How Can An Orlando Car Crash Injury Lawyer Help Me After an Accident?
After a car accident, insurance adjusters won’t tell you everything—but an Orlando personal injury attorney will fight to protect your rights. Insurance companies prioritize minimizing payouts but a car accident lawyer represents your best interests and works to maximize your compensation under Florida law.
If you or a loved one has been injured in an Orlando car accident through no fault of your own, you may be facing mounting medical bills, lost wages, and unexpected expenses. The good news is that Florida law allows accident victims to recover compensation for their losses.
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At The Law Offices of Carolina Nunez, P.A., we are dedicated to helping injured victims in Orlando, FL navigate the legal process and maximize their financial recovery after a car accident.
What Compensation Can You Recover After a Car Accident in Orlando?
Florida law allows car accident victims to pursue compensation for:
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Medical Expenses: Hospital bills, surgeries, physical therapy, and long-term treatment costs.
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Lost Wages & Future Earnings: Compensation for time missed from work and potential loss of future income.
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Property Damage: Repairs or replacement of your vehicle.
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Pain & Suffering: Physical pain, emotional distress, and loss of enjoyment of life.
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Wrongful Death Damages: If a loved one tragically passed away due to an accident, families may seek compensation for funeral expenses and loss of financial support.
Important: Florida follows a no-fault insurance system, meaning Personal Injury Protection (PIP) coverageapplies first. However, if your injuries are severe or permanent, you may have the right to pursue a lawsuit against the at-fault driver for additional damages.
1. What Should I Do If I Can’t Afford Car Insurance in Florida?
Florida auto insurance costs have increased significantly in 2025 due to inflation and a tough job market, but driving without insurance is not an option—it can result in severe penalties, license suspension, and legal consequences.
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Compare Quotes: Consider adjusting non-essential coverages. Shop around and get quotes from multiple insurance providers.
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Ask About Discounts: Many insurers offer safe driver, multi-policy, and low-mileage discounts.
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Consider Usage-Based Insurance: Some companies offer pay-per-mile or safe driving discounts through tracking apps.
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Tip: Always review your Florida car insurance policy before making changes to ensure you remain legally covered.
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2. Why Does My Florida Car Insurance Keep Increasing?
Florida auto insurance rates are rising due to several factors, including:
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Your Driving Record: Accidents, speeding tickets, and claims history impact your premium.
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Increased Insurance Claims: Higher claim payouts in Florida lead to increased rates for all drivers.
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Natural Disasters: Hurricanes and flooding make comprehensive coverage more expensive.
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High Rate of Uninsured Drivers: Florida has one of the highest uninsured driver rates in the U.S., causing insurance costs to rise.
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Market Fluctuations: Insurance companies adjust pricing based on inflation, legal costs, and risk levels.
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3. Is Car Insurance in Florida Expensive? Why Are Florida Car Insurance Rates So High?
Yes, Florida has some of the highest car insurance rates in the U.S. due to:
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Uninsured Drivers: Nearly 20% of Florida drivers are uninsured, which raises rates for insured drivers.
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Frequent Natural Disasters: Hurricanes, floods, and tropical storms drive up insurance claims.
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High Population Density: More cars on the road mean higher accident rates and more insurance claims.
In Florida, if you've been injured or suffered property damage due to a car accident, it's crucial to be aware of the state's statute of limitations. As of March 24, 2023, you must file a lawsuit against the negligent driver within two years from the date of the accident. Failing to do so may permanently bar you from seeking compensation for bodily injury and property damages. āā
Personal Injury Claim Process in Orlando, Floridaāā
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Pre-Suit Phase: This initial stage may involve activating your Personal Injury Protection (PIP) coverage, which allows you to seek medical treatment under your auto insurance policy. During this time, insurers might request an Examination Under Oath (EUO) or a recorded statement.āāā
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Lawsuit Phase: If a settlement isn't reached during the pre-suit stage, a formal lawsuit is filed. This phase can include mediation, depositions, interrogatories, medical examinations, and more. Should settlement negotiations fail, the case may proceed to trial.āāā
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If you miss the two-year Florida statute of limitations, you may be permanently barred from trying to recover bodily injury and property damages through a lawsuit against the driver who caused the accident and your injuries. āTo file a personal injury lawsuit in Orlando, Florida, you must have sustained an injury in the car accident. Qualifying injuries include:āā
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Permanent Loss of Body Functionsā
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Permanent Injuries or Disabilitiesā
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Property Damage
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Permanent Disfigurement and Scarringā
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Loss of Workā and Income
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Mental Anguish
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Don't Delay Your Legal Rights
If you have been injured after a car accident, Orlando car accident attorney Carolina Nunez, Esq. and the team at The Law Offices of Carolina Nunez, P.A., we fight for injured victims in Orlando, Florida, ensuring you receive receive protection you deserve. If you lost a loved one due to a negligent driver’s actions, Orlando car accident attorney Carolina Nunez, Esq. and the dedicated Florida personal injury lawyers at The Law Offices of Carolina Nunez, P.A. We are located in Winter Park, Orlando, Daytona Beach, Stuart, Gainesville.
The team of skilled attorneys at The Law Offices of Carolina Nunez, P.A. can thoroughly investigate your case to build a strong claim on your behalf. Call us today at 407-900-FIRM for a free no-fault accident consultation and learn how we can help you pursue the compensation you deserve.
Si has tenido un accidente, no espere. Llámenos hoy. Hablamos Español: 386-PLEITOS
āāFlorida operates under a no-fault insurance system, meaning that after a car accident, individuals typically turn to their own personal injury protection (PIP) insurance to cover medical expenses and certain economic losses, regardless of who caused the accident. However, this system does not entirely preclude the possibility of filing a lawsuit against an at-fault driver.āāāāā
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When Can You Sue the At-Fault Driver After an Accident in Florida?
In Florida, you can step outside the no-fault system and file a lawsuit against the at-fault driver if your injuries meet specific criteria defined by state law. According to the Florida Statutes §627.737, you may pursue a claim if you have sustained:āā
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Significant and permanent loss of an important bodily function;ā
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Permanent injury within a reasonable degree of medical probability;ā
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Significant and permanent scarring or disfigurement;ā
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Death.ā
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Proving Negligence in Florida Car Accident Lawsuits
To succeed in a negligence claim against an at-fault driver in Florida, you must establish the following four elements:ā
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Duty of Care: The defendant (at-fault driver) owed you a legal duty to exercise reasonable care while operating their vehicle. In Florida, drivers are expected to operate their vehicles safely and adhere to traffic laws to prevent harm to others.āāāāāāā
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Breach of Duty: The defendant breached this duty by acting or failing to act in a certain way. This could include actions like speeding, running a red light, or driving under the influence.āāāāā
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Causation: The defendant's breach of duty directly caused the accident and your injuries. You must demonstrate that your injuries were a foreseeable result of the defendant's actions.āāāāā
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Damages: You suffered actual damages (e.g., medical bills, lost wages, pain and suffering) as a result of the accident.āāā
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In Florida, all drivers have a legal duty to operate their vehicles safely and follow traffic laws to prevent harm to others. Any driving behavior that fails to meet this duty may constitute a breach of care, including:
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Speeding: Excessive speed reduces reaction time and increases crash severity.ā
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Impaired Driving: Driving under the influence of alcohol or drugs is a serious violation of traffic laws and endangers others on the road.ā
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Distracted Driving: Using a phone, eating, or engaging in other distractions while driving can cause serious accidents.ā
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Running Red Lights & Stop Signs: Failing to obey traffic signals can lead to dangerous collisions.ā
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Reckless or Aggressive Driving: Tailgating, unsafe lane changes, and road rage-related behaviors put others at risk.
Need Legal Help After a Car Accident?ā
If you were injured due to a negligent driver’s actions, Orlando car accident attorney Carolina Nunez, Esq. and the dedicated Florida personal injury lawyers at The Law Offices of Carolina Nunez, P.A. We are located in Winter Park, Orlando, Daytona Beach, Stuart, Gainesville. The team of skilled attorneys at The Law Offices of Carolina Nunez, P.A. can thoroughly investigate your case to build a strong claim on your behalf. Call us today at 407-900-FIRM for a free no-fault accident consultation and learn how we can help you pursue the compensation you deserve. Hablamos Español: 386-PLEITOS.
Don't do it alone. Our legal team works diligently to: ā
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Gather and analyze accident reports, medical records, and witness statements.
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Consult accident reconstruction specialists when necessary.
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Negotiate aggressively with insurance companies to seek maximum compensation.
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Prepare for litigation if a fair settlement cannot be reached.
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Get Legal Help from an Experienced Orlando Car Accident Lawyer
If you’ve been injured in a car accident due to another driver’s negligence, don’t wait to seek legal representation. Call Attorney Carolina Nunez, Esq. and the dedicated Florida personal injury lawyers at The Law Offices of Carolina Nunez, P.A. for a free no-fault car accident consultation and learn how we can help you pursue the compensation you deserve.
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Florida’s No-Fault Insurance & PIP Benefits Explained
āFlorida follows a no-fault car insurance system, leading some accident victims to believe they cannot sue the at-fault driver for damages. However, this is not always the case.
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If you sustain minor injuries in a Florida car accident, your Personal Injury Protection (PIP) insurance may cover your medical expenses and lost wages, regardless of fault. A personal injury attorney can help you file a 14-day PIP claim to secure these legal benefits.
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What Does Florida PIP Insurance Cover?
Under Florida law (Fla. Stat. §627.736), PIP insurance typically covers:āāā
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80% of necessary medical expenses (up to policy limits).
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60% of lost wages due to accident-related injuries.
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$5,000 in death benefits if the accident results in a fatality.
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Why Seeking Medical Treatment Quickly Mattersāāāā
To qualify for full PIP benefits (up to $10,000), you must seek medical treatment within 14 days of the accident. If you fail to meet this deadline, your coverage may be limited to $2,500.āā
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Prevents Benefit Reductions: Missing the 14-day window can significantly limit your compensation.
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Documents Your Injuries: Medical records help prove your injuries were caused by the accident.
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Strengthens Potential Legal Claims – If your injuries meet the serious injury threshold, you may be able to sue the at-fault driver for additional compensation.
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Even if you do not feel injured immediately after a car accident, you should always seek medical evaluation. Some injuries, such as whiplash, internal bleeding, concussions, and spinal injuries, may take hours, days, or even weeks to develop symptoms.āDelaying medical care can:
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Jeopardize Your Health: Some injuries worsen without timely treatment.
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Reduce Your Insurance Benefits: Florida law requires you to seek medical treatment within 14 days to qualify for full Personal Injury Protection (PIP) benefits (Fla. Stat. §627.736).
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Weaken Your Legal Claim: Insurance companies may argue that your injuries were not serious or not caused by the accident if you delay treatment.
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Protecting Your Rights Under Florida Car Accident Laws
After a car accident in Florida, taking the right steps can protect both your health and your legal rights:
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Seek Immediate Medical Attention: A doctor can document your injuries and ensure you receive necessary treatment.ā
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Report the Accident: Notify the police and obtain a copy of the accident report.ā
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Contact an Experienced Orlando Car Accident Lawyer: Legal representation ensures you are fully protected under Florida accident laws and maximize your potential compensation.
Need Legal Help After a Car Accident?ā
If you were injured due to a negligent driver’s actions, Orlando car accident attorney Carolina Nunez, Esq. and the dedicated Florida personal injury lawyers at The Law Offices of Carolina Nunez, P.A. We are located in Winter Park, Orlando, Daytona Beach, Stuart, Gainesville. The team of skilled attorneys at The Law Offices of Carolina Nunez, P.A. can thoroughly investigate your case to build a strong claim on your behalf. Call us today at 407-900-FIRM for a free no-fault accident consultation and learn how we can help you pursue the compensation you deserve. Hablamos Español: 386-PLEITOS.
Don't do it alone. Our legal team works diligently to: ā
ā
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Gather and analyze accident reports, medical records, and witness statements.
-
Consult accident reconstruction specialists when necessary.
-
Negotiate aggressively with insurance companies to seek maximum compensation.
-
Prepare for litigation if a fair settlement cannot be reached.
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Losing a loved one in an Orlando fatal car crash is a devastating experience. While no amount of compensation can replace a loved one, Florida accident laws provide legal protections for grieving families. When a negligent driver—whether due to drunk driving, reckless driving, or distracted driving—causes a fatal accident, families may be entitled to wrongful death compensation. An experienced Orlando wrongful death attorney can help surviving family members seek justice and financial recovery for their losses.
Who Can File a Wrongful Death Lawsuit in Florida?
Under Florida Statutes §768.21, wrongful death claims must be filed by the personal representative of the deceased’s estate on behalf of:
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The spouse of the deceased
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The children of the deceased
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The parents of the deceased
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Other financial dependents in some cases
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Compensation in a Florida Wrongful Death Claim
Families may be entitled to monetary damages for:
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Medical expenses related to the fatal accident
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Funeral & burial costs
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Loss of financial support
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Loss of companionship and guidance
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Mental and emotional suffering
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Statute of Limitations for Wrongful Death Lawsuits in Florida
Florida law requires wrongful death lawsuits to be filed within two years from the date of death (Fla. Stat. §95.11(4)(d)). Missing this deadline could bar families from seeking compensation. Fatal car accidents often increase during the holidays and large events, it is crucial to seek legal guidance as soon as possible to protect your family's rights.
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Speak with An Orlando Wrongful Death Lawyer
If you lost a loved one after an accident, Orlando wrongful death attorney Carolina Nunez, Esq. and the team at The Law Offices of Carolina Nunez, P.A., we fight for injured victims in Orlando, Florida, ensuring their families receive protection they deserve. If you lost a loved one due to a negligent driver’s actions, Orlando wrongful death attorney Carolina Nunez, Esq. and the dedicated Florida personal injury lawyers at The Law Offices of Carolina Nunez, P.A. We are located in Winter Park, Orlando, Daytona Beach, Stuart, Gainesville.
The team of skilled attorneys at The Law Offices of Carolina Nunez, P.A. can thoroughly investigate your case to build a strong claim on your behalf. Call us today at 407-900-FIRM for a free no-fault accident consultation and learn how we can help you pursue the compensation you deserve.
Si has tenido un accidente, no espere. Llámenos hoy. Hablamos Español: 386-PLEITOS
How to HIRE A CAR ACCIDENT Lawyer in Orlando FLORIDA
Finding the right Orlando, FL auto accident attorney is about more than just knowledge of Florida accident laws—it’s also about finding a lawyer who is the right fit for you. At The Law Offices of Carolina Nunez, P.A., we proudly serve clients of all races, genders, and abilities. We recognize that each case is unique, and we provide special considerations to accommodate disabilities, language preferences, and cultural needs.
Choosing the Right Orlando Auto Accident Attorney for Your Case
Finding the right Orlando, FL auto accident attorney is about more than just knowledge of Florida accident laws—it’s also about finding a lawyer who is the right fit for you. Here are some key factors to consider when hiring a Florida car accident lawyer:
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1. Communication with Your Florida Car Crash Lawyerāā
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We’ve all seen the billboards along I-4 and Central Florida roads advertising large auto accident law firms.
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While these firms handle high volumes of cases, they also take on smaller cases that may not receive the same level of attention.
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If direct, personalized communication with your Florida car accident attorney is important to you, a smaller law firm may be a better fit—especially if you have specific needs that help you feel more comfortable.
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2. Language barrier? We are bilingual.āā
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While Florida law does not require legal documents to be in Spanish, you can choose a bilingual personal injury lawyer who can explain the legal process in your native language.
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Hiring an Orlando car accident lawyer who speaks Spanish ensures you fully understand your rights and legal options.
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3. Proximity & Specialization: Why Location & Expertise Matterā
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If you prefer in-person meetings before hiring a lawyer, choose a local Orlando accident attorney near you.
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This makes it easier to visit their office, discuss your case face-to-face, and avoid relying solely on phone calls or emails.
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4. Specialization: Choosing an Attorney Experienced in Your Case Type
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Not every Florida personal injury lawyer handles the same types of cases. Different accidents involve different legal complexities. Make sure you hire an Orlando accident lawyer who specializes in cases like yours:
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My Commitment
As Your Personal Injury Attorney in Orlando, Florida
āI am Attorney Carolina Nunez and I strive to make sure that our offices offer legal representation in Central Florida that is more personalized and accessible to members of our community. As a first-generation American and attorney, I have had the privilege to not only represent Floridians, but also be able to offer an understanding of social challenges many face. I will commit myself to finding all avenues to justice and appropriate compensation after your crash. ā If you have not been at fault after an accident, or if fault is split -- we are here to help.
I work alongside a team Florida lawyers having received awards from Lawyers of Distinction, Million Dollar Advocates Forum, Elite Lawyers - Civil Litigation, Top 40 Lawyers Under 40, and more -- you can be assured that our team is ready to fight for your rights after an accident in Orlando, FL
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