Orlando Car Insurance Lawyers
If your own insurer or the other driver's is denying, delaying or underpaying your car accident claim in Orlando or anywhere in Central Florida, our car insurance attorneys challenge PIP and UM denials, pursue bad faith under Florida law, and build your case for trial. No fee unless we win. Call (407) 777-8888
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“The reviews speak for themselves. Trust in the process — Alexandra will deliver.”
What's at Stake
We're sorry you're dealing with this. Insurance companies are businesses, and every dollar they don't pay you is a dollar they keep. Even your own insurer has adjusters, software and lawyers working to close your claim for less. Here's what you're up against.
Insurers deny claims hoping you'll give up. A denial isn't the final word, but challenging it takes the policy, the records and the law.
Endless document requests and unanswered calls while your bills pile up. Delay is a strategy to make you accept less.
The first number is usually a test. Once you sign a release, you can't go back for more, even if your treatment isn't over.
A friendly adjuster asks how you're feeling. “Better” or a guess about your injuries can be used to cut or deny your claim.
Let us handle the insurance company.
Alexandra Tosado · Founding Attorney
You shouldn't have to fight the company you've been paying. When they won't play fair, that's our job.
Why You Need a Lawyer
After a crash in Orlando, the insurance company is supposed to help. Too often, it does the opposite. Your PIP insurer says your treatment wasn't necessary or came too late. Your uninsured motorist carrier treats you like an opponent. The other driver's insurer offers a fraction of your medical bills and hopes you're too tired to argue.
Our Orlando car insurance lawyers start with what the insurer has to follow: your policy, Florida's insurance code and the evidence. We get the full policy and the claim history, document your injuries and losses, and put the insurer on notice when it isn't handling your claim in good faith. One of our attorneys, Ali Almamluk, used to defend insurance companies, so we know how adjusters and their lawyers value and fight these claims.
Insurers pay more when they know a jury may see how they handled your claim. We prepare every case for trial from the first day, whether the fight is with your own carrier or the at-fault driver's. Learn how this fits with the rest of your car accident claim.
Disputes We Handle
Whether you're fighting your own insurer or the at-fault driver's, our Orlando car insurance attorneys take on every kind of claim dispute after a crash.
Late-treatment claims, “not medically necessary” letters and IME cutoffs of your no-fault benefits.
When an insurer unreasonably denies, delays or underpays, Fla. Stat. § 624.155 can hold it accountable.
Stalled claims, repeated document requests and unanswered calls. We force a decision.
Step-by-Step
How you respond to a denial or a low offer can protect your claim — or give the insurer more reasons to pay less. Start here.
Got a denial or lowball offer?
Don't accept it, and don't give another recorded statement. Send us the letter. We'll tell you what it means, free.
Don't skip this
We Try Cases
The insurer is betting you'll accept its number. Here's what happens when a case is built for a jury instead.
“Excellent law firm! They won my case in 3 days. And within 2 weeks, the compensation check was ready. All the office staff are very professional and attentive.”
Landmark verdict
40×
The jury's verdict was forty times the insurance company's offer.
Their offer
$30,000
The jury's verdict
$1.2M
The insurance company offered our client $30,000. We turned it down, built the case for trial and put it in front of a jury. The jury awarded $1.2 million — forty times what the insurer said the case was worth.
Jury VerdictPublic Transportation NegligenceOrange County, FL
Past results do not guarantee future outcomes. Every case is different and is evaluated on its own facts. Amounts are gross recoveries before fees, costs and liens.
The Plan
Call, text or fill out the form. It's free and confidential.
We investigate, gather the evidence, handle the insurance company and get your medical care documented.
We negotiate from strength. If they won't pay fairly, we take it to a jury.
No fee unless we win · Se habla español
Insurers change their tune when the paper trail is airtight and they know a jury may see it. Here's what happens once you hire us.
What You Can Recover
Insurers use internal guidelines and software to value claims. We value yours from the evidence, the policy and Florida law.
80% of reasonable medical bills and 60% of lost income, up to your $10,000 limit, plus interest when payments are overdue.
Surgery, therapy, specialists and future care once PIP runs out, from the at-fault driver or your UM coverage.
The 40% of income PIP doesn't cover, plus future earning capacity if you can't return to the same work.
Never covered by PIP. Available from the at-fault driver or your UM policy when the injury meets Florida's threshold.
Repair or replacement of your vehicle and rental costs, and in some claims the car's lost value.
Your own coverage when the at-fault driver was uninsured, underinsured or fled the scene.
Rides to appointments, prescriptions, medical equipment and help at home.
When an insurer acts in bad faith under Fla. Stat. § 624.155, damages it caused, which can exceed the policy limits.
Not sure what your case is worth? We'll tell you, free.
Get My Free Case ReviewFlorida Insurance Law
Florida's no-fault system, its uninsured motorist rules and its bad faith statute all shape what an insurer owes you. Several rules changed in March 2023.
No-fault insurance (PIP). Every Florida driver must carry $10,000 in personal injury protection. It pays first, regardless of fault, but only 80% of medical bills and 60% of lost income. To unlock the full $10,000, a doctor must find you had an emergency medical condition; otherwise benefits can be capped at $2,500. PIP never pays for pain and suffering.
Stepping outside no-fault.To claim pain and suffering from the at-fault driver, Florida requires a serious injury: a permanent injury, significant and permanent scarring or disfigurement, a significant and permanent loss of an important bodily function, or death. That's where most of a serious claim's value is, and where insurers fight hardest.
Uninsured motorist coverage.Florida doesn't require drivers to carry bodily injury liability coverage, and many don't. Insurers must offer UM coverage, and you can only go without it if you rejected it in writing. Your own UM/UIM coverage is a contract, and your insurer has to honor it.
Bad faith (Fla. Stat. § 624.155).Insurers must try in good faith to settle claims when, under all the circumstances, they could and should have done so. Before suing for bad faith, you must file a civil remedy notice with the Florida Department of Financial Services describing the violation, and the insurer gets 60 days to cure it. A first-party bad faith claim against your own insurer generally can't go forward until the underlying claim is resolved in your favor. Since 2023, negligence alone isn't enough to prove bad faith, so the record we build from day one matters.
What Success Looks Like
Facing it alone
With ANT in your corner
The PIP and UM coverage you paid for, actually honored.
Doctors, therapy and the care you'll need in the future.
Paid for your losses and pain, not the insurer's software number.
Someone handled it, and you were treated with respect.
Every case is different. Past results don't guarantee a similar outcome.
Client Reviews
“I switched to ANT Law Firm from a large local firm and it was the best thing I have ever done! As I hold my settlement check in my hands, all I can say is that Alexandra and her team were absolutely exceptional.”
“I had a car accident almost 2 years ago and the previous law firm wasn't able to work my case. A good friend referred me to ANT Law Firm, and our process was flawless since they took over.”
“A very positive experience with the attorney and her entire team — always attentive, kind, and willing to clarify every question. The fact that they are bilingual is a huge plus.”
Why ANT Law Firm
Insurance companies deny, delay and lowball because it usually works. We build every insurance dispute for trial, so insurers have to take your claim seriously — and you pay nothing unless we win.
Straight Answers
As little as possible. Give basic facts: your name, policy number, and the date and place of the crash. Don't give a recorded statement to the other driver's insurer, don't admit fault or apologize, don't guess about your injuries, and don't accept or sign anything. Your own policy may require you to cooperate with your insurer, so talk to a lawyer before any recorded statement or exam. Tell the adjuster your attorney will be in touch, then call our Orlando car insurance attorneys at (407) 777-8888.
Under Florida Statutes § 624.155, an insurer acts in bad faith when it fails to try in good faith to settle a claim when, under all the circumstances, it could and should have done so — for example, by not investigating, unreasonably delaying, denying without a reasonable basis or misrepresenting the policy. Before suing, you must file a civil remedy notice with the Florida Department of Financial Services, and the insurer has 60 days to cure. If it doesn't, it can be liable for the damages its bad faith caused, which can exceed the policy limits. Since 2023, negligence alone isn't bad faith.
Florida drivers must carry $10,000 in Personal Injury Protection (PIP). It pays 80% of reasonable medical bills and 60% of lost income regardless of who caused the crash, up to the limit. You must get initial treatment within 14 days, and the full $10,000 is available only if a doctor finds you had an emergency medical condition; otherwise it can be capped at $2,500. PIP doesn't cover pain and suffering. If your injury meets Florida's serious injury threshold, you can claim against the at-fault driver for full damages.
Because paying less is profitable. Adjusters may use software that undervalues injuries, push you to settle before you know how serious they are, blame pre-existing conditions, point to gaps in treatment and bet that you won't hire an attorney. Our car insurance lawyers answer with documented evidence, medical opinions and a case that's ready for a jury.
Yes. If your insurer wrongly denies a covered claim, unreasonably delays payment or pays less than the policy requires, you can sue it on the policy. That includes PIP, UM/UIM and other first-party coverage. If the insurer also acted in bad faith, Florida's bad faith statute may allow damages beyond the policy limits once the underlying claim is resolved in your favor and the civil remedy notice process is complete.
Florida doesn't require drivers to carry bodily injury liability coverage, and it has one of the highest rates of uninsured drivers in the country. Your uninsured motorist (UM) coverage is designed for this situation, and underinsured motorist (UIM) coverage helps when the at-fault driver's policy isn't enough. Your own insurer may still fight your UM claim. Our attorneys make it honor the coverage you've paid for.
It depends on the dispute and how hard the insurer fights. A PIP billing dispute may resolve in a few months. An injury claim against a cooperative insurer often takes several months to a year. Lawsuits and bad faith claims can take a year or more. We'll give you a realistic timeline once we see the policy and the claim file, and we'll keep you informed throughout.
You're not required to have one. But insurance companies have adjusters, investigators and lawyers whose job is to pay as little as possible, and policy language and Florida's insurance code are full of traps. A car insurance attorney evens the field, values your claim properly and is ready to take it to trial. We work on contingency, so you pay nothing unless we recover for you.
Still have a question? Call (407) 777-8888 or send us a message.
Keep Reading
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How no-fault coverage works, what it pays and the 14-day rule.
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What happens when you negotiate with the insurance company on your own.
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What drives the value of a Florida car accident claim.
Orlando Car Insurance Attorneys
You paid your premiums. We'll make the insurance company honor them and build your case for trial. Your free claim review takes a few minutes, in English or Spanish.
