A car or truck accident can change your life in seconds. One moment, you’re driving to work or running errands — the next, you’re facing medical bills, physical pain, and uncertainty about your future. When another driver’s negligence causes your injuries, Florida law gives you the right to seek justice and financial recovery.
At Moore Payne Law, Attorneys Geoff Moore and Spencer Payne are dedicated to protecting accident victims and their families across Florida. They have extensive experience handling complex auto and trucking accident claims, standing up to large insurance companies and corporations to ensure their clients receive fair and full compensation.
Common Causes of Car and Truck Accidents in Florida
Florida’s busy roads and highways — from I-95 to I-75 — see thousands of serious crashes every year. Most of these accidents are preventable and caused by negligence such as:
- Distracted driving: texting, phone use, or GPS distraction.
- Speeding or aggressive driving.
- Driving under the influence of alcohol or drugs.
- Fatigued or drowsy driving, especially among long-haul truckers.
- Failure to yield, tailgating, or unsafe lane changes.
- Poor vehicle maintenance (e.g., worn brakes or tires).
- Overloaded or improperly secured cargo.
When these factors lead to catastrophic injuries, Moore Payne Law helps victims hold negligent drivers, trucking companies, and insurers accountable.
Car Accidents vs. Trucking Accidents: Key Differences
While all vehicle crashes can cause serious harm, trucking accidents are often far more complex and devastating.
Commercial trucks can weigh up to 80,000 pounds — meaning even a low-speed impact can result in catastrophic injuries. These cases often involve multiple responsible parties, such as:
- The truck driver
- The trucking company or employer
- The cargo loader or shipper
- The truck manufacturer or parts supplier
- Insurance and logistics companies
Because the trucking industry is heavily regulated under federal safety laws (FMCSA regulations), these cases require deep legal and technical knowledge. Moore Payne Law’s attorneys have the resources and expertise to investigate violations and prove liability in even the most complex truck crash cases.
What to Do After a Car or Truck Accident in Florida
The steps you take immediately after a crash can greatly impact your health, safety, and ability to recover compensation.
- 1.
- Call 911. Report the accident and request emergency medical assistance.
- 2.
- Document the scene. Take photos of vehicles, road conditions, injuries, and debris.
- 3.
- Exchange information. Get driver details, insurance info, and witness contacts.
- 4.
- Avoid admitting fault. Even apologizing can be used against you later.
- 5.
- Seek medical attention. Some injuries, like concussions or internal trauma, appear hours later.
- 6.
- Contact Moore Payne Law before speaking with insurance adjusters.
Their attorneys can handle all communications, preserve evidence, and begin building your case while you focus on healing.
Understanding Florida’s “No-Fault” Insurance System
Florida is a no-fault insurance state, meaning each driver’s Personal Injury Protection (PIP) insurance covers their own medical expenses and lost wages — regardless of who caused the accident.
However, when injuries are serious or permanent, victims can step outside the no-fault system and pursue a personal injury lawsuit against the at-fault party.
Qualifying injuries may include:
- Significant and permanent loss of a bodily function
- Permanent injury or disfigurement
- Death of a loved one (wrongful death claim)
Moore Payne Law helps clients determine whether their case meets Florida’s legal thresholds and ensures all insurance and court filings meet strict deadlines.
Proving Liability in Auto and Truck Accident Cases
To secure compensation, victims must prove that another party’s negligence caused their injuries. Moore Payne Law uses a thorough investigative process that includes:
- Reviewing police and crash reports
- Analyzing surveillance or dashcam footage
- Retrieving truck “black box” data and driver logs
- Consulting accident reconstruction experts
- Examining maintenance and inspection records
- Interviewing witnesses and first responders
By uncovering every piece of evidence, the firm builds strong, trial-ready cases that maximize client recovery.
Types of Injuries After a Serious Crash
Car and truck accidents often result in life-altering injuries, such as:
- Traumatic brain injuries (TBI)
- Spinal cord injuries and paralysis
- Broken bones and fractures
- Internal bleeding and organ damage
- Burns or disfigurement
- Emotional trauma and PTSD
These injuries can require years of rehabilitation and lead to permanent disability. Moore Payne Law ensures that every injury — physical and emotional — is fully documented and valued.
Compensation Available to Florida Crash Victims
Victims of car and truck accidents may be entitled to recover damages for:
- Medical expenses: hospitalization, surgeries, and long-term care
- Lost income: wages missed during recovery
- Reduced earning capacity: if injuries prevent future employment
- Pain and suffering: physical and emotional distress
- Property damage: vehicle repairs or replacement
- Wrongful death damages: for families who’ve lost a loved one in a fatal crash
Moore Payne Law fights to ensure insurance companies pay what victims truly deserve — not just what they’re willing to offer.
Why You Need an Experienced Florida Accident Attorney
Insurance companies often act quickly after a crash — not to help victims, but to protect their bottom line. They may delay claims, minimize injuries, or push low settlements.
Attorneys Geoff Moore and Spencer Payne have extensive experience handling high-stakes accident cases involving severe injuries, commercial trucks, and wrongful death. They understand the tactics insurers use — and how to fight back.
Their approach combines compassionate client care with aggressive advocacy to secure full and fair compensation for every client.
Moore Payne Law: Standing Up for Florida’s Injured Drivers
Every crash victim deserves justice. At Moore Payne Law, Attorneys Geoff Moore and Spencer Payne are proud to represent Floridians injured by negligence on the road.
Their mission is to restore balance — ensuring that victims are heard, compensated, and supported during their recovery. Whether through negotiation or litigation, they fight for what’s right.
If you or a loved one has been injured in a Florida car or truck accident, contact Moore Payne Law today for a free, confidential consultation.
![[object Object]](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fbadge-4.8c37bbef.png&w=256&q=75)
![[object Object]](/_next/static/media/best-lawyers.d967c813.svg)
![[object Object]](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fbadge-6.dc6a7289.png&w=256&q=75)
![[object Object]](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fbadge-7.6d0093c7.png&w=1200&q=75)
![[object Object]](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fattorney-badge-number-one.4364b1cd.png&w=3840&q=75){kind=icon}
