Car Accident Injury Claim

14 Keys to Winning a Florida Car Accident Injury Claim


Navigating the aftermath of a car accident can be challenging. In the sunny state of Florida, where the number of cars on the road far exceeds the national average, car accidents are unfortunately a common occurrence. As a result, many drivers find themselves embroiled in a “Florida car accident injury claim” – a complex process fraught with legal jargon, insurance company negotiations, and seemingly endless paperwork. This is where our team at The Law Offices of Jared Spingarn, P.A., also known as Hire Jared, steps in. With nearly two decades of experience in personal injury law, we are here to guide you, using our metaphorical keys to unlock the often confusing realm of personal injury claims.

Florida Car Accident Injury Claim

The First Key: Understand Florida’s No-Fault Law

Florida is a no-fault state. What does this mean for you in the event of a car accident? It means your own insurance company will cover your medical bills and lost wages, regardless of who was at fault. This is known as Personal Injury Protection (PIP).

The Second Key: Know Your Coverage

Understanding your insurance policy is crucial. Coverage can vary, so knowing what your policy entails is vital for any personal injury claim in Florida. This includes the limitations and allowances of your personal injury protection (PIP) coverage.

The Third Key: Hire an Experienced Personal Injury Attorney

Experienced Personal Injury Attorney

The benefits of having an experienced personal injury attorney in your corner cannot be overstated. Navigating the complexities of Florida law, dealing with insurance companies, and advocating for your best interests are just a few of the ways our team at Hire Jared can help.

The Fourth Key: Document Everything

From the accident scene to the medical treatment you receive, documentation is paramount. This includes photos, police reports, medical bills, and even notes about conversations with your insurance company or others involved in the accident.

The Fifth Key: Be Mindful of Florida’s Statute of Limitations

Florida law imposes a time limit on how long you have to file a lawsuit after a car accident. Being aware of this time frame and ensuring you act within it is crucial to your claim.

The Sixth Key: Understand Florida’s Comparative Negligence Law

Florida’s comparative negligence law could impact your claim. If you are found to be partially at fault for the accident, your compensation may be reduced accordingly.

The Seventh Key: Consult with Your Attorney Before Accepting Settlement Offers

car accident injury claim

Insurance companies are not always looking out for your best interests. Before accepting any settlement offer, consult with your attorney to ensure it is fair and just.

While these are the primary keys to navigating a Florida car accident injury claim, remember that every case is unique. Each situation may require additional steps or considerations based on the specific circumstances. Our team at The Law Offices of Jared Spingarn, P.A., are here to help every step of the way.

The Eighth Key: Understanding Serious Injury Threshold in Florida

Florida law stipulates that you can step outside the no-fault system and file a personal injury lawsuit against the at-fault driver only if your car accident injuries meet a certain threshold. Generally, this means you’ve suffered a significant and permanent loss of an important bodily function, permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, or death.

The Ninth Key: Pursue All Possible Sources of Compensation

In many car accident cases, the at-fault driver’s insurance may not be sufficient to cover all your losses, especially if you’ve sustained serious injuries or significant property damage. In such scenarios, you may need to pursue compensation from multiple sources. Your attorney can help you identify these sources, which could include your own uninsured/underinsured motorist coverage, the at-fault driver’s employer (if they were working at the time of the accident), or even a third-party vehicle manufacturer (in case a vehicle defect contributed to the accident).

The Tenth Key: Know What Damages You Can Claim

Punitive damages

In a Florida car accident injury claim, you can typically seek two types of damages: compensatory and punitive. Compensatory damages are intended to compensate you for your losses, including medical expenses, lost wages, and pain and suffering. Punitive damages, on the other hand, are intended to punish the at-fault party for egregious negligence or intentional misconduct and to deter others from similar behavior.

The Eleventh Key: Understanding Pain and Suffering Damages

Florida law allows for recovery of non-economic damages, such as pain and suffering, in car accident cases when the victim has suffered a permanent injury. Calculating these damages is complex as they are subjective and can significantly vary from case to case. An experienced attorney can help you document your pain and suffering and negotiate a fair compensation for these damages.

The Twelfth Key: Be Prepared for a Thorough Investigation

Insurance companies conduct a thorough investigation before deciding to pay a claim. Be prepared for this process, which may involve reviewing your medical history, scrutinizing the accident details, and possibly even conducting surveillance in some cases.

The Thirteenth Key: Don’t Forget the Time Frame

While dealing with an insurance company, remember that the process can take time. Insurance companies can take up to 30 days to respond to a demand letter. In case of a lawsuit, it can take even longer. Patience is key. Your attorney will help keep the process moving along as efficiently as possible.

The Fourteenth Key: Importance of Free Consultation and Case Evaluation

Free Consultation

Take advantage of a free consultation with a personal injury attorney. During this consultation, you can discuss your case, learn about your legal options, and get a feel for the attorney’s experience and approach to your case.

Now that we’ve navigated through the 14 keys to understanding a Florida car accident injury claim, I will move on to answering your specific questions. Please confirm if you are ready.

Frequently Asked Questions

What is the typical car accident settlement amount in Florida?

The typical car accident settlement amount in Florida can vary significantly based on the specifics of each case. Factors influencing this amount include the severity of the injuries, the degree of fault, the impact of the injuries on the victim’s life, the amount of medical bills, and whether the victim suffered any permanent disability or disfigurement. Therefore, it’s challenging to give a specific figure for an ‘average’ settlement. An experienced personal injury attorney can give you a more accurate estimation after reviewing the details of your case.

What is the average settlement for car accident pain and suffering in Florida?

Just like overall settlements, pain and suffering damages vary widely in Florida car accident cases. These damages are calculated based on the severity of the physical pain and emotional distress the victim endures as a result of the accident and their injuries. As these are non-economic damages and highly subjective, it is difficult to provide an average figure. An experienced personal injury attorney can provide guidance on potential values based on past cases with similar circumstances.

How is pain and suffering calculated in a car accident in Florida?

Florida does not use a strict formula to calculate pain and suffering in a car accident. Instead, the court considers factors such as the type of injury, the severity of the pain, the duration of the pain, and how the injury impacts the victim’s daily life. In some cases, the “multiplier method” may be used, which involves multiplying the total medical bills and lost wages (economic damages) by a certain number usually between 1.5 and 5, chosen based on the severity of the injuries. But this method isn’t applied uniformly in every case. A personal injury attorney can provide more insight based on the specifics of your case.

Get insights from the Free Pain And Suffering Calculator article for 2023. Click here.

Who pays for injuries in a car accident in Florida?

Florida follows a no-fault insurance system. This means that after a car accident, each party involved turns to their own insurance company to pay for their medical bills and other out-of-pocket losses, regardless of who was at fault for the accident. The personal injury protection (PIP) coverage in your policy will typically cover 80% of necessary medical expenses and 60% of lost wages up to the policy limits, which is usually $10,000 in Florida.

However, if your injuries are severe and meet a certain threshold, you can step outside of the no-fault system and file a personal injury lawsuit against the at-fault driver. If you succeed, the at-fault driver’s insurance company would be responsible for paying your damages.

Remember, it’s crucial to consult with an experienced personal injury attorney who can provide accurate advice based on your individual circumstances.

For further details on insurance companies covering damages, check out the site here.


If you or a loved one has been involved in a Florida car accident, navigating the complexities of a Florida car accident injury claim can be daunting. Dealing with fault determination, insurance companies, and medical bills while also nursing your injuries can be a herculean task. However, remember this crucial fact: you are not alone.

At The Law Offices of Jared Spingarn, P.A., our team of experienced personal injury attorneys is ready to stand by your side. With a deep understanding of the intricacies of Florida law, our team can negotiate with insurance companies on your behalf, ensuring your rights are protected, and your rightful compensation is pursued diligently.

Dealing with property damage, medical bills, lost wages, or emotional trauma? Act quickly and wisely. Your focus should be your recovery, and ours is to take care of your claim. So, give us a call today for a free case evaluation, and let us assist you in navigating your Florida car accident injury claim. The journey towards securing your compensation and justice begins with a simple phone call.

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