How to negotiate a fair settlement for your car accident injuries in Tampa, FL (2023)

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5. April 2023

How to negotiate a fair settlement for your car accident injuries in Tampa, FL (2)

Negotiating a fair auto accident injury settlement can be a daunting process, especially when navigating the legal system. In this article, you'll learn how to negotiate a fair settlement after a personal injury car accident in Tampa, Florida.

Best practices and strategies are discussed that can help individuals reach an equitable settlement with the guilty party or their insurance company.

In addition, this article explains the benefits of hiring a knowledgeable attorney experienced in personal injury cases in order to achieve the best possible outcome.

⇒ 1800 Ask Gary car accident attorney in Tampa

Table of contents

Overview of car accident laws in Tampa, FL

How to negotiate a fair settlement for your car accident injuries in Tampa, FL (3)

Tampa, FL has a number of laws governing auto accident injuries.

In general, the state requires drivers to have Personal Injury Insurance (PIP) and complete a full fault investigation after an accident.

If damages are found liable, another driver may be required to pay medical expenses related to the injured party's treatment and lost wages caused by the injury.

In addition, other forms of compensation could become available if there is evidence of permanent damage or impairment caused by the accident.

The court can also award punitive damages in certain cases where the responsible driver can be shown to have acted with gross negligence or willful misconduct.

Negotiating a fair settlement requires careful consideration of these factors and all applicable Florida laws.

Gather the required documents

An understanding of the laws relevant to auto accident injuries in Tampa, FL is essential to negotiating a fair resolution.

See also Who is at fault in a truck accident? [and How a Truck Accident Attorney Can Help]

It is also important that all relevant documents and information related to the incident are collected before negotiations begin.

This includes any police reports from the scene of an accident, medical records detailing your injuries and your treatment plan, estimates for repairs to damaged property, and documentation showing the limits of insurance coverage.

In addition, testimonies from witnesses who saw or were involved in the accident, if available, should be sought.

When this material is easily accessible, it becomes easier to bring a case forward in negotiations with insurers or other stakeholders.

Determine the value of your claim

In order to determine the value of your auto accident claim, several factors need to be considered.

This includes medical bills and expenses incurred as a result of the accident, lost wages due to recovery or missed workdays, and pain or suffering sustained.

In addition, it is important to consider the cost of repairing property damage and other potential losses related to the incident.

A fair settlement should cover all damages associated with the accident and may also include punitive damages where negligence can be proven.

A personal injury attorney will help you properly assess these issues so you can receive appropriate compensation for your injuries.

Negotiate with the insurance company

The value of a car accident damage claim should be determined in order to negotiate with the insurance company.

In most cases, the amount depends on factors such as medical bills and lost wages due to absenteeism, both of which should be documented for accurate negotiations.

The injured party should also consider any psychological trauma or physical pain resulting from the incident when determining the amount of compensation.

This may include filing a complaint with a government agency or asking an expert to review your case and consider a settlement.

Additionally, it's important to understand if you have uninsured motorist insurance so that compensation may not come from just one source if more than one person involved in the accident is found liable.

Ultimately, it is important to be informed and prepared before negotiating with the insurance company in order to reach a fair agreement.

See also 5 ways a lawyer can help after a truck accident

If necessary, seek legal representation

In order to ensure that all parties involved in a car accident claim settlement are treated fairly, it is important that those affected have legal representation if necessary.

Having an experienced attorney can help determine a fair and reasonable deal while also defending the rights of the injured party.

A personal injury attorney will be familiar with state and local settlement laws and have access to resources such as expert witnesses or medical professionals if needed.

Ultimately, obtaining a qualified attorney can increase the chances of a favorable outcome, both financially and legally.

frequently asked Questions

What is the statute of limitations for filing a lawsuit related to my car accident injuries in Tampa, Florida?

The statute of limitations for filing a lawsuit related to auto accident injuries in Tampa, FL is four years from the date of the incident.

This means that a victim has four years to sue another party or parties that he believes are responsible for his damage before legal action can no longer be taken.

It is important to note that this period may vary depending on the specifics of the case and it is advisable to consult a qualified attorney before making any decisions about pursuing any litigation.

Is it possible to negotiate a settlement without involving my insurance company?

In some cases it is possible to negotiate a settlement without involving your insurance company, particularly if you can reach an agreement with the other party or their insurer.

If successful, this can eliminate the need for litigation, saving both parties time and money.

It is important to note that legal representation can be beneficial during negotiations as you will understand all of the legal terms of the agreement more thoroughly than either party involved would alone.

How can I determine the amount of compensation I am entitled to?

When determining the amount of compensation a person is entitled to after a car accident, it is important to consider all possible sources of payment.

This may include any personal injury (PIP) protection available under the driver's insurance policy, as well as the guilty party's liability protection.

See also How an Attorney Can Help With Your Car Accident Claim

Additionally, if medical expenses are incurred, health insurance should be taken into account when considering how much compensation could potentially be obtained.

It's also important to understand state motor vehicle accident laws and regulations to ensure potential damages are accurately assessed.

What should I do if the insurance company denies my claim?

When an insurance company denies a claim for auto accident injuries in Tampa, FL, the applicant should first review the denial letter.

This document usually describes why the insurer believes it is not responsible and provides evidence to support its stance.

If the claimant disagrees with this assessment, they may contact their state's Department of Insurance for assistance or appeal directly to the insurer.

If necessary, a lawyer can also be consulted in order to follow the further procedure.

What are the best strategies for negotiating a fair settlement?

Negotiating a fair settlement for auto accident injuries is an important part of the legal process. It requires strategy development and an understanding of the dynamics of insurance companies and their practices.

The best strategies to reach a fair settlement are:

  • gather evidence
  • Accurately calculate damage
  • Be aware of political boundaries
  • Knowing when to compromise
  • have patience in negotiations

Professional advice from a lawyer can also be helpful in understanding the complexities of negotiating a fair settlement.


Negotiating a fair auto accident injury settlement in Tampa, FL can be complicated and overwhelming. It is important to understand the statute of limitations for filing a lawsuit related to these violations and whether it is possible to negotiate a settlement without involving insurance companies.

To make sure you get proper compensation for your damage, you need to know how much you're owed before you start negotiations. If an insurance company denies a claim, individuals should seek legal advice immediately to protect their rights.

Understanding the best strategies for negotiating a fair settlement is essential when attempting to obtain fair compensation following an auto accident injury. Knowing relevant laws and regulations, researching applicable case law, consulting with experienced attorneys and understanding the negotiation process itself can help improve the chances of a favorable solution.


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

The average number stated among Florida law resources for car accident settlements is anywhere from $10,000 to $60,000 or more. As you can imagine, settlement amounts can vary depending on a wide range of factors.

How to negotiate for more from insurance settlement? ›

You Can Negotiate a Settlement. Here's How
  1. Hold Onto Everything. ...
  2. Open an Insurance Claim in a Timely Manner. ...
  3. Estimate the Value of Your Claim Carefully. ...
  4. Write an Effective Demand Letter. ...
  5. Reject the Insurer's First Offer. ...
  6. Highlight Facts that Benefit You. ...
  7. Remain Calm During Negotiations. ...
  8. Hire a Lawyer to Help.

How do I negotiate more money from a car accident claim? ›

7 Tips for Successfully Negotiating for More Money with the Insurance Company
  1. Seek Legal Representation Right Away. ...
  2. Think About a Settlement Amount. ...
  3. Be Cautious About What You Reveal to the Adjuster. ...
  4. Don't Necessarily Accept First Offer. ...
  5. Request the Adjuster to Justify a Low Offer. ...
  6. Highlight Emotional Points.
Nov 9, 2022

How much can you get for pain and suffering in Florida? ›

Generally speaking, there is no cap on the amount of damages that can be awarded for general pain and suffering in Florida. However, if the lawsuit involves medical malpractice, then there is a limit of $500,000 that can be awarded.

Can you sue for emotional distress in Florida? ›

If your employer retaliates or refuses to take corrective action, you can and should file a Florida lawsuit against your employer. U.S. Courts have long held that employees can sue their employers for emotional distress if they are responsible for that distress through action or irresponsible inaction.

How long does it take to settle a car accident case in Florida? ›

It will usually take between four to six weeks for a person to receive their personal injury settlement check in Florida. However, this does vary depending on the extent of your injuries and the complexity of the car accident claim.

What to do if insurance offer is too low? ›

If your insurance settlement is too low, you can negotiate. As stated, insurance adjusters fully expect negotiations to occur — it's a typical part of the process. Before negotiating a new settlement offer, it's helpful to have a rough idea of how much you'd be happy to accept.

Can settlement offers be negotiated? ›

Negotiating a Settlement

Both parties often go back and forth, trying to reach a number that works for both sides. Insurance companies do not like to pay out much on injury claims, so it might take time to negotiate. Most of the time, settlement negotiation takes a few weeks or months after getting the first offer.

How long does it take to negotiate a settlement? ›

The average settlement negotiation takes one to three months once all relevant variables are presented. However, some settlements can take much longer to resolve. By partnering with skilled legal counsel, you can speed up the negotiation process and secure compensation faster.

What reduces the amount paid in a claims settlement? ›

The insurance company pays up to the policy limits. They also reduce the settlement by the amount of any applicable deductible. Car insurance coverage can limit the amount of a settlement even if the damages are greater than the policy limits.

How long does it take to receive compensation after accepting offer? ›

Most states have laws requiring insurance companies to accept or deny claims within a specific period after they've been submitted, often around 30 days.

Can I ask cash from insurance? ›

Some insurers let you ask for a cash settlement. But be careful – you could end up being out of pocket, as many will only pay what it will cost the insurer to rebuild, not what it will cost you to rebuild.

What is considered a permanent injury in Florida? ›

Under Florida's no-fault law, which is §627.737, subsection two, a permanent injury is: a) significant and permanent loss of an important bodily function; b) permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement; c) significant and permanent scarring or disfigurement; ...

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

To calculate pain and suffering, Florida juries can consider a variety of factors, including: The severity of your injuries. The limitations your injuries impose on your daily life. Past, current, and future suffering caused by the injury.

How are personal injury settlements paid out in Florida? ›

If you have settled your personal injury claim, your attorney will receive the settlement check from the insurance company in the mail. He/she will deposit the check into their client trust account, and transfer the money to you accordingly.

Can you sue for pain and suffering from a car accident in Florida? ›

Yes, Florida does allow accident victims to recover damages for pain and suffering from an auto accident in certain situations. Pain and suffering are considered a “non-economic” damages. Unlike, for example, medical bills, there is no clear monetary value for pain and suffering.

What is the impact rule in Florida? ›

What Is the Florida Impact Rule? Florida's Impact Rule is a law that allows someone in a personal injury lawsuit to recover damages for emotional injuries, even if there was no physical impact or touching of any kind during the incident in question.

What is the cap on emotional distress damages in Florida? ›

While Florida does not have a cap on damages for pain and suffering in general, it does limit such awards to $500,000 for medical malpractice claims (though there are exceptions).

How much money do you get from a car accident settlement in Florida? ›

According to the car accident settlement examples listed on this page, the average Florida car accident settlement is anywhere from $300,000 to $6,100,000. Settlements depend greatly on the unique circumstances of each case which is why there is no accurate average settlement amount for car accidents in Florida.

Who pays for medical bills in a car accident in Florida? ›

To sum it all up, the injured person is ultimately responsible for his or her own medical bills following a car accident in Florida. Your PIP insurance will cover the first 80 percent, followed by your primary health insurance.

What percentage does a lawyer get in a settlement case in Florida? ›

If your case settles after the lawyer files a lawsuit (which means a lot more work for the lawyer), the vast majority of lawyers will take 40% off the top of your recovery. You should expect to pay 40% if: you have serious injuries.

How do you handle a lowball settlement offer? ›

What to Do If You Receive a Lowball Offer After a Georgia Car Accident
  1. Stay polite and professional. We understand it's a frustrating and emotional process. ...
  2. Ask questions. Try to figure out why the adjuster reached the conclusion they did. ...
  3. Offer the facts. ...
  4. Put your response in writing. ...
  5. Don't be bullied.

Do insurance companies have to negotiate? ›

Although it's fair to want the best price possible, how much you pay for auto insurance does not have room for negotiation. However, understanding how insurance companies set rates and the factors that affect them may help you achieve a lower rate.

Why are settlement offers so low? ›

When the insurance company thinks the victim is partially at fault or that he or she does not have a strong case, they may be more likely to make a lowball offer. The insurance company does not feel much pressure if they think you have a weak case.

What is an acceptable settlement offer? ›

What percentage should I offer a full and final settlement? It depends on what you can afford, but you should offer equal amounts to each creditor as a full and final settlement. For example, if the lump sum you have is 75% of your total debt, you should offer each creditor 75% of the amount you owe them.

When should you not negotiate? ›

Better Alternative – If your BATNA (Best Alternative To a Negotiated Agreement) far surpasses your need to negotiate, then don't negotiate. Having a superior BATNA that exceeds even the best possible outcome of any negotiation scenario, is simply a waste of time.

What percentage do most injury lawyers take? ›

As a general rule, the personal injury lawyer will receive 33% of the final settlement amount in the case. However, cases that go to trial often incur different costs. The goal of this fee structure is to minimize the client's financial risk in hiring an attorney to represent them.

How long do most car accident settlements take? ›

How long does it take to get a settlement check from a car accident? This depends on the facts of your case, but in general, anywhere between 9-18 months.

How long does it take to negotiate a settlement in Florida? ›

Negotiation and Mediation (2-4 Weeks)

Most personal injury lawsuits in Florida are settled before they go to trial because settling saves both parties time and money. Settling cases out of court also allows insurance companies to keep the details private.

How do attorneys negotiate settlements? ›

Attorneys can present various pieces of evidence, such as expert testimony, accident reconstruction, and official documents, to negotiate for higher settlements. They may also gain leverage by threatening to take legal action on behalf of their clients.

How can I get my insurance company to pay faster? ›

Practical Ways to Get Your Insurance Payments Faster
  1. Front Desk. Getting a claim paid really starts at the front desk. ...
  2. Charge Posting of Encounter Forms. ...
  3. Insurance Claim Submission. ...
  4. Insurance Follow-up. ...
  5. Scanning Documents. ...
  6. Patient Collections. ...
  7. Putting the Pieces Together.

Which insurance company denies the most claims? ›

  1. ALLSTATE. Allstate CEO Thomas Wilson admits that his priority is the shareholders—not the insured parties who have claims. ...
  4. STATE FARM. ...
  5. ANTHEM. ...
  6. UNUM. ...

What are the 3 most common mistakes on a claim that will cause denials? ›

Here, we discuss the first five most common medical coding and billing mistakes that cause claim denials so you can avoid them in your business:
  • Claim is not specific enough. ...
  • Claim is missing information. ...
  • Claim not filed on time (aka: Timely Filing)

What to do with a $100,000 settlement? ›

What to Do with a $100,000 Settlement?
  • Sort Out Tax Implications.
  • Find a Financial Advisor.
  • Pay Off the Debts.
  • Invest in a Retirement Home.
  • Start a Business or Help Friends and Family.
  • Donate the Money to the Needy.
  • Final Words.
Oct 27, 2021

How long does it take for an insurance company to make an offer? ›

Typically, it can take anywhere from one to two weeks for the insurance company to respond to your demand letter. Then it can take anywhere from weeks to months until you reach a settlement that you will accept. Some people accept the first or second offer, while others may accept the third or fourth counteroffer.

How long should I expect to hear back after a counter offer? ›

A reasonable amount of time to respond to a counter offer is within 24-48 hours. This allows the employer to make a well-informed decision and also shows respect for the candidate's time. It might take a few days in certain situations, like when a budget needs to be approved.

What insurance offers cash value? ›

The cash value feature is included on permanent life insurance types like whole life and universal life. Since final expense life insurance is a type of whole life, it can also have cash value and can be a more affordable option for obtaining a policy with cash value.

Does insurance pay actual cash value? ›

A policy that provides actual cash value coverage typically reimburses you for the depreciated value of an item. For example, if a fire damages your TV, a policy with actual cash value coverage would reimburse you for its depreciated value, which may be less than it will cost to purchase a new one.

Can I ask for cash settlement? ›

A cash settlement may be offered so that you can manage the repair or rectification works yourself. A cash settlement can be for part of the repair or for the entire amount of your claim. If you accept a cash settlement, your insurer may not guarantee the quality and workmanship of the repairs.

What is considered a serious injury in a car accident in Florida? ›

(a) “Serious bodily injury” means an injury to a person, including the driver, which consists of a physical condition that creates a substantial risk of death, serious personal disfigurement, or protracted loss or impairment of the function of a bodily member or organ.

How much is bodily injury in Florida? ›

Minimum bodily injury coverage can be $10,000 per person/$20,000 per accident. Recommended coverage is generally higher, and can range from $15,000/$30,000 to $250,000/$500,000 or more. As explained below, you must have bodily injury coverage in order to be eligible to purchase Uninsured Motorist (UM) coverage.

What are examples of permanent injuries? ›

Some examples of the most common injuries which are considered permanent disability include: Post-traumatic stress disorder. Amputation. Cardiovascular or respiratory disease.

Do you have to pay taxes on a accident settlement in Florida? ›

Any compensation you receive because of physical injuries or sickness is not taxable. That includes all medical bills, whether they are for emergency care, physical therapy, follow up visits, or nursing care.

How much is pain and suffering worth in Florida? ›

Generally speaking, there is no cap on the amount of damages that can be awarded for general pain and suffering in Florida. However, if the lawsuit involves medical malpractice, then there is a limit of $500,000 that can be awarded.

What is the emotional distress law in Florida? ›

Under Florida law, to state a cause of action for intentional infliction of emotional distress, a complaint must allege four elements: (1) deliberate or reckless infliction of mental suffering; (2) outrageous conduct; (3) the conduct caused the emotional distress; and (4) the distress was severe.

How does Florida proposal for settlement work? ›

A PFS Florida is good for 30 days once delivered to the opposing party. The offeree must accept the settlement within those 30 days, otherwise, the court considers the offer rejected. One party's rejection of a PFS does not preclude later PFSs being made afterward.

What is the personal injury limit in Florida? ›

PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person's property caused by you or someone else driving your insured vehicle.

Does Florida pay for pain and suffering? ›

Florida law, although complex, does allow accident victims to recover compensation for pain, suffering, emotional distress and mental anguish. To recover this compensation, however, the victim's injuries must meet the statutory standards for severity.

How much can someone sue for a car accident in Florida? ›

How much can someone sue for a car accident? In Florida, there is no limit on the amount of compensation that someone can sue for as because of a car accident.

How do you calculate emotional pain and suffering? ›

Once the attorney has argued for emotional distress damages, he or she will then calculate a settlement amount using what's called a “multiplier method.” It works by adding up all the tangible or economic damages, like medical costs and lost wages, and then multiplying that sum by a given number, usually between 1.5 ...

How much does steroid injection increase settlement? ›

There is no set dollar amount by which injections increase your settlement amount. Some people may find relief with a single shot, while others may need multiple injections over one or more years. Developing side effects can impact your potential settlement value.

What is the average settlement for airbags not deploying? ›

There's no average settlement when airbags fail to deploy. This depends on several factors. Multiple parties can be at-fault for the defective airbag. A lawyer can help you establish who's the at-fault driver when an accident occurs and help you get a fair amount of damages.

What is the most money awarded in a lawsuit? ›

The Largest Settlements and Verdicts in U.S. History, and Why...
  • Tobacco Settlement — $206 Billion. ...
  • BP Gulf of Mexico Oil Spill — $20 Billion. ...
  • Volkswagen Emissions Scandal — $14.7 Billion. ...
  • General Motors Auto Defect Case — $4.9 Billion. ...
  • Talcum Powder Ovarian Cancer Case — $4.69 Billion.

Is there a limit to pain and suffering? ›

How much Can You Sue for Pain and Suffering? In general, there is no limit to the amount you can sue for these damages. However, some states have damage limit caps on these damages. This means there is a limit on this type of damage in a lawsuit.

Who decides the dollar value of the damages of a crash? ›

When negotiating a claim, the at-fault party's insurance adjuster will determine the sum of all medical expenses resulting from the accident, which are known as medical special damages, or special damages.

What percentage do injury lawyers take in Florida? ›

In most cases, in the state of Florida, a personal injury attorney will charge between 10% and 45%, with the average being 33.33%. It's worth mentioning that you can negotiate this amount if needed.

Can you sue for PTSD after a car accident in Florida? ›

Can you sue for PTSD after a car accident in Florida? Yes, you can.


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