The Personal Injury Claim Process: What to Expect After an Accident in Florida

Understanding the Personal Injury Claim Process 

If you’ve been injured in a car accident, slip and fall, or other serious incident, you may be entitled to compensation, but navigating the personal injury claim process can feel overwhelming. Each step involves deadlines, paperwork, and insurance adjusters who may not have your best interests at heart. 

That’s why it’s important to understand how the process works and how an experienced Florida personal injury attorney can guide you through it. 

1. Get Medical Treatment Immediately 

Your health comes first. Even if your injuries seem minor, it’s critical to seek medical attention right away. Some injuries, like concussions or internal bleeding, don’t appear immediately but can worsen over time. 

In Florida, timely medical documentation not only protects your health but also strengthens your injury claim. For example, under Florida’s Personal Injury Protection (PIP) law, you must seek medical care within 14 days of an auto accident to qualify for PIP benefits. 

2. Consult a Florida Personal Injury Attorney 

Before speaking with insurance adjusters, contact a Florida personal injury attorney. Insurance companies often try to settle quickly, and for less than your case is worth. 

An attorney can: 

• Evaluate your claim and determine who’s legally responsible (liability) 

• Collect evidence, witness statements, and accident reports 

• Handle all communication with insurance companies 

• Ensure you don’t miss critical filing deadlines 

Most personal injury attorneys in Florida work on a contingency fee basis, meaning you pay nothing unless they win your case. 
 

3. Investigation and Evidence Gathering 

Once you hire an attorney, they’ll start building your case by gathering evidence such as: 

• Medical records and bills 

• Photos or videos of the accident scene 

• Police or incident reports 

• Testimony from witnesses or medical experts 

This evidence helps establish fault and the extent of your damages including both economic losses (like medical bills and lost wages) and non-economic losses (like pain and suffering). 

4. Filing the Claim and Negotiating with Insurance Companies 

After your attorney has the necessary documentation, they’ll file a claim with the at-fault party’s insurance company. This claim outlines your injuries, expenses, and the compensation you’re seeking. 

Your attorney will then negotiate with insurance adjusters on your behalf. Insurance companies often start with lowball offers, so having a skilled negotiator ensures you’re treated fairly. 

If a fair settlement can’t be reached, your attorney may recommend filing a lawsuit to pursue full compensation through the court system. 
 

5. Filing a Lawsuit (If Necessary) 

If negotiations stall, your Florida personal injury attorney will file a formal complaint in civil court. This starts the litigation process, which includes: 

• Discovery: Both sides exchange evidence and take depositions. 

• Mediation: A neutral third party tries to help both sides reach an agreement. 

• Trial: If no settlement is reached, the case goes before a judge or jury. 

Most cases settle before trial, but being prepared to go to court gives your attorney leverage to demand a better offer. 
 

6. Receiving Compensation 

Once your case settles or you win at trial, you’ll receive compensation for your losses. Depending on your case, this may include: 

• Medical expenses (past and future) 

• Lost wages or loss of earning capacity 

• Property damage 

• Pain and suffering 

• Emotional distress 

Your attorney will review the final settlement documents with you and make sure liens (like unpaid medical bills) are properly handled before you receive your payment. 
 

7. How Long Does the Process Take? 

Every case is different. Some personal injury claims resolve in a few months, while others, especially those involving serious injuries or disputed liability, can take a year or more. 

Your attorney will help manage expectations and keep your case moving as efficiently as possible, without sacrificing the value of your claim for a quick settlement. 
 

Protect Your Rights with an Experienced Florida Personal Injury Attorney 

The personal injury claim process can be overwhelming , but you don’t have to face it on your own. The experienced attorneys at Hoskins, Turco, Lloyd & Lloyd are here to handle every detail of your case, from dealing with insurance companies to fighting for the full compensation you deserve. 

If you or someone you love has been injured in an accident, contact Hoskins, Turco, Lloyd & Lloyd today by calling 866-930-6435 for a free consultation. Our dedicated Florida personal injury team will guide you through the process and help you move forward with confidence.