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Almost never. Initial offers from insurance companies are designed to close your claim quickly and cheaply, often before you fully understand the extent of your injuries. Once you accept a settlement, you cannot go back and ask for more. Let an attorney review the offer and negotiate on your behalf before you sign anything.
Florida requires PIP coverage but does not require bodily injury liability coverage. If the at-fault driver is uninsured or underinsured, you may still have options through your own uninsured/underinsured motorist (UM/UIM) policy. We review your coverage and identify every available source of recovery.
Every case is different. The value depends on the severity of your injuries, the cost of your medical treatment, how much income you have lost, the impact on your daily life and the strength of the evidence establishing fault. Our attorneys evaluate each case individually and fight for the maximum amount available under the facts.
Under Florida’s modified comparative negligence law (HB 837, enacted in 2023), you can still recover damages as long as you are not 51% or more at fault. Your compensation will be reduced by your percentage of fault. If you were 20% responsible, for example, your recovery is reduced by 20%. Insurance companies routinely try to exaggerate your fault, so having an attorney who can counter those arguments is critical.
You have two years from the date of the accident to file a personal injury lawsuit in Florida. This deadline is set by Florida Statute 95.11. If you miss this window, the court will almost certainly dismiss your case, and you will lose your right to recover compensation. Contact an attorney promptly to protect your claim.