultural vehicles, equipment haulers, landscaping trucks, and equestrian trailers are common on these roads, and a commercial policy typically carries limits many times higher than a personal auto policy. Identifying the employer early can change the entire outlook of a claim.
Does Florida's no-fault system stop you from suing the driver who hit you?
No, but it puts a threshold in front of you. Florida requires you to use your own PIP benefits first under Florida Statute § 627.736, and only allows a claim against the at-fault driver for pain and suffering once your injury meets a specific legal standard.
That standard generally requires permanent injury, significant and permanent loss of an important bodily function, significant scarring or disfigurement, or death. Whether an injury clears the bar is a medical and legal argument, and it is contested constantly. Understanding what qualifies as serious injuries from a car accident can help clarify whether the injury meets the applicable threshold.
There is also a hard practical limit worth understanding. Ten thousand dollars of PIP does not cover an ambulance ride and an emergency room evaluation in Palm Beach County, let alone imaging and follow-up care. For anyone seriously hurt, the real recovery has to come from somewhere else. Our overview of Palm Beach County's no-fault insurance rules covers the PIP mechanics in more depth.
What happens if you started treatment more than 14 days after the crash?
PIP benefits can be denied entirely, which is one of the harsher rules in Florida auto law. The 14-day window is strict, and delayed treatment is more common out here than in the eastern part of the county because the nearest emergency care is a drive.
A missed window does not necessarily end the case. Other coverage layers may still apply, and a liability or UM claim does not depend on PIP being paid. It does make the file harder, which is why it is worth a call even when you think you waited too long.
Told your PIP claim was denied? That is not the end of the analysis. Call +1 (866) 640-7117.
Where do serious crashes happen around Loxahatchee?
On the two-lane roads, at speed, with no shoulder to escape onto. That geometry drives injury severity more than traffic volume does.
Seminole Pratt Whitney Road, Northlake Boulevard, Orange Boulevard, and the western stretch of Southern Boulevard carry commuter traffic at highway speeds through areas built without medians, sidewalks, or lighting in many segments. Canals run alongside long stretches of them. A head-on or run-off-road collision in that environment produces far worse outcomes than the same closing speed would at a signalized city intersection.
Practically, that also means fewer witnesses, no municipal traffic cameras, and a crash report written by a Palm Beach County Sheriff's deputy who arrived after the vehicles had already been moved. Independent evidence has to be found rather than collected, and it has to be found quickly. That evidence can be critical when documenting damages after a car accident .
What if the crash involved a golf cart, ATV, or horse trailer?
The insurance rules change, and that is the part people get wrong. Not every vehicle on these roads is covered by a standard auto policy, and some are not required to carry one at all.
Golf carts and low-speed vehicles are treated differently under Florida law than passenger cars, with different registration and insurance requirements depending on the vehicle's classification and where it operates. A collision involving one may need to reach a homeowners policy, an umbrella policy, or a commercial policy instead of an auto policy.
ATVs and utility vehicles on private property are usually outside auto coverage entirely. Trailers add another layer, because liability for a trailer that came loose, was overloaded, or was improperly hitched can fall on the towing driver, the trailer owner, or whoever loaded it, and those may be three different parties with three different policies.
Horse trailers show up in this analysis regularly given the equestrian activity around Wellington and the western communities. A trailer failure at highway speed on Southern Boulevard produces serious collisions, and the responsible party is often not the person driving.
The practical takeaway: do not assume there is no coverage because the other vehicle was not a car. Assume the coverage question needs someone to actually work through it.
Struck by something other than a passenger car? The coverage answer is rarely obvious. Call +1 (866) 640-7117.
Why hire our Loxahatchee car accident lawyers?
Because the firm has a Palm Beach County trial record, and that record is what determines whether an adjuster's first offer is their real number.
The clearest example comes from the firm's own results. Managing Shareholder Jonathan T. Levy represented a client rear-ended on I-95 by a driver who tried to flee the scene and turned out to carry no liability insurance. The client's own uninsured motorist carrier refused to pay its $100,000 limit. After a three-day trial in Palm Beach County, the jury returned a verdict slightly over $400,000, and Mr. Levy then pursued a bad faith claim that recovered the full verdict plus fees and costs.
Results in past cases do not guarantee a similar outcome in future cases.
That is precisely the situation many Loxahatchee crash victims end up in, and it illustrates something worth knowing: a UM carrier refusing to pay policy limits is not the final word.
Alongside the trial record:
- Practicing in Palm Beach County since 1985
- Managing Shareholder Steven C. Simon recognized by Best Lawyers in America
- Shareholder Luis A. Sosa named to the National Trial Lawyers Top 40 Under 40
- Complete cases handled in Spanish, from first call through court
- Contingency representation with no cost to begin
How does fault get decided, and how much can it cost you?
Fault is apportioned by percentage, and above 50% you recover nothing at all. Florida's modified comparative negligence statute reduces your award by your share, so a $250,000 claim with 30% assigned to you resolves at $175,000.
On rural two-lane roads, the arguments insurers reach for are predictable: speed, failure to maintain the lane, distraction, and failure to avoid the collision. Without cameras or independent witnesses, those arguments live or die on physical evidence, which is why scene documentation and vehicle inspection matter more here than almost anywhere else in the county.
What we do on a Loxahatchee crash file
- Map the coverage. Every applicable policy, including your own UM coverage and any commercial policy behind the other vehicle.
- Investigate the scene. Photographs, measurements, skid and gouge evidence, sight lines, and any private security or dashcam footage in the area.
- Identify the real defendant. If the at-fault driver was working, the employer's policy is usually the one that matters.
- Document the injury. We work with your treating providers so the record reflects both current care and what the injury will require long term.
- Demand, then litigate. If the offer does not match the evidence, we file in the 15th Judicial Circuit and prepare the case for a jury.
Residents in the region can also review how we handle car accident claims in nearby West Palm Beach. If your situation involves an injury other than a vehicle collision, our Loxahatchee personal injury lawyer page covers the broader practice.
FAQ for Loxahatchee Car Accident Lawyer
Can I open a claim if the crash report says I was at fault?
Yes. A crash report reflects a responding officer's opinion formed at the scene, often without vehicle inspection, witness follow-up, or any reconstruction. It is not a legal finding and it is not binding on an insurer or a jury. Reports get contradicted by physical evidence regularly, particularly on rural roads where the officer arrived after the vehicles were moved.
If the report assigns you fault, that is a reason to have the case looked at rather than a reason to give up on it.
What if I was hit by an unlicensed or uninsured driver who fled?
You may still have a claim through your own uninsured motorist coverage, which typically covers hit-and-run collisions where the driver is never identified. Most policies require prompt reporting to law enforcement and to your insurer, so the timing of those reports matters.
Your carrier will handle the claim as an adversary rather than an ally, which is the reason people in this position benefit most from having representation.
Does my passenger have their own claim?
Usually yes, and often against more coverage than they realize. An injured passenger can generally pursue the at-fault driver's liability coverage, and may also have UM coverage available through their own policy or a resident relative's policy. Passengers are also rarely assigned any comparative fault, which can make their claims cleaner than the driver's. Each passenger's coverage picture needs its own review.
How long will my case take?
Most car accident claims resolve within several months to a year, and the timeline is driven by your medical treatment rather than by the court. We generally advise against settling before the permanence of an injury is understood, because a claim closed early cannot be reopened when a condition turns out to be lasting. Cases requiring a lawsuit in the 15th Judicial Circuit run considerably longer, and that tradeoff is something we discuss with you rather than decide for you. Understanding the timing of a car accident settlement can help you make informed decisions about when to resolve your claim.
Is the consultation really free, and is there any obligation?
Yes and no, in that order. The initial case review costs nothing whether or not you hire us, and there is no obligation to proceed. If we take the case it is on contingency, which means no payment up front and no fee unless we recover for you. You will have the fee terms in writing before anything is signed.
The Coverage Question Is Worth One Phone Call
Most people never find out what their own policy would have paid, because the only person who explained it to them worked for the insurance company. Reading it costs nothing.
We answer at any hour, in English and Spanish.
Call Rosenthal, Levy, Simon & Sosa Injury Lawyers at +1 (866) 640-7117, or request a free case review online.
Fighting For The Injured Since 1985.