Product liability. Florida allows strict liability claims against manufacturers and sellers of defective products. You don't have to prove the company was careless, only that the product was defective and the defect caused your injuries. In SUV cases that can mean tire blowouts, roofs that collapse in a rollover, faulty electronic stability control or seat belts that fail.
Modified comparative fault. Your recovery is reduced by your share of the blame, and if you're found more than 50% at fault you recover nothing from the other driver. Insurers lean on this in rollover cases, arguing the driver was speeding or overcorrected. Reconstruction evidence is how we push back.
Stepping outside no-fault. PIP pays first. To claim pain and suffering from the at-fault driver, Florida requires a serious injury: a permanent injury, significant and permanent scarring, a significant and permanent loss of an important bodily function, or death.
Rental SUVs. Orlando's tourism means many crashes involve rental SUVs. Federal law generally protects rental companies from liability just for owning the vehicle, but they can be responsible for their own negligence, like renting out an SUV with a known defect or skipped maintenance. If the other driver was uninsured, your uninsured motorist coverage may pay.