Serving all of Florida
I spent nearly two decades defending corporations and insurance companies. Now I use everything I learned to fight for you.
— Emanuel Galimidi, former insurance-defense attorney
Main Office Miami · In person or video consultations statewide
After a Miami car accident you generally have two years from the date of the crash to file a personal-injury lawsuit in Florida (Fla. Stat. § 95.11(5)(a)) — cut from four years by the 2023 tort reform. And yes, Florida is still a no-fault state in 2026: despite widely repeated claims that PIP ended on July 1, 2026, the repeal bills died in committee, so your own Personal Injury Protection (§ 627.736) still pays the first $10,000 of medical bills and lost wages regardless of fault — but you must see a doctor within 14 days. You can step outside no-fault and pursue the at-fault driver for full damages, including pain and suffering, once your injuries meet the serious-injury threshold (§ 627.737). Your recovery is reduced by your share of fault and barred only if you are found more than 50% at fault (§ 768.81).
What they do
The same moves show up on almost every claim — each one built to pay you less. Spotting them early is the difference between settling for their opening number and finding out what the claim is actually worth.
A fast check before you know the extent of your injuries — designed to close the file for a fraction of its value.
Friendly questions engineered to get you to minimize your pain or admit partial fault on tape.
Bills pile up while they wait, betting you'll take less just to make the pressure stop.
After a crash
Call 911, photograph the scene, vehicles, and injuries.
Florida PIP requires it — and it ties your injuries to the crash.
Skip the other insurer's recorded statement until you have advice.
One review can show whether the offer is real or a lowball.
Florida law
Florida generally gives you 2 years from the crash to file an injury lawsuit. Wait too long and the claim is gone.
Your own PIP covers initial medical costs, but only if you are treated within 14 days of the crash.
You can still recover if you are 50% or less at fault; your share reduces the award. How fault is split is often worth fighting.
If the at-fault driver has no coverage, your own UM/UIM policy may pay. Insurers rarely volunteer this.
Related pages: What's my case worth? · Uninsured motorist coverage · Uber & Lyft accidents
A recent result
Car accident · their first offer: $0
One of several recent recoveries handled by the firm. Each case is different and past results do not guarantee a similar outcome. See more results →Client reviews
“His long experience working for the other side — the insurance companies — is absolutely invaluable when negotiating a payout.”
— Victor · Avvo“Mr. Galimidi is an excellent attorney. He was thoughtful and determined throughout, and explained everything so I fully understood what was going on. He went above and beyond for me and my case.”
— Tawnya Martin · Avvo“Mr. Galimidi took on my case after I totaled my car in an accident. He always got back to me the same day with answers and updates. I highly recommend him.”
— Jacqueline Earls · Google“He didn’t just represent me — he stood by me like family. He kept me informed and fought hard to get the best possible outcome.”
— Daniel Martindale · GoogleIndividual results; outcomes vary by case. Reviews are from the firm’s Google and Avvo profiles.
Questions people ask
For most Florida car accident injury claims you have 2 years from the date of the crash. It can be shorter when a government vehicle is involved. Missing the deadline usually ends your right to recover.
Call 911, get medical care within 14 days to protect your PIP benefits, photograph everything, collect the other driver's insurance details, and don't give the other insurer a recorded statement before getting advice.
The firm works on a contingency fee. The consultation is free and you pay no attorney fees or costs unless the firm recovers money for you.
No. Your own policy may require you to cooperate with your own insurer, but the other driver’s adjuster has no right to record you. Decline politely and let a lawyer handle that conversation.
Florida uses modified comparative negligence — you can still recover as long as you're not more than 50% at fault, though your share reduces the recovery. The adjuster’s fault percentage is an opening position, not a ruling — it can be contested with the crash report, photos, and witness accounts.
You may still recover through your own uninsured/underinsured motorist (UM/UIM) coverage plus PIP. Insurers don't always point these benefits out, which is one reason to have your policy reviewed.
No. The repeal bills died in the Legislature; PIP remains mandatory and the rules for your crash are unchanged — including the requirement to get initial medical care within 14 days to keep your PIP benefits.
Often, yes. Report it to police immediately, preserve every detail (paint transfer, partial plate, witnesses, nearby cameras), and check your own policy: uninsured motorist (UM) coverage can pay for a hit-and-run driver who is never identified.
Not by itself. Florida law lets you recover for the aggravation of a prior injury or condition — if the crash made it worse, the at-fault party owes you for the worsening. What does hurt a case is hiding the prior condition, so be candid with your lawyer and your doctors.
You’ll talk to a senior attorney who used to sit on the insurance company’s side of the table — not a case manager. No fees or costs unless you recover.
Call 786-442-2873