If you’ve ever sat across from someone after a wreck in Miami, you learn something fast: the accident itself is rarely the worst part. It’s the confusion that follows. The phone calls. The “helpful” insurance adjuster who sounds friendly right up until the moment they aren’t. I’ve seen people who walked away from a crash thinking they were lucky, only to call weeks later because they couldn’t turn their head or pick up their kid without pain.
That’s the moment when a Miami car accident lawyer actually matters.
At The Perazzo Law Firm, the work doesn’t start with paperwork. It starts with listening. Not the polite, nod-and-move-on kind, but the kind where you hear what isn’t being said yet. Fear. Frustration. That sinking feeling that something important is already slipping out of reach.
And yes, we’re available 24/7. Not as a slogan. Because accidents don’t respect office hours.
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Who this page is really for
This isn’t for someone shopping logos or jingles. It’s for the person who keeps replaying the crash in their head at three in the morning. The driver who did everything right and still ended up hurt. The family trying to figure out how medical bills keep arriving when the insurance company promised they’d “take care of it.”
Here’s a hard truth most firms won’t say out loud: plenty of car accident cases fall apart early, not because they weren’t valid, but because small decisions were made before anyone explained the consequences. A recorded statement given too casually. A doctor visit delayed because “it’ll probably go away.” It adds up. Fast.
What a Miami car accident lawyer actually does
People ask this all the time, usually with a little hesitation, like they’re worried the answer will sound dramatic. It isn’t.
A good Miami car accident lawyer creates space. Space between you and the insurance company. Space between what they want to pay and what the case is actually worth. Space to heal without feeling rushed into a bad decision.
I remember a rear-end collision on US-1. Looked harmless on paper. Property damage was minimal, airbags didn’t deploy. The insurer came in with an offer just under $7,000 and acted offended when it wasn’t accepted immediately. Once medical imaging told the full story—disc damage that wasn’t going to “resolve with rest”—the tone changed. So did the number. The final settlement didn’t start with a seven anymore.
That doesn’t happen by accident.
Why experience in Miami matters
Miami isn’t just busy. It’s unpredictable. Tourists who don’t know the roads. Rideshare drivers juggling apps. Aggressive traffic on I-95 where one mistake ripples across six lanes. If you haven’t handled crashes here, you miss the nuances. And the insurance companies know exactly which firms do and don’t understand that landscape.
We’ve been doing this long enough to recognize patterns. Which adjusters stall. Which carriers push blame early. Which cases need to be built quietly and which need pressure right away. That kind of judgment doesn’t come from templates.
It comes from repetition. And mistakes you only make once.
Injuries that don’t announce themselves right away
One of the most frustrating conversations I have starts like this: “I didn’t think it was that bad at first.”
Whiplash doesn’t come with fireworks. Neither do concussions. Soft tissue injuries have a nasty habit of showing up after the adrenaline wears off, usually when the insurance company is already preparing to close the file. I’ve seen clients who waited a week to seek treatment because they didn’t want to overreact, only to be told later that the delay “suggests the injury wasn’t serious.”
That argument shows up a lot. We shut it down with records, consistency, and context. Every time.
Florida insurance, without the sugarcoating
Florida’s no-fault system sounds simple until you’re living inside it. Your own PIP coverage pays first. Not all of it. Not forever. And definitely not without conditions.
Eighty percent of medical bills. Sixty percent of lost wages. Caps that drop without the right diagnosis. Gaps that open wide once treatment gets real. When those benefits run out—and they often do—the focus shifts to bodily injury claims, uninsured motorist coverage, or both.
Here’s what bothers me: most people don’t realize how exposed they are until it’s too late. We see it constantly. That’s why part of our job is fixing problems that shouldn’t have existed in the first place.
Insurance companies and the games they play
No one at an insurance company wakes up excited to overpay a claim. Their job is to protect their bottom line. Sometimes that means friendly calls. Other times it means quiet delays or sudden questions about injuries you’ve been treating for months.
I’ve watched adjusters act shocked that someone needed continued care. As if the MRI they approved never happened. That’s not confusion. It’s strategy.
We respond the same way every time. With documentation. With experts. With a case built like it might see a courtroom, even if it never does.
Questions people ask when they’re worried, not Googling
“How long do I really have to file this? Everyone keeps saying two years, but when does that clock start?”
It usually starts on the date of the crash, and yes, the deadline is strict. Miss it and the case can disappear, regardless of how serious the injury is. That’s why timing matters more than people think.
“The insurance company already made an offer. What if I just take it and move on?”
You can. You just can’t undo it later. Once you sign, that’s it. No reopening. No second chances if surgery enters the picture six months down the road.
“Do cases like this actually go to court?”
Most don’t. But the ones that settle well are prepared as if they will. Insurance companies can tell the difference.
How the process usually unfolds
It begins with a conversation. Not a commitment. Just clarity. From there, the investigation starts while evidence still exists and memories are fresh. Medical records are gathered. Losses are calculated the way they should be, not the way insurers prefer. Negotiations happen behind the scenes. If fairness shows up, great. If it doesn’t, the case moves forward without hesitation.
Throughout it all, clients know where things stand. Silence breeds anxiety. We don’t let that happen.
Miami isn’t one place, and neither are the cases
Brickell crashes look different from Kendall intersections. Hialeah traffic isn’t Wynwood traffic. We handle cases across Miami-Dade because the details change neighborhood to neighborhood, even when the law doesn’t.
That local familiarity matters more than most people realize.
If you’re reading this because something feels off
Trust that instinct. People rarely call a lawyer because everything is going smoothly.
If you were injured in a car accident in Miami, a real conversation can make the next steps clearer than any checklist ever will. Call 888-PERAZZO for a free consultation. No pressure. No upfront fees. Just a straight answer from people who’ve seen how this plays out when it’s handled right—and when it isn’t.
Let us deal with the noise. You focus on getting better.