Jacksonville Car Accident Attorneys
Board Certified Civil Trial Lawyers Fighting for Auto Accident Victims
After a serious car accident in Jacksonville, you are facing mounting medical bills, lost wages, and insurance companies trying to pay you as little as possible. At Edwards & Ragatz, P.A., our car accident lawyers have recovered hundreds of millions for accident victims and are backed by over 150 years of combined legal experience.
You owe us nothing unless we win. Call (904) 295-1050 or contact us online today for your free consultation with our Jacksonville car accident lawyers!
What to Expect From Our Jacksonville Auto Accident Lawyers
After a serious crash, you may feel overwhelmed by medical appointments, vehicle repairs, insurance calls, and uncertainty about your future. When you hire our Jacksonville car accident lawyers, our role is to take the legal pressure off your shoulders and guide you through each phase with clarity and purpose.
Below is how we structure and manage your case from day one:
Investigation and Evidence Gathering
A strong case starts with strong evidence. We move quickly to preserve and analyze key information before it disappears. This early groundwork may shape everything that follows.
- Obtain police reports, medical records, and witness statements
- Work with accident reconstructionists to determine fault and impact forces
- Identify all liable parties (not just the driver, but potentially their employer, a manufacturer, or others)
- Document the full extent of your injuries and future medical needs
Dealing with Insurance Companies
Insurance carriers begin evaluating your claim immediately, often looking for ways to limit what they pay. Our car accident attorney steps in so you do not have to handle those conversations alone. Our job is to protect your claim from tactics designed to reduce its value.
- Handle all communications so you can focus on healing
- Counter their tactics to deny or minimize your claim
- Fight against unfair comparative fault arguments
- Ensure you receive every dollar you are entitled to under your PIP coverage
Calculating Your Full Compensation
Many accident victims underestimate what their case is truly worth. We take a comprehensive approach to evaluating damages. We examine:
- Medical expenses (past, current, and future)
- Lost wages and reduced earning capacity
- Property damage and rental car costs
- Pain and suffering
- Loss of enjoyment of life
- Emotional trauma, anxiety, and PTSD
- Permanent disability or disfigurement
Settling too quickly is one of the biggest mistakes injury victims make. Once you accept a settlement, you cannot go back for more money—even if your injuries worsen or new complications arise. Our team works with medical professionals, economists, and life-care planners to make sure your compensation reflects your long-term needs, not just the bills you are facing today.
Negotiation and Trial
We prepare every case as though it will go before a jury in Duval County. Insurance companies recognize when a firm is ready and willing to try a case.
- Develop a litigation-ready file from the beginning
- Present detailed demand packages supported by evidence
- Negotiate from a position of preparation and strength
- File suit and proceed to trial if a fair offer is not made
While many cases resolve through settlement, we are prepared to take your case to court when necessary.
In most situations, you have two years from the date of the accident to file a personal injury lawsuit in Florida. However, certain circumstances can alter this timeline. Acting promptly allows your legal team to preserve evidence and protect your right to pursue compensation.
Types of Car Accident Cases We Handle in Jacksonville
Different kinds of crashes raise different legal and insurance issues that a Jacksonville car accident lawyer must anticipate from day one. Claims involving commercial vehicles, rental cars, or multiple at-fault drivers often require a deeper look at corporate insurance policies and contract language. We also see a growing number of cases involving distracted driving, drunk driving, and speeding—factors that may support a claim for punitive damages under Florida law when the conduct is especially egregious.
Some of the most common car accident matters we handle in Jacksonville include:
- High-speed highway collisions that cause extensive vehicle damage and serious injury
- Rear-End Collisions often caused by distracted driving, tailgating, or sudden stops
- Intersection and red-light crashes where fault is disputed between drivers and witnesses
- Drunk and drug-impaired car accidents that may involve criminal cases running alongside civil claims
- Rideshare and delivery vehicle crashes where multiple insurance policies can apply
- Multi-vehicle pileups on bridges and interstates during heavy traffic or bad weather
- T-Bone crashes that can result in catastrophic injuries because vehicle sides offer less protection than the front
By recognizing early which category your crash falls into, we can focus on the evidence that matters most, preserve critical proof before it disappears, and position your claim for a stronger result in negotiations or, if needed, at trial in the Duval County courthouse.
Immediate Steps to Take After a Car Accident
If you have not already, take these critical actions after an accident in Jacksonville:
- Seek Medical Treatment Within 14 Days: This is mandatory under Florida law. If you do not see a doctor within 14 days of your accident, you forfeit all of your PIP insurance benefits—coverage you have been paying for.
- Document Everything: Take photos of the scene, vehicles, and any visible injuries. Keep all medical records, bills, and correspondence.
- Do Not Talk to the Other Driver’s Insurance Company: They are looking for ways to deny or minimize your claim. Let us handle all communications.
- Call Us Before You Settle: Insurance companies often pressure victims to accept quick, lowball settlements. Once you sign, you cannot go back for more—even if your injuries worsen.
Meet Our Founders
Certified Civil Trial Lawyers on Your Side
When you are recovering from a serious car accident, the opponent you face is often a massive insurance company. To pursue the compensation you deserve, you need a experienced trial lawyer in your corner. Our firm is led by founders who are both Board Certified in Civil Trial Law, a distinction held by fewer than 1% of Florida lawyers.
This certification, administered by The Florida Bar, is earned after passing a rigorous exam, demonstrating substantial trial experience, and undergoing confidential peer review by judges and fellow attorneys. It is not just a title; it is objective proof of deep knowledge and genuine courtroom skill.
Thomas S. Edwards, Jr. has been Board Certified in Civil Trial Law since 1991. His work has earned him recognition in Topverdict’s “Top 50 Largest Car Accident Verdicts in Florida” and Forbes’ “America’s Best-in-State Lawyers” for 2025.
Eric C. Ragatz is also a Board Certified Civil Trial Lawyer and has been honored repeatedly, including 10 consecutive years on the Florida Super Lawyers® list and the highest AV Preeminent rating by Martindale-Hubbell.
This certified knowledge is our pledge to you. We do not just process claims; we build cases designed to win in court. That reputation is why insurance companies know they must take our clients’ car accident claims seriously.
Client Testimonials
Highly-Responsive Team
“A 5 Star Outfit!”
"Edwards & Ragatz is a top-notch legal firm. They represented me with utmost professionalism and compassion. I was never misinformed and they were available 24/7. Everyone in the organization from top to bottom was laser-focused on navigating me through the legal process. I cannot sing their praises enough. A 5 star outfit!"
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"Life presented me with a challenge and after speaking with several law firms, I chose Edwards & Ragatz. Best choice I could have made."Eric picked up the ball and never stopped! He was like a pit bull!Carol
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"Definitely 5 star rating! If I could give more stars, I would! Highly recommend!"I used Jennifer, and she made the process so smooth and explained everything in detail what she was doing, and what was the right move.Sarah V.
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"Mr Doug was on top of my lawsuit he explained every detail, step by steps on how the process works"
My lawyer was Mr Doug I had a wonderful first experience with the law firm and his assistant’s.
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"They were very helpful and patient in their handling of our case"They were very helpful and patient in their handling of our case.Candy
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"The team at Edwards & Ragatz were a wonderful team"The team at Edwards & Ragatz were a wonderful team with whom to work. From the moment we connected on the telephone, my husband and I were represented by them with compassion and professionalism.Charlene M.
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"I know the Value of Team work but also know when people Value there work"From Being in The Marines I know the Value of Team work but also know when people Value there work.Doug B.
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"I wish that I could give them more than a 5-star rating."From the time they first answered my call until the very end of my case, I was met with empathy, professionalism and compassion. Their communication throughout the process was absolutely amazing.Kelci P.
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"Tom Edwards and Eric Ragatz are professionals in every sense of the term."Tom and Eric understand what is at stake and use the law to provide fair and complete resolutions for their clients.Dave A.
Understanding Florida's No-Fault Insurance System
Florida operates under a no-fault insurance system, which can be confusing for accident victims.
Your PIP Coverage (Personal Injury Protection)
- Covers up to $10,000 in medical expenses and lost wages
- Applies regardless of who caused the accident
- Critical: You must seek treatment within 14 days or you could lose this coverage entirely
When You Can Step Outside the No-Fault System
You can pursue compensation from the at-fault driver when:
- Your injuries meet Florida's "serious injury" threshold (permanent injury, significant scarring or disfigurement, loss of bodily function, or death)
- Your damages exceed your PIP coverage limits
- The other driver was clearly at fault and you have suffered substantial harm
Common Challenges We Navigate as Car Accident Lawyers in Jacksonville, FL
- Comparative Fault Arguments: Insurance companies try to blame you for part of the accident to reduce their payout. Under Florida's modified comparative negligence rule, if you are 50% or more at fault, you recover nothing. We fight to minimize your fault percentage.
- Uninsured/Underinsured Motorists: Nearly 20% of Florida drivers lack insurance. We help you tap into your UM/UIM coverage or pursue other recovery options.
- Rideshare Complications: Uber and Lyft accidents involve multiple insurance policies. The driver's app status (on or off, passenger in car, etc.) determines which policy applies. We know how to navigate these complex claims.
- Hit-and-Run Cases: Hit-and-runs accidents account for a significant percentage of Jacksonville crashes. We help identify the responsible party when possible and work to maximize your uninsured motorist claim.
- Pre-Existing Conditions: Insurance companies often try to blame your injuries on pre-existing conditions. We work with medical professionals to show how the accident aggravated or worsened your condition.
Jacksonville-Specific Traffic Challenges We Understand
As Jacksonville car accident attorneys, we understand the unique dangers in our city. Jacksonville is the largest city in the continental United States by area, creating a sprawling network of highways and local streets that present unique hazards:
High-Risk Areas We Know Well:
- I-95 and I-10 Interchange: Heavy congestion and aggressive drivers
- J. Turner Butler Boulevard: High-speed collisions and merge accidents
- Construction Zones: Constantly changing conditions throughout the city's rapid expansion
- Beach Boulevard and Atlantic Boulevard: High pedestrian and bicycle accident rates
Our local knowledge gives us a critical advantage when investigating your accident. We understand how Jacksonville's specific traffic patterns contribute to collisions, and we know the tactics insurance companies use in Duval County.
Frequently Asked Questions
How Long Will My Jacksonville Car Accident Case Take?
The length of a car accident case in Jacksonville depends on factors like how serious your injuries are, how long your medical treatment lasts, and whether the insurance company is willing to negotiate fairly. Some claims resolve within a few months once treatment stabilizes, while others that require filing a lawsuit in Duval County Circuit Court can take a year or more. We walk you through what to expect at each stage so you can plan around your medical care, work, and family responsibilities.
Do I Have to Go to Court for My Car Accident Claim?
Many car accident claims settle without a trial, especially when liability is clear and your medical records are well documented. However, if the insurance company will not make a fair offer, your case may need to be filed in court so a judge or jury can decide the outcome. Preparing every claim as if it could be presented in a Jacksonville courtroom often leads to stronger settlement offers, even when a trial ultimately is not necessary.
What Should I Bring to My First Meeting After a Crash?
For your first meeting, it helps to bring the crash report if you have it, photos of the vehicles and scene, your auto insurance card, and any medical records or bills you have already received. If you collected names and contact information for witnesses or the responding Jacksonville Sheriff's Office or Florida Highway Patrol officers, bring that as well. Having these materials at the beginning allows the legal team to move quickly to secure additional evidence and protect important deadlines in your case.
Schedule a Free Consultation With Our Car Accident Lawyer in Jacksonville
When you suffer injuries in a Jacksonville car accident, healing can happen with our help. Our Board Certified trial lawyers and experienced team are ready to fight for the compensation you deserve while you focus on recovery.
Call (904) 295-1050 or contact us online to start discussing your legal options with some of Jacksonville car accident attorneys. Your consultation is free, and you owe us nothing unless we win.
Jacksonville Car Accident FAQ
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How Long Do I Have to File a Lawsuit After a Car Accident?
In Florida, you have two years from the accident date to file a personal injury lawsuit. Acting promptly helps preserve evidence, prevents insurance company tactics, and ensures you meet all legal deadlines.
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Can I Sue for Pain and Suffering After a Minor Accident?
In Florida's no-fault system, you can sue for pain and suffering if:
- You suffered a serious injury (permanent injury, significant scarring/disfigurement, loss of bodily function, or death)
- Your medical bills and damages exceed your PIP coverage
- The other driver was clearly at fault
Even "minor" accidents can result in serious injuries that appear days or weeks later.
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What If I Was Partially At-Fault for the Car Accident?
Florida follows modified comparative negligence:
- If you're less than 50% at fault, you can still recover compensation (reduced by your fault percentage)
- If you're 50% or more at fault, you cannot recover any compensation
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What if the Other Driver Doesn't Have Insurance?
Your uninsured motorist (UM) coverage can protect you, covering medical expenses, lost wages, pain and suffering, and property damage. While UM coverage isn't mandatory in Florida, it's highly recommended.
If you don't have UM coverage, we may be able to pursue legal action directly against the uninsured driver to recover compensation.
Read about How to Handle an Uninsured Car Accident Claim.
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How Much Does It Cost to Hire Edwards & Ragatz, P.A.?
We work on a contingency fee basis—you pay nothing unless we win your case. This means:
- No upfront costs or retainer fees
- No hourly billing
- No out-of-pocket expenses
- We only get paid if you get paid
This allows anyone to access quality legal representation regardless of financial situation.
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What Counts as a Serious Injury After an Accident in Florida?
Florida law allows you to pursue a claim against the at-fault driver if your injuries meet the "serious injury" threshold:
- Permanent injury
- Significant/permanent scarring or disfigurement
- Loss of a bodily function
- Death
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What Happens If the Accident Involved an Uber or Lyft?
Rideshare accidents are more complex because multiple insurance policies may apply:
- App off – Driver's personal insurance applies
- App on, no passenger – Lyft/Uber provides limited liability coverage
- Passenger in car – Lyft/Uber provides $1 million in liability coverage
Determining which policy applies—and getting the insurance company to pay—requires legal expertise.
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Do I Need a Lawyer for a Minor Accident?
Even "minor" accidents can result in serious injuries that don't appear until days later. Common delayed symptoms include:
- Whiplash and neck pain
- Headaches and concussions
- Back injuries
- Internal injuries
Insurance companies often pressure victims to settle quickly with lowball offers before the full extent of injuries is known.
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Additional Information About Car Accidents in Florida
Common Motor Vehicle Accidents
Common Causes of Car Accidents
- Distracted Driving
- Speeding
- Driving Under the Influence
- Reckless Driving
- Weather Conditions
- Running Red Lights or Stop Signs
- Fatigued Driving
Common Car Accident Injuries
- Whiplash
- Traumatic brain injuries (TBIs)
- Spinal cord injuries
- Broken bones
- Burn injuries
- Internal injuries
- Lacerations and scarring
For more information, download our free car accident and personal injury guides.
We Are Edwards & Ragatz
Explore What Sets Us Apart
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Innovative & Strategic Legal Strategies
At Edwards & Ragatz, P.A., we offer custom legal strategies tailored to your situation. Our approach ensures that we collect higher settlements than what an insurance adjuster might offer.
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Committed to Quality Legal CounselOur commitment to a compassionate legal process means we speak with you on-site at the accident location, offer flexible meeting times, manage paperwork on your behalf, and provide consistent updates.
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Proven Legal Experience & Advocacy
With more than 150+ years of combined legal experience, we have taken on multiple million-dollar corporations and received recoveries through the relentless pursuit of justice.