Tampa Car Accident Lawyers
Millions Recovered for Car Crash Victims
A serious car accident can create immediate consequences and long-term disruption, painful treatment, missed work, and financial pressure while insurance companies move quickly to protect their bottom line.
Kemp Law helps car accident victims across Tampa and Hillsborough County pursue full and fair compensation. With 20,000+ cases handled and millions recovered, we know how to build claims that hold up when insurers dispute fault, causation, and value.
Representative motor vehicle 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; 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 Tampa car accident attorneys are available 24/7.
Why Choose Kemp Law?
Car accident cases can look simple on paper until the insurer starts working to limit exposure. We build cases designed to survive that pushback.
- Founder-Led Standards: Founded by Stacy A. Kemp, our firm was built to deliver high-level advocacy with direct accountability and results-driven litigation.
- Insurance-Defense Insight: Partner Kelly Cook, a former insurance defense attorney, knows how carriers evaluate claims and where they try to reduce value.
- Trial-Ready Case Building: We prepare cases for litigation early, which strengthens settlement posture and deters low offers.
- Partner-Level Leadership: Serious cases receive strategic oversight from a leadership team built for complex civil litigation, including appellate capability when outcomes are challenged.
- No Fees Unless We Win: Free consultation, contingency representation, and no upfront attorney’s fees.
Car Accident Claims in Florida: What Matters and Why
Florida’s No-Fault System and PIP Coverage
Florida’s no-fault framework generally requires injured drivers and passengers to first look to their own Personal Injury Protection (PIP) coverage for certain medical expenses and wage loss, regardless of who caused the crash.
In serious injury cases, PIP is often insufficient. It is limited by design and rarely reflects the true financial impact of injuries that require specialist treatment, ongoing care, or time away from work.
When a Claim Can Go Beyond PIP
Many serious car accident cases involve pursuing compensation beyond PIP, which may include a claim against an at-fault driver or other responsible parties. Whether that is available depends on the legal threshold for stepping outside the no-fault system and the nature of the injuries and long-term impact.
Our Tampa car accident lawyers evaluate whether pursuing a claim beyond PIP makes sense based on:
- The severity and duration of the injury
- The medical course and functional impact over time
- The evidence establishing fault
- The insurance coverage available to pay the claim
The Legal Foundation: Negligence
Most car accident cases are negligence cases. Proving negligence generally requires four elements:
- Duty of Care: Drivers must operate responsibly and follow traffic laws.
- Breach: The driver failed to act reasonably through inattention, unsafe driving conduct, or violations of traffic rules.
- Causation: The breach caused the crash and the harm. Disputes often arise when insurers argue injuries were “pre-existing” or not caused by the collision.
- Damages: The crash resulted in measurable losses, such as medical costs, time away from work, long-term limitation, and the human impact of pain and disruption.
Insurers often challenge fault, causation, and damages at the same time. A strong claim is built to address all three.
Liability Issues in Tampa Car Accident Cases
Fault Is Not Always a One-Person Question
Sometimes liability is straightforward. Other times it’s layered.
Depending on the facts, responsible parties may include:
- A negligent driver
- A vehicle owner (separate from the driver)
- An employer (if the at-fault driver was working)
- A commercial operator (delivery or service vehicle scenarios)
- Other drivers in multi-vehicle collision sequences
Florida’s Modified Comparative Negligence Rule
Florida applies a modified comparative negligence framework. If an injured person is found partially at fault, compensation can be reduced by that percentage. Fault allocation is often heavily contested in significant injury cases, especially when insurers attempt to shift blame to reduce what they owe.
The practical takeaway is simple: liability proof needs to be built deliberately, not assumed.
Types of Car Accident Cases We Handle
Kemp Law represents clients in serious crash claims involving:
- Rear-end collisions and chain-reaction crashes
- Intersection and failure-to-yield collisions
- Left-turn crashes
- Multi-vehicle collisions
- Distracted driving accidents
- Hit-and-run crashes
- Uninsured and underinsured motorist claims
- Rideshare-related crashes (Uber/Lyft)
- Commercial vehicle and delivery-driver crashes
- Catastrophic injury and wrongful death claims
Tampa roadways and major corridors can produce high-speed collision dynamics and complex, multi-vehicle liability disputes. When the consequences are serious, the claim needs to be developed with the same seriousness.
What Compensation Can Include After a Serious Crash
Every case is unique, but serious crash claims may seek compensation for:
- Past and future medical expenses
- Rehabilitation and therapy
- Lost wages and loss of earning capacity
- Costs tied to long-term limitation or disability
- Pain and suffering and loss of enjoyment of life (when legally available)
- Out-of-pocket costs tied to recovery
- Property damage, when applicable
Serious cases often require documenting future needs and proving long-term impact—not simply adding bills.
How the Legal Process Works
A serious car accident case typically follows a disciplined progression:
- Case evaluation and coverage analysis: Liability, injury severity, and available insurance coverage are assessed.
- Evidence development: The claim is built with the proof needed to establish fault and defend the value of damages.
- Damages documentation: Records and supporting documentation are organized to reflect the full impact of the injuries now and going forward.
- Demand and negotiation: Insurers are approached with a complete, defensible claim file.
- Litigation when necessary: When a fair resolution is not offered, litigation may be required to pursue appropriate compensation.
Deadlines for Filing a Tampa Car Accident Claim
Florida has strict deadlines for filing many negligence-based lawsuits, and many car accident claims are subject to a two-year limitations period. Missing the deadline can bar recovery. A consultation can confirm the deadline that applies to your facts and whether any exceptions may apply.
Call for a FREE Consultation: (727) 788-6792
If you were injured in a Tampa car accident, Kemp Law is ready to evaluate your case and explain your options with straight answers and trial-ready representation.
Call (727) 788-6792 or contact us online to schedule your free consultation.
