Motorcycle Accident Lawyer in Coral Gables, 33134
Insurance Companies Blame Riders First. We Spend Every Case Proving Them Wrong.
Motorcycle Accident Lawyer in Coral Gables, FL
Florida law gives Coral Gables motorcycle crash victims a major advantage over people in car accidents: you do not have to use PIP insurance first.
You do not have to wait until you spend $10,000 on medical bills, and you do not have to prove your injury is permanent. From the moment of the crash, CHG Lawyers goes after the other driver's insurance directly — in full — without the long delays that slow down car accident claims.
- Using crash experts to defeat arguments that you weren't wearing a helmet
- Finding every source of money, including your own policy and commercial insurance
- No upfront fees. No fees unless we win.
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Recent Recoveries for Our Injured Clients
Motorcycle accidents cause terrible injuries. We fight to get you every dollar possible by looking at all insurance policies, including commercial and uninsured driver coverage.
Settlement, South Florida
Jury verdict, Miami-Dade
Settlement, South Florida
Under Florida Statute 627.733, motorcycles do not have to use the no-fault PIP insurance system. This is not just a detail. It is the rule that lets you go after the other driver's full insurance to pay for your injuries from day one.
No PIP Insurance Required — What This Means for Your Case
For a Coral Gables motorcyclist, CHG Lawyers acts fast in the first three days. We send legal letters to save security camera video and vehicle data, demand the other driver's insurance company save evidence, start your claim against them immediately, and look for any other source of money to pay for your damages.
First step after crash
Car victim: File PIP claim — $10,000 coverage — weeks of documentation.
Motorcyclist: Go after the other driver's insurance directly from day one.Serious injury threshold
Car victim: Must document permanent injury before pain & suffering claim.
Motorcyclist: No permanent injury rule — you can claim all damages immediately.Pain & suffering
Car victim: Only available after threshold documentation is complete.
Motorcyclist: Available immediately through a direct claim.Medical expense recovery
Car victim: First $10,000 through PIP at 80% — then bodily injury.
Motorcyclist: Get all your medical bills paid by the other driver's insurance from day one.Procedural delay
Car victim: PIP claim processing period before full claim can be built.
Motorcyclist: No waiting periods — we build your case from the moment you are hurt.
Uninsured Driver Coverage: Even without PIP, if you have uninsured or underinsured motorist coverage on your own policy — or on a household vehicle — you can use it if the other driver has little or no insurance. CHG Lawyers will check your policy for this coverage on day one.
I Wasn't Wearing a Helmet
Florida Statute 316.211 allows riders over 21 to ride without a helmet if they have a small medical insurance policy. Not wearing a helmet does not automatically mean the crash was your fault.
Beating the Insurance Company's "Helmet Defense"
Under a 2023 Florida law (HB 837), if you are found more than 50% at fault for a crash, you get nothing. Insurance lawyers will try to blame you for not wearing a helmet to push your fault above 50% so they don't have to pay a dime.
CHG Lawyers beats this trick by using crash and medical experts to prove:
If you have spinal, bone, or internal injuries: A helmet would not have prevented injuries below the neck. We use medical experts to show the helmet had nothing to do with your injuries.
If you have head or brain injuries: We look closely at how the crash happened — including the speed, angle, and impact. We use experts to show whether a helmet would have actually changed the outcome, rather than just accepting the insurance company's word.
In all cases: The other driver caused the crash by turning in front of you or changing lanes without looking. What you were wearing did not cause the crash. We hold the careless driver responsible.
Dangerous Streets for Motorcycles in Coral Gables
US-1 (South Dixie Highway): This is a busy, fast highway where drivers constantly change lanes or turn left without looking. Many crashes happen near SW 27th Avenue and near the University of Miami campus.
University of Miami Campus Area: This area has many young drivers, visitors, and delivery drivers who don't know the streets or are distracted. Many are in rental cars or rideshares (like Uber or Lyft). Rideshare drivers have large $1,000,000 commercial policies that we can go after.
Ponce de Leon Blvd, Le Jeune Road, and Douglas Road: These roads are packed with busy commuters. Most crashes happen at intersections like Bird Road and Sunset Drive. Drivers turning left often crash into oncoming motorcyclists.
Alhambra Circle: This is a quiet, winding road, but drivers pulling out of driveways or side streets often fail to see motorcycles. Drivers feel too safe here, which makes them careless.
Florida's 2023 Law Change — Who is at Fault
Under Florida law, if you are found more than 50% at fault for a crash, you get nothing. Insurance companies use four common excuses to blame you. We use crash experts and physical proof to beat them:
Not wearing a helmet
We show a helmet wouldn't have prevented your injuries, or we prove the other driver's careless driving was the real cause of the crash.
Speed
We use skid marks, vehicle damage, and physical proof to show your true speed and prove the other driver left you no way to avoid them.
Lane position
We prove you were in your lane legally and that the other driver had a duty to check their mirrors and yield before moving.
Visibility / dark clothing
We prove that any alert driver would have seen you in time to stop, no matter what color clothes you were wearing.
Why Choose CHG Lawyers for Your Coral Gables Motorcycle Case
- Local office at 2525 Ponce de Leon Blvd: We drive and ride these same streets every day. We know the local traffic patterns and intersections firsthand.
- No PIP insurance delays: We go after the other driver's insurance from day one. No waiting periods, no medical threshold requirements, and no delays.
- Beating the helmet excuse: We use top crash and medical experts to prove that not wearing a helmet did not cause your injuries.
- Investigating rental cars and Uber/Lyft: We identify commercial policies, rideshare coverage, and rental company policies immediately after a crash near the college campus.
- Checking every source of money: We search for all available coverage, including your own uninsured driver policy, commercial insurance, and the other driver's assets.
- Bilingual and free review: We speak English and Spanish. You do not pay us a penny unless we win your case.
What to Do After a Motorcycle Crash — In Order
Follow these critical steps to preserve your claim and your health.
Call 911
Accept an ambulance ride. Even if you can stand. Shock can hide serious injuries like spine fractures, internal bleeding, or brain trauma. Refusing transport gives the insurance company an excuse to claim you were not hurt.
Keep Your Riding Gear
Keep your helmet, jacket, and gloves. Do not throw them away. The damage to your gear is physical proof. It helps experts reconstruct the crash by showing the angle, speed, and point of impact.
Photograph Scene
Take pictures of your bike, the other vehicle, road markings, skid marks, traffic signs, and your injuries from different angles.
Get Witnesses
Write down names and phone numbers of everyone who saw the crash. Their statements are critical to proving the other driver was at fault.
No Statements
Do not give recorded statements to any insurance company. Under Florida's 50% at fault law, early statements about your speed, lane position, or helmet use can destroy your case.
Call CHG Lawyers
Because you do not have to wait for PIP insurance, we can start your claim immediately. Security camera footage can be deleted in 24 to 72 hours. We send legal letters to preserve evidence and start your claim today.
Why Miami Families Choose CHG Lawyers
Experienced trial attorneys. Deep Coral Gables knowledge. Fully Bilingual.
If I could give 5 more stars I would! Partner Igor Hernandez handled my case from the very beginning. He's knowledgeable, well versed in personal injury laws, and works diligently to achieve the best outcome.
These attorneys are amazing! I had a case with another lawyer I had to fire because he wouldn't pay attention to my case. CHG took my injury case over, got straight to work, and resolved it faster than expected.
I must say I had the best experience possible. Everyone I talked to was fantastic. John represented me and did an awesome job. I am very happy with the outcome.
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Questions Coral Gables Motorcycle Accident Victims Actually Ask
I wasn't wearing a helmet when I crashed. Can I still recover?
Yes — and this is one of the most important things to understand before you speak with any insurance company. Florida Statute 316.211 permits riders over 21 to ride without a helmet with $10,000 in medical benefits coverage. Helmet absence is not automatic negligence and is not automatically a reduction of your recovery. Whether it affects your specific claim depends on your specific injuries. If your injuries are spinal, orthopedic, or internal, a helmet has no biomechanical relevance — the helmet argument is inapplicable. If your injuries include head or brain trauma, CHG Lawyers retains biomechanical engineering experts who analyze whether the specific crash dynamics — speed, angle, impact point — would have altered the injury outcome with helmet use. In many crash scenarios, the answer is that they would not. Do not accept the insurer's framing that helmet absence is a fact that limits your recovery before that analysis is done.
The at-fault driver only has minimum coverage — $10,000. What happens to my damages?
Minimum bodily injury coverage in Florida is $10,000 — designed for fender-bender car accidents, not catastrophic motorcycle crashes. When a motorcyclist's damages reach six or seven figures and the at-fault driver has minimum coverage, the recovery layers are: your own UM/UIM policy on your motorcycle or any household vehicle, which covers the gap between the at-fault driver's policy limits and your damages up to your UM/UIM limits; commercial vehicle coverage if the at-fault driver was working at the time — employer liability under respondeat superior or a commercial fleet policy can carry coverage far above personal minimums; punitive damages against the at-fault driver personally if impairment was involved; and in some cases, the vehicle owner's liability if the driver did not own the vehicle they were operating. CHG Lawyers identifies every coverage layer from day one — the gap between minimum coverage and catastrophic damages is exactly where complete investigation changes the outcome.
I was filtering between lanes when the crash happened. Does that hurt my claim?
Lane filtering and lane splitting are not legal in Florida — and an insurer will raise this if it applies to your crash. The question is whether the filtering was the proximate cause of the crash or a contributing condition that the at-fault driver's negligence caused regardless. If a driver changed lanes without checking mirrors and struck you while you were filtering, their failure to check mirrors and their duty to yield before changing lanes exists independently of where you were in the lane. CHG Lawyers builds accident reconstruction that distinguishes the at-fault driver's proximate negligence from your lane position — and does not concede that filtering automatically makes a crash your fault. The 51% bar means the fault percentage matters enormously. Every point below 51% preserves full recovery.
The driver who hit me was working when it happened. Can I sue their employer?
Yes — if the driver was acting within the scope of their employment at the time of the crash, employer vicarious liability attaches under respondeat superior. This applies whether the driver was making a delivery, operating a company vehicle for work purposes, or in any other employment-related capacity. Commercial vehicle policies carried by employers frequently have coverage limits far above personal auto minimums — in catastrophic motorcycle crash cases, identifying employer liability is often the difference between a policy-limits case and a case that pays the full damages. CHG Lawyers investigates employment status and vehicle ownership in every case where the at-fault driver may have been working.
CHG Law
With years of experience in the field of personal injury law, the attorneys at CHG Law in Coral Gables, Florida, near Miami, have a proven track record of success. They have helped clients recover millions of dollars in compensation, and they are ready to help you too.
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2525 Ponce de Leon Blvd. Suite 300
Coral Gables, FL, 33134 - (305)-501-8021
- help@chglawyers.com
You Don't Pay Until We Win
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