Panama City Beach is one of the most visited tourist destinations on the Gulf Coast, attracting millions of visitors annually. The massive seasonal population surge creates a unique driving environment where local residents share narrow coastal roads with unfamiliar out-of-state drivers. Hurricane Michael (2018) devastated Bay County’s infrastructure, and ongoing reconstruction continues to create construction zones and road hazards throughout the area.
At Monge & Associates Injury and Accident Attorneys, our Panama City Beach personal injury lawyers have recovered over $1 billion for injury victims since 1993. Whether you were injured in a car accident, truck collision, slip and fall, or lost a loved one due to negligence, we are ready to fight for you.
Contact us or call (850) 809-0287 for a free consultation. You pay nothing unless we win.
Practice Areas in Panama City Beach
Car Accident Lawyer
Aggressive representation for collisions on US-98 (the primary east-west coastal highway) and throughout Bay County.
Truck Accident Lawyer
Holding trucking companies accountable for crashes caused by overworked drivers, poorly maintained equipment, and federal regulation violations.
Slip and Fall Lawyer
Pursuing property owners who fail to maintain safe premises for visitors and customers.
Wrongful Death Lawyer
Helping families seek justice and financial security after a preventable death.
Motorcycle Accident Lawyer
Fighting for fair compensation for riders injured by negligent drivers.
Panama City Beach Office Location
Monge & Associates Injury and Accident Attorneys
130 Richard Jackson Blvd
Panama City Beach, FL 32407
Phone: (850) 809-0287
Florida’s Modified Comparative Negligence Rule and What It Means for Your Panama City Beach Case
Florida follows modified comparative negligence with a 51% bar (Fla. Stat. § 768.81, as amended by HB 837 in 2023). If you are 51% or more at fault for your injuries, you are barred from recovering any compensation. If you are 50% or less at fault, your recovery is reduced by your percentage of fault. Medical malpractice claims are exempt from the 51% bar and still follow pure comparative negligence.
Why this matters: Insurance companies now have a powerful financial incentive to push your fault above 50%. If they succeed, you recover nothing. This makes it critical to have experienced legal representation from the start, before you give a statement or accept any fault.
Florida’s No-Fault Insurance System: Florida is a no-fault state. Drivers carry $10,000 in Personal Injury Protection (PIP), which covers 80% of medical expenses and 60% of lost wages up to the policy limit, regardless of who caused the accident. You must seek medical treatment within 14 days of the accident or lose PIP benefits. To step outside no-fault and file a lawsuit, you must have a significant and permanent injury (Fla. Stat. § 627.737).
Serving Panama City Beach and Surrounding Communities
Serving: Panama City, Lynn Haven, Callaway, Springfield, Parker, Mexico Beach, Destin, Fort Walton Beach, Defuniak Springs, and communities throughout Bay, Walton, Washington, Holmes, and Gulf counties
Why Choose Monge & Associates Injury and Accident Attorneys in Panama City Beach
$1 Billion+ Recovered. Since 1993, our firm has recovered over $1 billion for injury victims across the country.
No Fee Unless We Win. We work on a contingency fee basis. You pay nothing unless we recover compensation for you.
Local Knowledge, National Resources. Our Panama City Beach attorneys understand Bay County’s courts, judges, and insurance practices while drawing on the resources of a nationwide firm with 60+ offices.
Panama City Beach Personal Injury FAQs
How long do I have to file a personal injury lawsuit in Panama City Beach?
Florida gives injury victims two years (Fla. Stat. § 95.11(3)(a), as amended by HB 837, effective March 24, 2023) to file. Wrongful death claims must be filed within two years from the date of death (Fla. Stat. § 95.11(4)(d)).
What is Florida's fault rule?
Florida follows modified comparative negligence with a 51% bar (Fla.
Is Florida a no-fault state?
Yes. Florida is a no-fault state.
How much does a Panama City Beach personal injury lawyer cost?
Monge & Associates Injury and Accident Attorneys works on a contingency fee basis. You pay nothing unless we win.
Where will my Panama City Beach personal injury case be heard?
Most cases are heard in the Bay County Circuit Court, part of the Fourteenth Judicial Circuit.
What areas do you serve from your Panama City Beach office?
Our Panama City Beach personal injury lawyers serve clients throughout Bay County and the surrounding area, including Panama City, Lynn Haven, Callaway, Springfield, Parker, Mexico Beach, Destin, Fort Walton Beach, Defuniak Springs, and communities throughout Bay, Walton, Washington, Holmes, and Gulf counties.
Contact a Panama City Beach Personal Injury Lawyer at Monge & Associates Injury and Accident Attorneys
If you have suffered a personal injury in Panama City Beach, the team at Monge & Associates Injury and Accident Attorneys is ready to fight for the recovery you deserve.
Call us today at (850) 809-0287, or contact us online for a free consultation.