Comprehensive visual explanations to help you understand your rights after a catastrophic injury in Florida
Watch essential videos to understand your rights and the claims process
Essential legal information every catastrophic injury victim should understand
Protect yourself from insurance company tactics and understand your coverage
Critical steps to take after a catastrophic accident to protect your rights
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Watch these essential videos to understand your rights, the claims process, and what to expect when working with our team.
Learn the critical first steps to take after a serious accident to protect your rights and maximize your potential compensation.
Discover the common tactics insurance adjusters use to minimize payouts and how to avoid their traps during the claims process.
Get a comprehensive overview of your legal rights and options after suffering a catastrophic injury in the state of Florida.
Time limits for filing different types of personal injury claims in Florida
Years to File
Years to File
From discovery of injury (max 4 years)
Years to File
Missing the statute of limitations deadline means losing your right to compensation forever. Some circumstances may shorten or extend deadlines. Contact Reid Injury Law immediately to protect your rights.
How fault percentage affects your compensation
You can recover damages if you’re less than 51% at fault. Your award is reduced by your fault percentage.
Key Point: If you are 51% or more at fault, you recover nothing. That’s why evidence gathering and liability investigation are critical.
Common strategies adjusters use to minimize your claim
The Tactic: Asking for recorded statements to use your words against you later
Politely decline and refer them to your attorney
The Tactic: Early offers before you know full extent of injuries
Wait until Maximum Medical Improvement (MMI)
The Tactic: Arguing injuries existed before the accident
The Tactic: Exaggerating your percentage of fault
The Tactic: Hoping you get desperate and accept less money
The Tactic: Monitoring activities to discredit injury claims
Types of compensation available in Florida
Calculable Financial Losses
Hospital, surgery, medications, therapy
Transportation, home care, medical devices
Types of compensation available in Florida
Go to ER or doctor within 14 days (PIP requirement), even if you feel fine
Keep medical records, bills, repair estimates, damaged clothing, personal items
Attend all appointments, complete treatment, document missed work days
Types of compensation available in Florida
When you can sue for pain and suffering beyond PIP
Florida is a “no-fault” state, meaning your PIP insurance pays first regardless of who caused the accident. However, you can only sue the at-fault driver for pain and suffering if your injuries meet Florida’s “serious injury” threshold defined in Florida Statute § 627.737.
Cannot perform substantial part of usual activities
Fatal injuries triggering wrongful death claims
Minor sprains, strains without permanent damage
Bruising that heals without lasting effects
Proving "serious injury" requires extensive medical evidence, expert testimony, and detailed documentation showing permanence.
Expect insurance companies to aggressively argue your injury doesn't meet the threshold to avoid paying pain and suffering.
Meeting the threshold can mean the difference between $10K (PIP only) and $500K+ in full compensation.
Missing the statute of limitations deadline means losing your right to compensation forever. Some circumstances may shorten or extend deadlines. Contact Reid Injury Law immediately to protect your rights.
Factors that determine your case value
$10K medical × 2 = $20K total
$10K medical × 2 = $20K total
$10K medical × 2 = $20K total
Critical records needed to prove your case
Establishes immediate injury from accident
Documents scene and initial complaints
Shows severity requiring hospitalization
X-rays, MRIs, CT scans - visual proof
Details of procedures performed
Ongoing treatment and progress notes
Pain levels, limitations, treatment plans
Medications for pain management
Proves economic damages
Future care cost estimates
Comprehensive medical documentation is the backbone of catastrophic injury cases. Missing records, treatment gaps, or incomplete documentation can reduce your settlement by 30-50% or more. Reid Injury Law ensures every piece of evidence is collected and presented.
Factors that determine your case value
Injury at work, during employment
Third party causes work injury
Covered 100%
Covered if you win case
100% of lost income
NOT covered
Fully covered
Limited compensation
Full future costs included
Cannot sue employer
Sue negligent third party
Faster (no-fault)
Longer (prove fault)
Lower compensation
Much higher settlements
What to say and what NOT to say
The safest approach is to have an attorney handle all communications with insurance companies from day one. This prevents costly mistakes and ensures adjusters take your claim seriously.
What to say and what NOT to say
A single ER visit and ambulance ride can cost $15,000-$25,000, exhausting your $10,000 PIP immediately. For catastrophic injuries requiring surgery, rehab, and ongoing care, you MUST pursue a third-party claim against the at-fault driver’s bodily injury policy.
Submit Your Insurance Policy for a Free Review
We understand the importance of having a comprehensive insurance policy that meets your needs. Our team of experts can review your policy and provide you with valuable insights and recommendations to ensure you are fully protected.
Your information is safe with us. We will not share your details with any third party without your consent.
Important: This form is for insurance policy review purposes only. Reid Injury Law specializes in catastrophic personal injury cases. The information you provide will be kept confidential and used solely to evaluate your insurance coverage. We do not sell or share your personal information with third parties. By submitting this form, you acknowledge that you are providing sensitive personal information voluntarily for the purpose of obtaining a free insurance policy review.
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