May 6, 2025

If you’ve recently been in a car accident and you’re experiencing chest pain, you might be wondering, “Is this normal?” “Should I go to the doctor?” “Could it be something serious?” The short answer? Yes, chest pain after a car accident should never be ignored, as it could be a warning sign of a serious underlying injury. At The Reyes Firm, we’ve helped countless Florida residents who thought their pain was “nothing serious,” only to learn later it was a fractured rib, internal bleeding, or a cardiac contusion. In this article, we’ll walk you through: Why does chest pain occur after a crash What symptoms to look for When to seek medical care How Florida law treats chest injuries in car accident claims What your legal rights are What Causes Chest Pain After a Car Accident? Even at low speeds, a car accident creates a sudden stop, and your body absorbs that force. The most vulnerable area? Your chest. Especially with seatbelts and airbags applying pressure across the upper body, it’s common for people to experience pain in their ribs, sternum, or even internal organs. Common Medical Causes of Chest Pain After a Car Accident: Bruised Ribs or Sternum – Caused by seatbelt compression or impact with the steering wheel. Fractured Ribs or Sternum – Painful breaks that worsen with breathing, coughing, or movement. Muscle Strain – Often due to sudden jerking motions (like whiplash), causing strain in chest muscles. Internal Organ Damage – Injury to vital organs such as the heart, lungs, or others due to the crash’s impact. This can be life-threatening. Cardiac Contusion – A bruised heart muscle, potentially leading to irregular heartbeat or worse. Pneumothorax (Collapsed Lung) – This can cause severe pain, shortness of breath, and low oxygen. Airbag or Seatbelt Injuries – These safety devices save lives, but can also cause bruising and inflammation. Delayed symptoms are common. Just because you didn’t feel anything at the crash site doesn’t mean you’re in the clear. Symptoms You Shouldn’t Ignore Every person experiences pain differently, but when it comes to chest pain after an accident, err on the side of caution. Here are signs that your chest pain may be severe: Sharp, stabbing pain when you breathe, cough, or move Pressure or tightness in the chest Bruising or tenderness across the rib cage Swelling or visible deformity Difficulty breathing or shortness of breath Dizziness or lightheadedness Nausea or vomiting Coughing up blood Rapid heartbeat If you notice any of the above, go to the ER immediately or your nearest urgent care clinic. Why Prompt Medical Attention is Crucial A mistake we often see clients make is that they try to “tough it out.” That’s a bad idea for two big reasons: 1. Hidden Injuries Can Be Fatal Internal bleeding, a punctured lung, or a cardiac contusion may not be obvious right away. The adrenaline rush from a crash often masks pain. What feels like a sore muscle might be a rib fracture poking toward your lung. 2. Your Legal Claim Depends on Early Documentation In Florida, the sooner you seek treatment, the stronger your case will be. Medical records that link your chest pain to the crash are key evidence in a personal injury case. Pro Tip: Ask your doctor for a copy of your medical report and diagnostic scans (like X-rays or CT). These will help prove the injury was directly caused by the accident. Your Legal Rights in Florida: What You Need to Know Florida is a no-fault state, meaning your Personal Injury Protection (PIP) insurance will pay for initial medical expenses, regardless of who caused the accident. However, if your injury is severe, you might be eligible to pursue a claim against the driver responsible for the accident. At The Reyes Firm, located right here in Tampa, we help clients with chest pain after car accidents get compensation for: Medical bills (including future treatment) Lost wages due to time off work Pain and suffering Emotional trauma Permanent disability or scarring When Can You Sue in Florida? Under Florida Statute §627.737, individuals involved in a motor vehicle accident are generally limited in their ability to sue for non-economic damages (such as pain and suffering) due to Florida’s no-fault insurance system. However, an exception to this limitation exists when the injured party suffers one of the following: Significant and enduring damage to an essential bodily function A lasting injury that is medically determined to be permanent with reasonable certainty Significant and permanent scarring or disfigurement Death These exceptions allow an injured person to pursue a liability claim against the at-fault driver for non-economic damages. If your injuries meet the criteria, speak with a licensed personal injury attorney in Florida to assess your case. For the full text of the statute, visit: Florida Statute §627.737 – Tort exemption; limitation on right to damages Time Limits: Florida’s Statute of Limitations As of March 2023, Florida law gives you 2 years (not 4) to file a personal injury lawsuit. That’s why acting fast is crucial — don’t wait until it’s too late. How The Reyes Firm Can Help You At The Reyes Firm, our Tampa car accident lawyers understand how overwhelming it can be to deal with medical appointments, insurance paperwork, and mounting bills — all while trying to recover from an injury. That’s why we’re here to take the pressure off and handle the legal side of things so you can focus on healing. And here’s something that matters: You don’t pay us unless we win your case. We work on a contingency fee arrangement, meaning we only get paid if we win compensation on your behalf. Here’s what we do: Free consultations — no pressure, just answers Thorough investigation of your crash and injuries Work with medical experts to document your chest pain and its long-term effects. Handle negotiations with insurance companies that try to downplay your suffering. Take your case to trial if needed — we’re not afraid to fight for the full compensation