St. Petersburg Car Accident Lawyers
Serious Representation for Crash Victims Across Pinellas County
If you were injured in a car accident in St. Petersburg, Florida law may allow you to pursue compensation. These claims are typically resolved based on fault, medical evidence, and available insurance coverage—not on what an insurance adjuster is willing to offer early in the process.
Kemp Law represents car accident victims across St. Petersburg and Pinellas County. With 20,000+ cases handled and millions recovered for clients and families, we prepare claims with the level of evidence and litigation readiness serious cases require.
Examples of our results include:
- $2,300,040 — Motorcycle Accident: Right-of-way violation; multiple surgeries; maximum policy limits recovered.
- $1,150,000 — Motor Vehicle Accident: Rear-ended at a stoplight and spun into oncoming traffic in an eight-vehicle crash; case litigated and resolved.
- $1,100,000 — Motor Vehicle Accident: Rear-end collision resulting in significant injuries and lasting impairment.
- $1,000,000 — Motor Vehicle Accident: Despite disputed liability and a low percentage of fault attributed to a third vehicle, client who underwent brain surgery recovered $1,000,000.
Call (727) 788-6792 or contact us online for a FREE consultation. Our St. Petersburg car accident attorneys are available 24/7.
Why Clients Hire Kemp Law
Clients come to our firm for direct guidance and structured case preparation.
- Experience at scale: More than 20,000 injury cases handled across Florida and Georgia.
- Trial-focused preparation: Claims are developed with the expectation that liability and damages may be contested.
- Insurance defense insight: Partner Kelly Cook is a former insurance defense attorney who understands how carriers evaluate exposure and dispute claims.
- Established leadership: Stacy A. Kemp founded the firm in 2008 and built it around serious personal injury litigation and client service.
- Contingency representation: No upfront attorney’s fees. We are paid only if compensation is recovered.
Types of Car Accident Cases We Handle
Kemp Law represents clients in serious motor vehicle collision claims, including:
- Rear-end and chain-reaction crashes
- Intersection and failure-to-yield collisions
- Left-turn collisions
- Multi-vehicle collisions
- Distracted driving crashes
- Hit-and-run accidents
- Uninsured/underinsured motorist claims
- Rideshare-related crashes (Uber/Lyft)
- Commercial vehicle and delivery-driver collisions
- Fatal crashes and wrongful death claims
Key Issues in Florida Car Accident Claims
Car accident cases generally turn on a defined set of legal and factual questions. Addressing them early is often the difference between a routine claim file and a well-supported case.
No-Fault Coverage and PIP
Florida’s no-fault structure generally requires injured drivers and passengers to look first to Personal Injury Protection (PIP) coverage for certain medical expenses and wage loss, regardless of fault. In significant injury cases, PIP is often limited and may not reflect the full cost of medical care or ongoing impairment.
When injuries and circumstances permit, compensation may also be pursued through claims against responsible parties and other available coverage.
Fault and Proof
Liability is not determined by assumption. It is determined by evidence. Depending on the case, proof may include: crash reports, witness statements, scene documentation, vehicle damage patterns, surveillance footage, phone records (where relevant), and expert analysis in contested matters.
Insurance Coverage
Auto insurance overage often determines what is realistically recoverable. Potential sources may include:
- The at-fault driver’s bodily injury coverage
- Commercial or employer policies (work vehicles, delivery drivers, company cars)
- Uninsured/underinsured motorist coverage
- Rideshare frameworks (when applicable)
- Umbrella or layered policies in higher-exposure cases
Medical Causation and Damages
Insurers frequently challenge whether injuries were caused by the crash and whether treatment is reasonable or necessary. A serious claim is documented to establish: the medical course, functional limitations, work impact, and future care needs.
Liability Considerations in Multi-Party or Disputed Cases
Some collisions are straightforward. Others involve multiple parties, inconsistent statements, or competing versions of events.
Depending on the facts, potentially responsible parties may include:
- A negligent driver
- A vehicle owner (separate from the driver, in certain circumstances)
- An employer (if the at-fault driver was working)
- A commercial entity tied to a fleet or delivery operation
- A manufacturer in rare defect-related scenarios
Florida also applies a modified comparative negligence framework. If the injured person is found partially at fault, compensation may be reduced by that percentage. Fault allocation is commonly disputed in intersection collisions, lane-change crashes, and multi-vehicle accidents.
Damages in a Car Accident Claim
Depending on the circumstances, a car accident claim may include compensation for:
- Past and future medical expenses
- Rehabilitation and therapy
- Lost wages and loss of earning capacity
- Costs tied to disability or long-term limitations
- Pain and suffering and loss of enjoyment of life (when legally available)
- Out-of-pocket recovery-related costs
- Property damage, when applicable
- Wrongful death damages in fatal crash cases
In significant cases, damages often require documentation of long-term consequences, not only past bills.
Overview of the Claims Process
While every case is different, serious car accident claims typically follow a structured progression. The goal is to develop a complete record of liability, medical causation, damages, and available coverage so the case can be negotiated from a position of strength—or litigated if necessary.
- Case evaluation and coverage review. We review how the crash occurred, the injury picture, and the insurance policies that may apply (including non-obvious coverage sources in higher-exposure cases).
- Investigation and evidence development. Evidence is gathered and preserved—crash reports, witness statements, scene documentation, vehicle damage information, surveillance footage (when available), and expert analysis in disputed cases.
- Medical documentation and damages development. We organize records to show the full impact of the crash, including treatment progression, functional limitations, work disruption, and any future medical needs that can be supported.
- Demand and negotiation. A claim is presented with supporting proof and a defensible damages analysis. Negotiations are handled directly with insurers and defense counsel based on documented liability and impact.
- Litigation when necessary. If the defense refuses to make a fair offer, a lawsuit may be filed to pursue appropriate compensation through the court process, including discovery, depositions, mediation, and trial when required.
Time Limits to File a Car Accident Claim in Florida
Florida has strict filing deadlines for negligence-based lawsuits. Many car accident claims are subject to a two-year limitations period, but the correct deadline depends on the facts, the parties involved, and the legal theory being pursued.
A few practical points matter here:
- The deadline is not a “target date.” Filing late can bar recovery entirely.
- Waiting can weaken a case even before the deadline. Evidence can disappear quickly—surveillance footage is overwritten, vehicles are repaired or salvaged, witnesses become harder to locate, and records can be more difficult to obtain.
- Some cases involve additional procedural requirements. Claims involving government entities or certain defendants may require earlier notices or different timelines.
A consultation can confirm the applicable deadline and identify whether anything in your case requires faster action than the general limitations period.
Call for a FREE Consultation: (727) 788-6792
If you were injured in a car accident in St. Petersburg or anywhere in Pinellas County, Kemp Law can review your situation and explain your options.
Call (727) 788-6792 or contact us online to schedule your free consultation with a St. Petersburg car accident attorney.
