Canadians involved in car accidents in Florida. 

Florida is the number one destination for Canadian Snowbirds.  Whether heading to Disney World or the beautiful sandy beaches, cold chilly northern residents flock to the state to hibernate the winter away.

Florida is viewed as great state to retire to, visit, and if you have a Florida residence – having friends and family visit.  Who does not like Disney World.  As a fact it is the number one destination for tourists across the world.  In addition, Wellington and Ocala are looked on as the premier winter equestrian destinations for dressage, jumpers, and hunters.  Lets not leave out it is the home to more sports franchises, training facilities, and championship teams in all of North America.

florida car accident

Do you know where Snowbird go in Florida?

  • Florida absorbs an estimated 2 million seasonal Snowbirds from across North America who stay a month or more every winter.  Snowbirds’ raise the state’s population by 6%.
  • About 200,000 snowbirds flock to Palm Beach County, raising the population by 11%.
  • Roosting snowbirds boost the population of Jupiter (a city in West Palm) by an estimated 17%; Delray Beach by 14%; Boynton Beach and Palm Beach Gardens by 11%; and, The Town of Palm Beach’s population soars by an extra 75%. (Courtesy of the Palm Beach Post – 2017)
  • Snowbirds’ are relatively wealthy and well insured.
  • Florida is the ONLY mainland State reliably not freezing in January.
  • It is estimated Canadians make up the majority of Snowbirds.  In 2018 – Florida reported that nearly 3.5 million Canadians visited the state.
  • According to the Canadian Embassy, Canadians who visit Florida annually contribute more than $6.5 billion to the state’s economy. Tourism is a critical component of Florida’s thriving economy, supporting and creating thousands of jobs across the Sunshine Sta

Florida is a leading car accident state.

  • Florida has the most uninsured drivers than any other state in the Union.
  • According to figures from the Florida Department of Highway Safety and Motor Vehicles, more accidents occur during Florida’s winter months than any other time of the year.  This directly correlates with Snowbird migration, i.e. November 26th to March 31.
  • Florida experiences the highest number of accidents in December, January and February.
  • The National Highway Traffic Safety Administration notes I-95 and I-75  in Florida are two of the most dangerous highways in the United States.

florida accident attorney

The majority of Florida’s car accidents happen in the following cities:

  1. Miami
  2. Fort Lauderdale
  3. Tampa Bay
  4. Orlando
  5. Cape Corral
  6. Jacksonville
  7. West Palm Beach
  8. Panama City
  9. Fort Myers

Florida is a “nofault” state. That means, in the event of a car accident, you look to your own auto insurance policy first to make a claim for medical expenses, regardless of fault.

Florida (has minimum) Car Insurance Requirements:

Bodily Injury Coverage: $10,000 per person and $20,000 per accident

Property Damage Coverage: $10,000 per accident

Person Injury Protection: $10,000

The state of Florida recommends drivers purchase uninsured/underinsured motorist coverage (UM) to protect them from being injured by another driver who has purchased little or no bodily injury coverage. However, Uninsured and Underinsured coverage can be rejected in writing by Florida drivers.  It is suggested that 70% of the car accidents in Florida leave seriously injured victims unable to recover all their damages.

TORT claims: If you are injured in a motor vehicle accident in Florida (section 95.11(3)(a)), states you have four years, to file a lawsuit for compensation.  If you do not bring an action within the prescribed time you will be barred from doing so. You can sue the at fault driver for personal injury compensation if you pass Florida’s “Threshold”.  You must be suffering from a “Permanent”, or “Serious Impairment”, or, “Disfigurement” in order to bring an action.

Canadians involved in car accidents in Florida have two of the most valuable insurance coverages available: A) their personal car insurance policy and, B) in a very bad life threatening situation their provincial health insurance coverage.  For example the provinces of Ontario, Quebec, and British Columbia, have excellent statutory accident benefit regimes that far exceed anything that is available in Florida.

This leads us to another fact:  If you are a Canadian who purchased a Florida car and consequently has Florida car insurance – BEWARE.  Florida car insurance (is exceptionally expensive) and in most instances is grossly inadequate when compared to what you normally have in your home province.  

Sound complicated?  That is where Snowbirdaccidents.com comes in.  For over 35 years we have been helping seriously injured Canadians and Snowbirds get the best legal, medical and rehabilitation they are entitled to.

We recommend two Florida law firms that you should consider hiring.  Both are excellent law firms.  They understand how complex, cross border accidents are.  They work collaboratively with lawyers in Canada and other states to help protect you and your family’s legal rights and remedies.


snowbird accident helpline

snowbird accidents


Michael Cerasa Personal Injury Lawyer Florida

Michael Cerasa
Personal Injury Attorney

The Cerasa Law Firm is consistently rated as one of Central Florida’s best firms for accident and injury law. It’s all they do. The firm’s sole mission is to level the playing field and ensure their clients are treated fairly.  Cerasa Law strives to develop a close and trusting relationship with each and every client.  They work collaboratively with Canadian Counsel to make sure that those complicated cross border claims are properly represented.

Cerasa Law Firm

You should never settle for less than you deserve. The price for pain is infinite, and that’s why we will fight for full and fair compensation for you. At Morgan & Morgan, we try more cases than any other law firm in the country. Some law firms never go to court, and many haven’t had a verdict in years. They’ll take the last best offer—even if the case is worth 100 times that. Not us. Morgan & Morgan has over 800 attorneys who aren’t afraid to go to trial for your rights and compensation.

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