Minor property-damage-only claims may not need a lawyer. Consider talking to an attorney if you went to the ER or needed ongoing treatment, if fault is disputed, if a commercial vehicle, rideshare, or government vehicle was involved, if the at-fault driver is uninsured, if an insurer is asking for a recorded statement or medical authorizations, or if you have received a low offer. Florida’s shorter two-year deadline and comparative fault rules make early advice more valuable. Consultations at Alpha Law Group are free, so there is little downside to getting your questions answered.