Florida Personal Injury Lawyer

When you’re injured in a car accident, slip-and-fall accident, or other personal injury accident caused by someone’s negligence, you may be entitled to compensation for your injuries, medical bills, and lost wages by state law.


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Have you been hurt? The experienced personal injury lawyers at Hoskins, Turco, Lloyd & Lloyd will help you get the compensation you deserve after your Florida accident

When you’re injured in a car accident, slip-and-fall accident, or other personal injury accident caused by someone’s negligence, you may be entitled to compensation for your injuries, medical bills, and lost wages by state law.

However, you should know that the negligent person’s insurance company has professional adjusters and legal staff that will attempt to save the insurance company money by paying out as little compensation to you as possible. That’s why you should contact our personal injury team right away.

At Hoskins, Turco, Lloyd & Lloyd, we have spent over 40 years protecting the rights of injured clients and their families, fighting to get every penny they deserve for an accident that was not their fault.

The highly experienced personal injury team at the Law Firm of Hoskins, Turco, Lloyd & Lloyd is ready to review your injury case today and provide you with your best options for pursuing a possible claim against the negligent person’s insurance company.


Getting started immediately is crucial, as timing can significantly affect the value of your case. One simple phone call to our office is all it takes to evaluate your case and schedule a complimentary consultation with our attorneys. From there, you can rest easily knowing that our experienced Florida personal injury lawyers are looking out for your best interests.

You can also contact us online by filling out a contact form. Our legal team is available 24 hours, 7 days a week to answer any questions you may have. We understand the aftermath of an accident can leave you feeling confused, angry, and stressed about what to do next. Our Florida personal injury lawyers are here for you every step of the way. Click the button below to schedule a free consultation.


What factors can affect personal injury cases in Florida?

Personal injury cases in Florida can be affected by a variety of factors, including the severity of the injury, the circumstances surrounding the accident, and the actions of the parties involved.

Overall, personal injury cases in Florida are complex and can be influenced by a wide range of factors. It is important for individuals involved in such cases to seek the guidance of an experienced personal injury lawyer to navigate the legal process and maximize their chances of a successful outcome.

Looking for a personal injury lawyer in Florida who can help your case succeed?

Tragic accidents happen all of the time in Florida, and many are often caused by the mistakes or poor judgment of others. Any time your accident is caused by  the fault of someone else’s negligence, you have the legal right to pursue a personal injury claim to pay for your damages.

The Law Firm of Hoskins, Turco, Lloyd & Lloyd can provide you with expert legal representation for all types of personal injury cases, including:


Understanding Florida’s personal injury laws

In Florida, there are two specific laws that address personal injury cases:

  1. The first law is the statute of limitations, which sets a time limit for filing a personal injury lawsuit. In Florida, the statute of limitations for most personal injury cases is four years from the date of the accident or injury. This means that if you do not file a lawsuit within this time frame, you may lose your right to seek compensation for your injuries.
  2. The second law is the comparative negligence rule, which determines how damages are awarded in cases where both parties are partially at fault for the accident. In Florida, the comparative negligence rule allows for damages to be reduced based on the percentage of fault assigned to each party. For example, if you are found to be 20% at fault for an accident and the other party is 80% at fault, your damages will be reduced by 20%.

It is important to understand these laws and how they may impact your personal injury case in Florida. Consulting with a knowledgeable personal injury lawyer can help you navigate the legal process and ensure that your rights are protected.

What monetary damages can I expect after I file a lawsuit in the State of Florida?

When you file an insurance claim, you are seeking monetary compensation for any losses or damages that you have incurred. Common forms of damages offered in a settlement or granted after a court award include compensation for:

A successful insurance claim settlement means that the insurance company has agreed to pay you the full amount that you are entitled to, based on the terms of your policy. This can provide you with the financial support you need to recover from the accident that led to your claim.

It is important to carefully document all of your losses and provide the necessary evidence to support your claim in order to increase the likelihood of a successful settlement. Additionally, working with an experienced Florida personal injury lawyer can help ensure you receive the maximum compensation possible for your losses.

What is the timeline of a personal injury lawsuit in Florida?

Filing a personal injury lawsuit typically follows a specific timeline that can vary depending on the complexity of the case and the jurisdiction in which it is being heard.

The timeline generally begins with the incident that caused the injury, followed by the injured party seeking medical treatment and possibly consulting with a personal injury attorney.

During this initial consultation, the lawyer can provide valuable guidance on the applicable laws, potential legal strategies, and the likelihood of success in pursuing a claim. By engaging legal counsel early in the process, the injured party can benefit from timely advice and representation, ensuring their rights are protected, and their interests are advocated for throughout the legal proceedings. If the attorney decides to take on your case, the following legal process commences:


During the discovery phase of a personal injury lawsuit, both parties exchange crucial information and evidence relevant to the case. This includes medical records detailing the plaintiff’s injuries, witness statements, and expert opinions. Depositions may also be conducted, allowing lawyers to gather sworn testimony from witnesses and parties involved in the incident. Through careful questioning, attorneys seek to uncover valuable insights and clarify key details that may impact the case’s outcome.

In addition to document exchange and depositions, the discovery phase may involve interrogatories and requests for production of documents. Interrogatories consist of written questions answered under oath, while requests for production entail submitting relevant documents for inspection. Overall, thorough discovery enables lawyers to evaluate the strengths and weaknesses of their case, laying the groundwork for a robust legal strategy and informed negotiations aimed at achieving a favorable outcome for their clients.

Settlement, negotiation, or mediation

Following the discovery phase, parties in a personal injury lawsuit often seek to resolve the case through settlement negotiations or mediation. During this stage, attorneys for both sides engage in discussions aimed at reaching a mutually acceptable agreement outside of court. Through negotiation, parties may explore various options for compensation and liability, considering factors such as the strength of evidence, potential damages, and the likelihood of success at trial. Additionally, mediation sessions facilitated by a neutral third party provide an opportunity for open dialogue and creative problem-solving to achieve a fair and equitable resolution for all parties involved.


The case will proceed to trial if settlement negotiations or mediation efforts prove unsuccessful. Each side presents evidence, witness testimony, and legal arguments at trial before a judge or jury. The presentation of evidence may include witness testimony, expert opinions, and documentary evidence collected during the discovery phase. Based on the evidence presented and applicable legal principles, the judge or jury will render a verdict determining liability and, if applicable, awarding damages to the injured party. While trials offer a formal forum for resolving disputes, they also entail procedural complexities and uncertainties, underscoring the importance of thorough preparation and skilled advocacy by experienced legal counsel.

If the injured party is successful at trial, they may be awarded damages to compensate for their injuries, medical expenses, lost wages, and other losses. These damages can include compensation for pain and suffering, emotional distress, and loss of enjoyment of life. The amount of damages awarded will depend on the severity of the injuries and the impact they have had on the individual’s life.


However, even if the injured party is successful at trial, lawyers may choose to appeal the decision. This can further prolong the legal process and delay the injured party from receiving the compensation they are entitled to. The appeals process can be time-consuming and costly, as it involves presenting arguments to a higher court and potentially going through another trial.

In some cases, the defendant may also try to negotiate a settlement with the injured party before the appeals process begins. This can be a way to avoid the uncertainty and expense of an appeal, but it may also result in a lower amount of compensation for the injured party.

legal process following a successful trial can be complex and challenging. It is important for the injured party to have a skilled trial attorney on their side to navigate the appeals process and ensure they receive the full compensation they deserve.

Overall, the timeline of a personal injury lawsuit can vary greatly depending on the specific circumstances of the case. It is important for injured parties to work closely with their lawyer to understand the process of dealing with insurance companies and navigating the legal process.

How do personal injury lawyers get paid?

Personal injury lawyers often operate under a contingency fee arrangement, which can be more favorable for clients. Under this agreement, the lawyer works without compensation until the case concludes, either through settlement or a favorable court decision. The fee is contingent upon the outcome of the case, meaning that if there is no successful resolution, the client does not incur any fees. This arrangement underscores the lawyer’s commitment to diligently pursue the best possible results for their clients.

At Hoskins, Turco, Lloyd & Lloyd, our Florida personal injury lawyers only operate on a contingency fee basis, meaning if we do not win a financial settlement for you, you do not pay us.

You don’t need to deal with insurers or navigate complicated legal processes by yourself

Insurance companies are primarily focused on maximizing their profits, which means they will often try to minimize the amount of money they have to pay out in claims. This can lead to them using various tactics to reduce the compensation you are entitled to, such as disputing the extent of your injuries, undervaluing your property damage, or finding loopholes in your policy to deny your claim altogether.

Insurance adjusters are trained to negotiate settlements that are favorable to the company, not necessarily to you. They may pressure you into accepting a lowball offer or try to delay the claims process in the hopes that you will give up or accept less than you deserve. In some cases, they may even use deceptive practices or misinformation to manipulate the outcome of your claim.

It is important to remember that insurance companies are not on your side and that you have the right to advocate for yourself and seek legal representation if necessary. By being aware of their tactics and standing firm in your rights, you can increase your chances of receiving fair compensation for your losses.

What can I expect during a consultation with a personal injury attorney in Florida?

During your initial consultation with your Florida personal injury lawyer, you can expect to have a detailed discussion about the various aspects related to your accident. This may include a review of your insurance policy to determine what coverage is available to you for medical expenses, property damage, and lost wages. Your lawyer will also want to understand the extent of the injuries you have suffered, including any long-term or permanent disabilities that may result from the accident.

Additionally, your lawyer will discuss the damage to your vehicle and any potential claims you may have for property damage. They will review any documentation you have related to the accident, such as police reports, medical records, and witness statements. This information will help your lawyer build a strong case on your behalf.

Another important topic of discussion during your consultation will be any income loss resulting from your injuries. If you have had to miss work due to your injuries, your lawyer will work to calculate the amount of lost wages you are entitled to recover as part of your claim.

Overall, the initial consultation is a crucial step in the legal process of pursuing a personal injury claim. It allows your lawyer to gather important information about your case and develop a strategy to help you seek the compensation you deserve for your injuries and losses.

Whether you are involved in a car accident, truck accident, slip and fall, or any other type of accident caused by someone else’s negligence, you likely have questions about what to do next. Our attorneys are here to assist you in understanding and navigating the various aspects of accident insurance claims, including health insurance, PIP benefits, and rental car entitlements. We are dedicated to helping you receive the compensation you deserve after an accident.

Key evidence to gather to support your Florida personal injury claim

When pursuing a personal injury claim in Florida, gathering relevant evidence is crucial to building a strong case and maximizing your chances of obtaining fair compensation.This evidence serves as the foundation upon which your claim is built, providing substantiation for your assertions and bolstering the credibility of your allegations.

By diligently collecting relevant evidence, you not only strengthen your position but also empower yourself to effectively negotiate with insurance companies or present a compelling case in court.

Medical records

Obtain copies of all medical records related to your injuries, including hospital reports, doctor’s notes, diagnostic test results, and receipts for medical expenses. These documents provide essential documentation of your injuries, the extent of medical treatment received, and the associated costs.

Photographs and videos

If able, take photographs and videos of the accident scene, your injuries, property damage, and any contributing factors, such as hazardous conditions or defective equipment. Visual evidence can help establish liability and demonstrate the severity of your injuries.

Witness statements

Obtain contact information from any witnesses to the accident and ask them to provide written or recorded statements detailing what they saw and heard. Witness testimony can corroborate your version of events and strengthen your claim.

Accident reports

Obtain a copy of any accident report filed by law enforcement officers, property owners, or employers. These reports often contain valuable information about the circumstances of the accident, including statements from parties involved and any citations issued.

Employment records

If your injuries have caused you to miss work or resulted in reduced earning capacity, gather documentation of your employment history, including pay stubs, tax returns, and employment contracts. This information helps quantify your economic damages and loss of income.

Expert opinions

Consider obtaining opinions from medical experts, accident reconstruction specialists, or other relevant professionals to support your claim. Expert testimony can provide valuable insight into the cause of the accident, the extent of your injuries, and the long-term impact on your life. Note, if you hire a Florida personal injury lawyer, your legal team will handle this for you.

Communications with insurance companies

Keep records of all communications with insurance adjusters, including written correspondence, emails, and phone conversations. Document any offers of settlement, denials of liability, or attempts to undermine your claim.

By gathering and preserving key evidence early in the process, you can strengthen your personal injury claim and improve your chances of obtaining a favorable outcome. Consulting with an experienced personal injury lawyer can also help ensure that you collect the necessary evidence and navigate the complexities of the legal system effectively.

Injured in an accident? Contact our Florida personal injury law firm today

40+ years with over $500 million in settlements for accident victims

When you’re injured after an accident, you’re at your most vulnerable state. You’re hurt, you’re in pain. Medical bills are piling up. You’re unable to work. Your life is turned upside down. This is why you should contact our Florida personal injury lawyers immediately.

At Hoskins, Turco, Lloyd & Lloyd, our Florida personal injury law firm has helped thousands of individuals and families recover from serious, life-altering accidents, recovering more than $500 million in verdicts and settlements. We will be with you every step of the way, fighting for your rights and not backing down until you get what you deserve.

Why choose us?

Hoskins, Turco, Lloyd & Lloyd is not like other Florida personal injury law firms. With the personal touch of a small firm and the capabilities and resources of a large one, our attorneys are passionate about advocating for victims and securing justice for our clients. From the moment you contact us, you have our full attention. We understand this is a difficult time for you, and we will do everything in our power to make sure you feel heard, supported, and protected.

What you can expect:

Call us today at (866) 930-6435 for your free consultation

Schedule a complimentary meeting with our attorneys

We have four offices conveniently located all around the Treasure Coast and Lake Okeechobee area, and it costs nothing to talk with us to evaluate your case. There are no fees or costs unless we win a settlement for you. Hoskins, Turco, Lloyd & Lloyd personal injury law firm represents clients in the following Florida cities:

Let us handle the heavy lifting while keeping you informed every step of the way. Receive expert advice and personalized service from a Florida personal injury attorney near you today. Schedule your free, no-obligation case evaluation today when you contact us online or call 866-930-6435.

Types of accidents that we specialize in

The personal injury attorneys at Hoskins, Turco, Lloyd & Lloyd specialize in all types of accidents caused by someone else’s negligence. We represent victims—not insurance companies or corporations.

How does it work? It's a simple 3 step process to get us working on your case.

Step 1

Get a free case review

Complete our confidential evaluation form to have your case reviewed for free by our attorneys and staff.

Step 2

Talk to our team

An attorney or intake specialist will contact you directly to discuss your case at no cost to you.

Step 3

We take action

From the moment you hire us, we will stand behind you, fighting to get the results you deserve.

You don’t have to fight with insurers or handle complex legal processes on your own

Insurance companies do not have your best interests in mind. After you file a claim, they will do anything they can to reduce the amount of compensation you are eligible for—or deny your claim altogether.

An experienced personal injury attorney in Florida will know the exact tactics insurers use to reduce your claim, and they also know the types of evidence and legal arguments that can persuade them to honor the full amount your claim is worth.
When you have a Florida personal injury lawyer at your side handling your case, you can reduce your stress and take comfort in knowing that all of your legal obligations for pursuing your claim are met. We also layout your available options clearly, so you can make informed decisions that work in your best interest.

Learn More

Let us handle the heavy lifting while keeping you informed every step of the way. Receive expert advice and personalized service from a Treasure Coast personal injury attorney near you. Schedule your free, no-obligation case evaluation today when you contact us online or call 866-930-6435.

A team of personal injury attorneys on your side

We take representing injured Floridians seriously. Our team has deep roots in our community, and it is our job to help our injured neighbors recover and restore their lives.

Steve Hoskins

Board Certified Personal Injury Attorney

Email Steve Hoskins

Taylor Hoskins

Personal Injury Attorney

Email Taylor Hoskins

Josh Heller

Personal Injury Attorney

Email Josh Heller

Mark Urban

Personal Injury Attorney

Email Mark Urban

Verdicts and settlements

Case: Motorcycle accident


$11.1 Million

Case: Wrongful death


$1.6 Million

Case: Car accident


$1.2 Million

What our clients say

Our offices

Port St. Lucie Office 1555 NW St. Lucie West Blvd.
Suite 203, Port St. Lucie, Fl. 34986
Fort Pierce Office 02 South Second Street
Ft. Pierce, FL 34950
Vero Beach Office 2101 15th Avenue
Vero Beach, FL 32960
Okeechobee Office 1910 S Parrott Ave
Okeechobee, FL 34974

We’ll review your case for free—no cost, no obligations.

Get the answers you need. We’ll review your case today, for free.

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