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College Students and Car Accidents

Car accidents are shocking, confusing and damaging events. If you’re a college student in an auto accident, it may be that much more complicated. As a college student you may be of a younger age, experiencing your first car accident, or confused in a strange new city. Whether you attend the University of Central Florida (UCF), Valencia Community College (VCC), Seminole Community College (SCC), Rollins College, or any school in the Orlando metro area or throughout Florida, you shouldn’t have to feel lost in the confusion of a serious car accident.

If you’re a college student in a car accident, a car accident attorney at the Coye Law Firm may be able to help you recover financially by holding a negligent driver responsible for your medical bills, injuries and car repairs.

College Students and Distraction

A college student may find that distraction while driving on the road comes easily. With cellphones, loud music and a car packed with friends, there are many elements of a student’s life that call - sometimes even scream - for attention.

There are many different causes for a car accident. If you find yourself in a situation where focusing on driving becomes too difficult, a car accident may occur with serious injuries, expensive medical bills and complex car repairs.

College Students and Car Accident Injuries

If you’re a UCF student trying to get in and out of busy parking garages, or a Valencia student attempting to navigate the endless construction around Orlando, an auto accident may result with some serious injuries. If you feel hurt in a car accident, go to a hospital first and get a doctor to help you before you worry over lost wages or medical bills. Some common car accident injuries are:

College Students and Car Insurance

College students often move from different states or at least different counties. Sometimes they travel in a parent’s car under their parent’s car insurance. So if you’re a college student in a car accident while driving your parent’s car, you may be asking yourself,

"'Will their car insurance cover me?' The simple answer is yes."

Your parent’s car insurance will cover you as long as you are the driver.

What if you’re moving into a new apartment , and while unloading your car, another driver crashes into your car. Who is responsible for this property damage? Most likely the driver who was at fault, under his property damage liability.

There are a lot of questions about who’s at fault and who’s responsible. Many college students need to drive, whether for commuting to classes or just getting around the city, but car accidents are sometimes the unfortunate side effect of that risk. What will you do in these situations? Don’t hesitate to contact a car insurance lawyer at the Coye Law Firm to get help in understanding and working on your claims for car insurance benefits.

College Students and Florida’s No-Fault Car Insurance


Florida is a no-fault state, meaning that in the event of a car accident, your injuries will be covered under your car insurance (PIP) no matter who is at fault. The state requires drivers to carry $10,000 in personal injury protection and $10,000 in property damage liability.

If you happen to be an out-of-state college student attending school in Florida, the no-fault car insurance may seem a little confusing at first. Different states have different insurance requirements. If you’re not careful, you could be left vulnerable while you’re attending college in a new state. It’s crucial to fully understand your car insurance policy and what it covers before moving to a new state for your education.

Read our white paper on out-of-state car accidents for more detailed information on how to handle those situations.

College Students and a Car Accident Claim

If you are a college student in an auto accident, you may have a claim to lost wages, medical bills or car repairs. Your claim may fall under a few different categories:

If you’re in a car accident, it’s important to take a deep breath and take a couple of necessary measures toward protecting your claim:

  • Use your cellphone to take pictures and document the scene of the car accident
  • Write down names, addresses and phone numbers of all the people involved and any potential witnesses of the accident
  • Get immediate medical attention if necessary and get your car repaired correctly
Going to school and studying for exams can be stressful enough, let alone the possibility of getting in a serious car accident. If you are a college student and find yourself in a car accident and in need of legal counsel from an experienced car accident attorney contact the Coye Law Firm at 1-800-648-4941.