A comprehensive guide to Florida truck accident law in 2025 must cover insurance rules, the issue of negligence, liability for accidents, and filing deadlines for lawsuits. We’ve geared this guide toward those who survive accidents or lose their loved one in a fatal truck collision. This guide should help you, but a truck accident lawyer can be even more helpful than a guide ever could.
Who Is Eligible for Compensation After a Florida Truck Collision?
Florida’s laws do not differ from most states. In virtually every corner of the country, those harmed in truck accidents caused by another party are eligible for compensation. Victims can include:
- Occupants of a car, SUV, or another truck
- A pedestrian hit by a truck driver
- A bike, scooter, or motorbike operator
- A motorcycle rider
A “truck” can include an 18-wheeler, construction truck, moving van, sprinter van, pickup truck, or any large vehicle used for transport in any capacity.
Determining Liability for Florida Truck Accidents
Florida statutes hold negligent parties accountable when they contribute to truck collisions. Some parties that may be liable for your accident include:
- A truck driver: Our lawyers have helped victims of traffic accidents for more than 75 years. This experience has taught us to always look at the driver when an accident happens. Truck drivers are often careless, impaired, or negligent in other ways that directly cause accidents.
- A trucking company: Trucking companies can be defendants in cases where their employee (a truck driver) caused a harmful accident through vicarious liability. However, situations arise where a trucking company’s non-driver employees are negligent, leading to accidents—perhaps by failing to monitor drivers or provide safe equipment.
- A municipality in Florida: Note that Florida Statutes § 768.28(6)(a)(1) sets a relatively short deadline for legal action against municipalities, so don’t wait to speak with our firm about your accident.
- Vehicle manufacturer: If a defective truck, cargo trailer, car, or part contributes to an accident, the law holds manufacturers liable for their negligence.
Well before 2025, Florida Statutes § 768.81 has accounted for accidents in which multiple parties are at fault. Comparative fault statutes dictate that you can receive compensation even if you are partially to blame for a truck crash. These are laws that Florida 18-wheeler accident attorneys understand well.
Minimum Insurance Coverage for Motorists (Including Truck Drivers) in Florida
Florida truck accident law covers many issues, including insurance requirements. Florida insurance rules and statutes dictate that:
- Every motorist must have a minimum amount of insurance coverage to cover medical expenses and property damage for victims of accidents they cause.
- Florida is a no-fault state for insurance purposes, meaning everyone’s insurance provider pays for at least a portion of losses.
- If the cost of your losses exceeds your policy’s coverage, you can file a claim with the at-fault party’s insurance provider, which may include the provider for a truck driver, trucking company, or others.
A personal injury lawyer will evaluate all insurance options, recommend a strategy, and handle the claims process following a commercial truck accident in Florida.
Commercial Truck Drivers Generally Need More Insurance
While every Florida motorist must purchase insurance to protect themselves and anyone they harm, the Code of Federal Regulations (CFR) § 387.1 explains that trucking companies must generally purchase far more coverage than non-commercial motorists.
If you were in a semi-truck accident in Florida, your lawyer might find that you qualify for significant compensation through a trucking company’s insurance coverage. This finding is just one of the potential paths to compensation your Florida attorney will consider.
Florida Law Allows Truck Accident Victims to Receive These Damages
If you suffered injuries in a semi-truck accident in Florida, you might face a challenging road to justice. As experienced Florida commercial truck collision lawyers, we know that liable parties do not always own their financial responsibilities and are prepared to fight for the compensation you deserve.
The unusually forceful nature of truck collisions can cause victims to suffer:
- Property damage, such as an insurance company declaring your vehicle a total loss
- Healthcare costs that may result from emergency care, hospital services, imaging, rehabilitation, and other accident-related treatment
- Professional damages that may include lost income
- Pain and suffering, such as serious conditions like post-traumatic stress disorder, chronic pain, depression, anxiety, and lost quality of life
Noneconomic damages from truck accidents can be just as impactful as financial losses—if not more so. Our firm understands this fact, so we pay attention to economic damages like lost income and noneconomic damages such as pain and suffering.
It’s Not the Law, Yet Truck Accident Attorneys Offer a Client-Friendly Fee
Sometimes, people do the right thing even when the law does not require them to. That is the case with our firm’s contingency fee agreements, which we offer to benefit accident victims like you.
You won’t pay any upfront fees or costs to retain a Florida commercial truck accident lawyer. We will cover your case costs and only receive a payment if we win your claim.
Call the Law Offices of Wolf & Pravato Today for Your Free Consultation About a Florida Truck Accident Lawyer
The Law Offices of Wolf & Pravato has recovered more than $200 million in personal injury settlements. Our emphasis on client service is just as important as getting results, and we encourage you to review testimonials from many of our former clients.
Let a dedicated Florida truck accident attorney from our firm be your tenacious advocate. Call the Law Offices of Wolf & Pravato today for your free consultation.
