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And now, with Florida’s new tort reform laws, Under House Bill 837, passed in 2023, the law limits how far back providers can bill for care. That shifts the spotlight onto your pre-existing conditions. Defense lawyers are going to lean hard into that. 

If you had a back injury 10 years ago and you don’t tell us, they will find it, and they’ll use it to argue that this injury isn’t new.

So if you had an accident five years ago, let us know. If you’ve seen a chiropractor before, tell us. Even if you believe it is unrelated, please provide us with the full picture.

3) Don’t Post It, or They Will Find It

I know it’s second nature now, like posting updates, sharing photos, and checking in at your favorite spots. However, if you are in the middle of an injury claim, stop. Right now.

Because I promise you, the insurance company is watching. Their attorneys are watching. If you wouldn’t want a jury to see it on a projector screen in court, don’t put it online. Facebook check-ins. Gym selfies. Poolside shots. Comments that sound like you’re doing “fine.” These things get twisted fast. 

What feels like an innocent post can be used to downplay your pain, question your credibility, or even sink your claim.

According to the ABA Journal, more than 90% of insurance defense attorneys are now using social media to evaluate claims. That’s just the reality. We’ve seen too many strong cases take a hit because someone didn’t think before posting.

So my advice is, lock down your accounts, stop posting, and don’t message about your case online. If something doesn’t feel clear, call us. It’s always better to talk now than to sort through chaos later, when the damage is already done.

4) How Insurance Coverage Affects Who Will Pay

When we talk about coverage, we’re looking for the insurance that applies to your situation. In most injury cases, that means bodily injury (BI) coverage, which helps cover your medical bills, pain and suffering, and long-term effects. If your car’s damaged, we’re also looking at property damage (PD) coverage.

Sometimes the person who caused the crash hands over an insurance card but the policy’s canceled. Maybe they stopped paying. Maybe their name’s not even on the policy. Sometimes they let someone else drive their car, and the insurance doesn’t apply at all. That’s when we start running into denied claims.

This is also why we always check your policy for uninsured or underinsured motorist coverage (UM/UIM). That’s the coverage that steps in when the other driver doesn’t have any or enough insurance to cover your losses. And sadly, that happens more often than you’d think.

You could be doing everything right, like having your seatbelt on and stopping fully at the red light, and still get hit by someone with no insurance. That’s why this part of the investigation means so much. Here's a brief explanation of coverage and liability investigation.

5) What Carter Injury Law Does Behind the Scenes to Investigate Your Case

We’re pulling crash reports, tracking down witnesses, and requesting surveillance footage when it’s available. If it’s a car accident, we may try to inspect the vehicles involved, pull black box data, or even get dash cam footage. If it’s a fall or injury on someone’s property, we send out preservation of evidence letters and requests to inspect the scene.

We’re also sending letters to the other side to preserve what they have. Once a lawsuit is filed, it’s a different ballgame. But even before that, we're laying the groundwork to ensure that nothing important is overlooked or conveniently "lost."

If it feels like nothing’s happening right after you sign up, I get it. However, the first 30 to 60 days are one of the most important windows in your case. Legally, we have to give the insurance companies time to respond to our requests. That’s just to get the policy.

During this time, we’re digging into liability, insurance coverage, witness contact, medical history and the overall picture. That’s why it might feel like a waiting game but trust me, this phase is anything but passive.

So yes, you might go a couple of weeks without a major update. But that doesn’t mean your case is stuck. And we’ll always tell you what we know, even if what we know is that we’re still waiting. You won’t be left in the dark. 

6) We’ve Got Your Back; Let Us Handle the Rest

The days after an injury feel heavy. There’s pain, there’s confusion, and then there’s the weight of what comes next. Let us worry about the forms, the letters, the phone calls you don’t want to make. 

You focus on healing, on breathing, on living. Because while your body and mind mend, we’re quietly working in the background—piecing it all together so you don’t have to. 

We understand that this process is deeply personal. You’re a person who’s been through something hard, and we don’t take that lightly. Every call, update, and move we make is dedicated to put your mind at ease.

And if you find yourself wondering, confused, or just needing a little clarity—call Carter Injury Law at 813-922-0228. Because sometimes, that’s the first step toward peace. 

When someone offers to pay your medical bills after an accident, that offer isn’t an admission of fault. In Florida, the law (Fla. Stat. § 90.409) specifically says you can’t use that kind of offer as proof that the other person caused the accident or was responsible.

Why? Because sometimes people make these offers just to be polite, or to avoid a fight—not because they’re admitting they’re at fault. That means if the case goes to court, you can’t stand up and say, “But they offered to pay my bills, so they must be guilty.” The judge won’t let that fly.

So while it might feel like a good sign or a kind gesture, legally, it doesn’t mean much. It’s just an offer. And unfortunately, it doesn’t guarantee you any real protection or compensation down the road.

2) Who Should Be Paying Your Medical Bills After an Accident?

After a crash, it’s natural to wonder who’s actually on the hook for your medical bills. Let’s clear that up. In Florida, the first place to look is your own insurance, specifically PIP (Personal Injury Protection). This coverage pays for about 80% of your medical bills, up to $10,000. It’s there to help you get care quickly without waiting for someone else to admit fault.

Now, if your accident isn’t a car crash, say you slipped on a wet floor or got bitten by a dog, you might have what’s called Medical Payments Coverage under someone’s policy. That usually kicks in up to about $5,000 to cover those bills.

Once those limits are hit, or if you don’t have those specific coverages, your health insurance steps in. Medical providers can send bills straight to your health insurance, so you don’t have to deal with negotiating those payments yourself.

Here’s something important to remember:

“In Florida, over 90% of auto insurance policies include PIP coverage but many drivers still don’t know how to use it.”
 

(Source: Florida Office of Insurance Regulation)

Knowing this can make a big difference in getting your bills covered without rushing into a deal that might leave you short later.

3) The Insurance Trap: The $4,000 Offer That Costs You $40,000

Right after the accident, an insurance company might call you up with an offer—say, $4,000 or $5,000—to cover your medical bills. It sounds like a quick fix, and on the surface, it might seem fair. But there’s a catch that could cost you way more down the road.

Before they hand you that check, they’ll ask you to sign a release. And that release isn’t just about the money in front of you. Once you sign it, you’re giving up your entire claim. That means no more money for surgery, rehab, or any pain and suffering that shows up later. You’re locked in, no matter what happens next.

The problem? Medical bills can skyrocket fast, especially in emergencies. For example:

“Average ER visit in Florida after a car accident costs $3,300–$7,500 before diagnostic imaging or follow-ups.”

(Source: Florida Health Price Finder)

That initial $4,000 offer might cover a visit or two, but it won’t touch what happens if your injuries need more care later. So before you sign anything, it’s critical to think about what you’re really giving up and who’s truly looking out for your best interest.

4) Progressive, Allstate, and the Swoop & Sign Tactic

You’ve probably heard about it — the infamous “swoop and sign” move. Companies like Progressive and Allstate are known for rushing in right after an accident, offering to pay your medical bills quickly. It sounds helpful, but it’s really a tactic to get you to settle before you even know how badly you’re hurt.

They want you to sign a release fast, locking you into a deal that saves them millions. And the truth is, once you sign, there’s no going back — even if you need surgery down the line or your pain lasts for years.

It’s not just hearsay.

“Insurance companies save millions annually by settling claims before full injuries are diagnosed.”

(Source: Consumer Federation of America)

That’s why it’s crucial not to rush into anything. Don’t let them swoop in and shut the door on what you might really deserve. Here’s an explanation video about all of their infamous tactics.

5) Your Injuries Deserve Time And So Does Your Claim

It’s easy to underestimate an injury in the beginning. The adrenaline hasn’t worn off yet, you’re just trying to get through the day and then someone waves a check in your face. However, injuries evolve. And they rarely get better on a schedule that fits an insurance company’s timeline.

Maybe your back seizes up at work, and your doctor tells you you’ll need surgery. Or you start getting those hospital bills in the mail, and they’re a lot higher than anyone expected. Or maybe it’s just this dull pain that creeps in once the meds wear off, and it doesn’t go away.

These things take time to show up. Understanding the value of your claim also takes time. Settling too early doesn’t just cut you short — it can leave you footing the bill for injuries you didn’t even know you had yet.

6) Before You Sign Anything, Talk to Someone Who’s On Your Side

You do not owe anyone a signature immediately following an accident, not the other driver, the insurance adjuster, or the person offering to pay your bills. You have every right to pause, ask questions, and get a clear picture of what’s really being offered.

We offer free, confidential case evaluations. You tell us what’s going on, we’ll walk you through your options. And if the offer on the table is fair, we’ll tell you that, too.

The paperwork may look simple. The dollar amount might seem reasonable. But once it’s signed, it’s done. You can’t go back. And what you don't know about your recovery, needs, or rights may be the most expensive part of all.

There’s no obligation to hire us, no pressure to commit. You only get one chance to settle this the right way. One chance to protect your health and your future. Rushing that decision for the comfort of right now? That’s how people end up paying twice. Once with pain and once with regret.

Call us before you sign. Before you settle. Before you say yes.

— U.S. Bureau of Labor Statistics

That number might sound like just another stat, but behind it are real people trying to answer the same question you're asking. And the answer isn't always obvious. So, if you're not sure what you can handle, let your doctor, not your boss, not your attorney, or even your gut guide your decision. Because once we know where you stand physically, we can start building everything else around that.

2) You Have a Duty to Try And It’s Called ‘Mitigating Damages'

This legal idea often trips people up sometimes. Mitigating your damages sounds complicated, but it’s actually pretty straightforward.

It means that if you’re able to do something to reduce the financial impact of your injury, like working, you’re expected to try. Not to suffer.

So let’s say your old job had you lifting 50-pound boxes. That might be off the table for now. But could you do something else at work? Could you answer the phone? Could you type? Maybe your employer can shift you to something lighter for a while and by the way, they’re not just doing you a favor.

without making things worse.

“Under the Americans with Disabilities Act (ADA), employers must provide reasonable accommodations unless doing so causes undue hardship.”

 — ADA National Network

That means your employer should be open to working with you, if you ask. And if they won’t? We deal with that too,  but the key is to make the effort. Because if you don’t, and the case goes to trial later, the other side will say you didn’t even try to get back on your feet.

3) What If You Can’t Work? Just Document Everything

Look, sometimes, there’s just no way around it. The injury is too serious. You can’t do your job, not even a little bit. And that’s okay. Nobody expects you to work through pain or risk making things worse.

However, if you can’t work, you need to prove it. It’s about building your case so the insurance company can’t deny what’s real.

Start by gathering doctor’s notes that clearly say you can’t work, pay stubs showing what you made before the injury, and all the way through the time you’re off. If you asked your employer for accommodations and they denied them, keep those emails. 

This documentation becomes your strongest evidence. It’s what helps your lawyer show the court or the insurance company that you lost income because you simply couldn’t work. The clearer and more organized you are, the better.

4) The Harsh Truth About Lost Wage Claims

Insurance companies and defense attorneys don’t like to pay for time you weren’t working. They’ll dig into your medical records, question your injury, and act like sitting out of work was optional. It’s not personal. It’s business. But that doesn’t make it fair.

Let’s say you miss three months of work and lose $15,000 in income. Best case? You wait 2 to 3 years while we argue with the insurance company. You go to trial, maybe. Eventually, they agree to pay. You get your $15,000 and then you pay taxes on it.

Meanwhile, your rent was due three years ago. The grocery bill didn’t wait. And that money you finally got? It’s not worth what it would’ve been if you’d earned it in real time.

That’s why we always tell clients not to stay out of work just for the case. If you can’t work, we’ll fight that fight. But if you can work, don’t delay just hoping for a bigger check later. The system doesn’t reward that. Here's a quick video breakdown of your current situation.

5) Don’t Lose 3 Years of Pay Waiting on a Settlement

Insurance companies don’t see your time off as proof you were hurt. They see it as an opportunity to argue that you didn’t try to recover, didn’t try to work, didn’t mitigate damages. And while you’re waiting for them to come around, your bills keep coming, your savings shrink, and your stress skyrockets.

We don’t want that for you. Our job is to make you whole but no one can turn back time. That’s the honest truth. We’re here to help recover what you lost, but if you missed 3 years of income unnecessarily, there’s no legal miracle that gets those years back.

So here’s what we tell every client: if you can earn your paycheck now, earn it. Be honest with yourself and your doctors.

6) Accommodations, Modified Duties, and Real-Life Examples

If you’re a landscaper or a mechanic, the work is physical. You’re lifting, bending, carrying. That’s not something you can just push through with a sore back or a busted shoulder. It’s not safe, and frankly, it’s not possible.

However, not all jobs look like that. If you're in a more flexible role — maybe you’re in an office, working at a computer, answering phones — there may be a way to keep working, even with limitations. Ask for a modified duty assignment. Request accommodations. Sit instead of stand. Type instead of lift.

“Only 37% of U.S. jobs are primarily physical labor.”

 — Bureau of Labor Statistics

That means most people can return in some form but it has to make sense for your body and your role.

7) Got Questions? Let’s Tackle ’Em Side by Side

The truth is, no two injuries and no two people are exactly the same. Some folks bounce back quickly. Others carry pain you can’t see. That’s why you don’t have to figure this out in a vacuum. That’s not the expectation, and it’s definitely not the smart play.

So if you’re unsure, if you’re hesitating, if you just want someone to explain what’s smart, what’s fair, and what’s next — that’s what we’re here for.

Call us. Before you return to work, after you have tried, or whenever you are ready.

— U.S. Department of Justice

The first step is just getting your story in front of the right people and seeing if we can resolve it the straightforward way. And more often than not, we can.

2) “But I Don’t Want to Sue My Landlord (or That Nice Old Lady)”

We hear this more often than you’d think — someone gets hurt, they know they need help, but there’s this hesitation. “I don’t want to sue my landlord.” Or, “She was just an old lady who made a mistake.” And hey, we get it. No one wants to feel like they’re attacking someone they know, or someone who didn’t mean to cause harm.

However, you’re not actually going after them personally. What you’re really doing is filing a claim through their insurance. That’s what insurance is for.

It’s not about being aggressive. It’s about being made whole. If you’re injured and facing medical bills, time off work, or long-term issues, you deserve help and the system is set up to provide that help through insurance.

“1 in 3 people involved in an accident hesitate to seek legal help because they don’t want to sue.”

— American Bar Association Consumer Perception Survey

You’re not being difficult. You’re not being dramatic. You’re just protecting yourself and that's a smart move.

3) When Does a Claim Turn Into a Lawsuit?

Most claims move along just fine. We send the demand, the insurance company responds, and we go back and forth trying to reach a fair number. But sometimes, things stall.

Maybe the offer that comes back is way too low. Maybe they flat-out deny the claim. Or maybe… they just don’t respond at all. When that happens, we have to ask a different question: Is it time to take the next step?

Yes, and it’s called filing a lawsuit. Now, just to be clear, filing a lawsuit doesn’t mean you're heading to court tomorrow. What it does is give us more tools to work with. We can request evidence, take depositions, and apply pressure that we can’t during the claims process.

And even then, most of these cases still don’t go to trial. Filing just keeps the process moving forward when the other side stops cooperating.

“Nearly 70% of personal injury lawsuits settle before they ever reach trial.”

 — National Center for State Courts

So, if it reaches that point, it’s not a failure. It’s just the next phase. And we’ll walk you through it every step of the way.

4) What Happens If You Do Have to Sue?

Alright, so let’s say the insurance company won’t budge and you decide it’s time to file. Here’s what that actually looks like.

We draft a document called a complaint. That’s the official legal filing that lays out your case like who was responsible, what happened and what damages you're claiming. Once it's filed with the court, a process server delivers it to the person or company you’re suing.

Yep, this is the moment where someone actually says, “You’ve been served.” It’s not quite like the movies, but it’s still a real thing.

From there, the case moves through a few phases: there’s discovery (where both sides exchange information), possibly depositions (interviews under oath), and if it doesn’t settle during those stages, it heads toward trial.

Now the good news is you’re not handling all this on your own. We take care of prepping documents, dealing with deadlines, and keeping everything moving. Your job is to focus on healing and staying informed. We handle the rest.

“The average personal injury lawsuit lasts 12–18 months from filing to resolution.”

 — Martindale-Nolo Research 2022 Personal Injury Study

It’s not a fast process, but it’s not meant to be rushed. It’s meant to get you the result you deserve and we’ll make sure it’s done right. Here's a video from David Carter that can help simplify the process…

5) Why You Shouldn’t Wait to Call a Lawyer Even If You Don’t Want to Sue

Look, we know the idea of calling a lawyer can feel like you’re jumping into something big. And if you’re not even sure you want to sue, you might think, “Why bother yet?”

When we’re brought in early, we can  gather the right documentation, like your medical records, accident reports, photos, and case specific items before anything goes missing or gets complicated. We make sure deadlines aren’t slipping by. And we deal with the insurance companies so you’re not stuck on the phone trying to figure out what to say and what not to say.

This is what’s called pre-suit support, and it’s a huge part of what we do. We’re helping clients navigate the process, set things up properly, and negotiate from a position of strength.

“Accident victims who hired a lawyer received 3.5 times more in compensation than those who didn’t.”

 — Insurance Research Council

So no, you don’t need to be ready to sue just to talk to us. But having someone in your corner early on? That can make a whole lot of difference later.

6) You Have Options And Support

Somewhere between the pain and the paperwork, people start to feel alone. Like the whole thing is too big, too messy, and too legal. However, you’re not in a lawsuit unless you file one. And even then, you’re not in it alone.

If you have questions, ask them. If something feels off, say so. Call us before you file or even before you think about it. We’re here to walk you through it, patiently, clearly, and without pressure.

• Health insurance pays the hospital, sure. But you’re still on the hook for deductibles, co-pays, physical therapy, maybe ambulance rides and none of it touches your pain and suffering.
  
  

• Uninsured motorist (UM) coverage kicks in when the other driver does not have adequate coverage and helps you recover everything else. Things that don’t show up on a receipt but change your life all the same.
  
  

“The average hospital bill after a serious crash is over $62,000.” 

— National Safety Council

And that’s just the beginning. That number doesn’t include the lost income. The years of therapy. The things you won’t get back.

So ask yourself, do you want a policy that just pays a few bills, or one that protects your future?

4) Insurance Agents Don’t Always Tell You the Whole Truth

I’ve heard some things from insurance agents that should make your jaw drop. The big one?

“You don’t need uninsured motorist coverage if you already have health insurance.”

That is flat-out false. Insurance companies in Florida are legally required to offer you uninsured motorist coverage. They can’t just leave it off your policy and hope you don’t notice. The law requires them to offer it, and they cannot raise the price without the state's approval.

So what do they do instead?

They try to get you to reject it. They hand you a form full of dense legal language and say, “Sign here to save a few bucks.” What they don’t say is, “You’re giving up your right to be protected if someone hits you and has no insurance.”

That’s how they work around the law. They get your signature. They file that rejection form away. And then when you’re lying in a hospital bed, they say, “Sorry, you opted out.”

And why don’t they want you to have UM coverage? Because it costs them money when you use it. They don’t like selling you something that actually works in your favor.

Listen, not all agents are bad. But there’s a reason they’re trained to push certain lines and skip over others. The system rewards that. It’s not right, and it’s not transparent.

5) Protect Yourself Before It Happens And It’s Cheaper Than You Think

In Florida, UM coverage is actually one of the best deals you can get. That’s because the rates are regulated by law. Insurance companies can’t just charge any price they want. They have to get permission from the state if they want to raise your premiums for it. That makes this one of the few protections out there where the value is actually in your favor.

And the truth is saving a few bucks now could cost you everything later.

It sounds harsh, but I’ve seen it. People reject UM coverage to save $8 a month, and then years of hard work get wiped out in seconds by a driver who never carried proper insurance in the first place. The good news? You still have time to make a different choice. Here's a quick explanation to help you better prepare for what's coming.…

6) Not Sure If You’re Covered? We’ll Walk You Through It Right On Your Phone

If you’ve made it this far and you’re thinking, “Wait, I don’t even know if I have uninsured motorist coverage,” don’t panic. Most people don’t. They either forgot, they never really looked, or they signed whatever the insurance agent handed them without a second thought.

However, we can help you find out. Right from your phone.

You can open your insurance app, and we’ll walk through it together. We’ll show you where to look, what coverage you have, and what it actually means. 

Still can’t tell? That’s okay. We’ll send a letter to your insurance company for you. We’ll ask the right questions and get you the real answers.

And if you do have the coverage? Great. Now you can breathe a little easier. If you don’t? At least now you know. And you still have time to fix it. The goal here is to make sure you’re not stuck in the dark when life hits the brakes.

7) Uninsured Doesn’t Mean Unlucky, If You’ve Got the Right Coverage

You don’t get to choose who crashes into you. However, you do get to choose today  whether that moment leaves you defenseless, or just shaken but standing.

And no, having UM coverage doesn’t make you paranoid. It makes you prepared. So whether the accident’s already happened, or you’re just starting to wonder what if, the answer is the same:

Call us. Before the crash, or after but call.

Because if no one else shows up to take care of you… your policy still can. And so can we.

— Florida DHSMV

Understanding this line between casual and classified helps keep your Sunday drive from turning into a Monday court date.

2) Are Tampa Streets Golf Cart Friendly? Not All of Them.

Under Florida Statute, golf carts are only permitted on public roads that have been specifically approved by the local government. Even then, those roads must have a posted speed limit of 30 miles per hour or less.

You can’t just hop in a golf cart and drive down your suburban street unless the city or county has made that street legally accessible for golf cart use.

In the Tampa area, Davis Islands is the most well-known example of this. There, local authorities have approved certain routes for golf carts, and the roads meet the required speed and safety standards.

However, for most neighborhoods in Hillsborough County, golf cart access is still off-limits.

“As of 2023, Hillsborough County has approved golf cart access for less than 5% of its neighborhood roads.”

 — Hillsborough County Public Works

Why is approval so limited? The process involves a formal request, traffic studies, safety evaluations, and signage. The county looks at things like road width, traffic volume, pedestrian risk, and visibility before giving the green light.

If your community is not on that list and you drive a golf cart on an undesignated street, you may be cited and, worse, held liable in the event of a collision.

3) How Old Do You Have to Be?

As of July 1, 2023, Florida law changed to make it crystal clear: anyone operating a golf cart on public roads—even in a golf-cart-approved community—must carry valid identification.

That means

• If you’re 14 or older, you need at least a learner’s permit
  

• If you’re 16+, a valid driver’s license is required
  

And this isn't just about ticking a box. Violating the age or licensing rule can lead to fines, traffic citations, and more serious implications if an accident occurs involving injuries or property damage.

Because if an unlicensed minor is behind the wheel during a crash, it could complicate insurance claims, lead to denied coverage, and open the door to personal liability lawsuits.

4) Before You Ride, Ensure Safety Equipment

Whether you’re driving through a designated community or just crossing a public road, your golf cart must be equipped with basic operational gear. That means

• Reliable brakes
  

• Reflectors (front and rear)
  

• A rearview mirror
  

• Proper steering control
  

• Tires in safe, usable condition
  

Those are the minimum expectations for daytime use on approved roads.

Planning to drive after sunset? The requirements are even stricter. If your route is legally approved for nighttime use, your cart must also have:

• Headlights
  

• Brake lights
  

• Turn signals
  

• A windshield
  

And here's why it matters beyond just legal compliance:

“The U.S. Consumer Product Safety Commission reports over 13,000 golf cart-related injuries each year, often caused by missing or malfunctioning safety equipment.”

 — U.S. Consumer Product Safety Commission

We’ve represented individuals seriously injured because a golf cart didn’t stop in time, wasn’t visible at night, or lacked the basic features needed to avoid a preventable crash.

5) Who’s at Fault When Things Go Wrong?

One of the most common misunderstandings we see is people assume their homeowner’s or auto insurance will automatically cover a golf cart accident. That is not always true, especially if the cart was being driven illegally.

If you're driving a golf cart on a public road that hasn't been officially designated for golf cart use, your insurance provider may consider that a breach of policy terms. And if the driver is unlicensed, or the vehicle lacks required safety features, the coverage could be denied altogether.

In these scenarios, even minor accidents can turn into major problems:

• Medical bills for injured pedestrians, cyclists, or passengers
  

• Property damage—to vehicles, fences, landscaping, or city infrastructure
  

• Lawsuits from injured parties or their insurers
  

• Personal liability if the claim isn’t covered under any existing policy

The rule is, if your golf cart isn’t street-legal, don’t treat it like a car. And if you are using it on the road—even in a golf-cart-approved area—call your insurance provider and make sure you’re covered. Some policies offer specific golf cart riders. Many don’t.

Don’t guess. Don’t rely on what your neighbor told you. Know your policy, your rights, and the law before the keys ever leave the hook.

6) Carter Injury Law Provides Legal Protection for Life’s Unexpected Turns

It starts quietly like most things that go wrong. One moment you're waving to a neighbor, coasting through your street, and the next, there’s a sound you can’t ignore. Then come the questions. The reports. The forms. And silence from the insurance company that once promised they’d be there.

We’ve represented injured pedestrians, wrongfully blamed drivers, and families navigating complicated insurance denials—all because a golf cart was used in the wrong place at the wrong time. Florida’s laws may look simple on the surface, but when liability enters the equation, it takes an experienced legal team to protect your rights and fight for what’s fair.

That’s why we don’t rush to conclusions. We listen first. We look at what happened. We find out what the law says and what the insurance companies aren’t telling you. Then we fight for the outcome you deserve. Because in moments like these, you shouldn’t be alone, and you definitely shouldn’t be left guessing.

We offer free consultations, full case evaluations, and we work on a contingency fee basis because justice shouldn’t depend on your bank account.

Call Carter Injury Law. Let’s talk before you decide, before you sign, before the silence gets louder.

— U.S. Department of Justice

That’s why we don’t just send a letter, we send a message. And it sets the tone for everything that comes next.

3) What Happens After We Hit ‘Send’

Once the demand goes out, the clock starts ticking. Most insurance companies are given 30 days to respond. That’s the general rule but like most things in this process, there are exceptions.

If we’re dealing with a government agency or a large corporation with layers of red tape, they might not get back to us for 60 to 90 days. And sometimes, let’s be honest, we get silence. No offer. No response. Just silence.

Now, that can be incredibly frustrating. You’ve been through enough already, and the idea of more waiting doesn’t sit right. However, we play the long game, and we do it with a paper trail. Why are we giving insurance companies extra time? It’s because we’re showing good faith. That matters down the line, especially if we need to take them to court.

“Under Florida law, insurers must acknowledge and act promptly but delays still plague up to 25% of serious injury claims.” 

— Consumer Federation of America

So yes, waiting is part of this phase. But it’s not wasted time. It’s us building the pressure, positioning your case, and letting them know—we’re watching every move they make. Check out this video for an overview of demand letters and settlement talks.

4) Five Possible Outcomes And What They Mean for Your Case

Once the demand letter is out, there are a handful of ways things can go. Some are encouraging. Some are aggravating. All of them are part of the process and we’ve seen them all.

I) Policy Limits Are Tendered

This is the best-case scenario. The insurance company reviews your claim and agrees to pay the full amount of coverage available under the policy. If their insured has a $100,000 policy and they write a check for $100,000, that means they know the value of your case and they want to wrap it up.

II) Reasonable Settlement Offer

Sometimes they don’t offer the full policy, but they come to the table with a number that makes sense. That doesn’t mean we just accept and move on—we negotiate. Our experience lets us read between the lines of an offer. 

If it’s a solid start, we go back and forth with them to push it higher. That dialogue can lead to a resolution without a lawsuit and that’s always worth exploring when the numbers are fair.

III) Claim Denial

Unfortunately, this does happen in slip and fall cases, premises liability, or intersection accidents where they think you’re more than 50% at fault. They’ll say, “We’re not paying anything.” When that happens, we regroup and walk you through your options. Sometimes it means filing suit. Sometimes it means digging deeper and giving them more evidence.

IV) Delay Tactics (Triple D)

Deny, Delay, and Defend. It’s about wearing you down. But we’ve seen it too many times to fall for it. If they’re playing games, we move forward. Sometimes that means a lawsuit. Sometimes that means calling their bluff. But it never means sitting back.

V) Lowball Offer

They offer you less than what you owe in medical bills. And while it’s technically “an offer,” it’s not one we take seriously. Negotiating off a lowball can actually hurt your position. If we believe the gap is too wide, we’ll likely recommend skipping the back-and-forth and going straight to litigation.

5) If the Offer Stinks, We File And We’re Ready.

Filing a lawsuit isn’t some dramatic move we pull to scare the insurance company. If they’re not serious, we file.

We’ve done everything in good faith. But if they still come back with an offer that doesn’t reflect your injuries or your bills, or worse, they ignore us altogether, then we pivot.

That said, we never file without your approval. Before anything goes to court, we’ll sit down, explain the process and talk through what filing means for your timeline, your case, and your options.

You’re the decision-maker. We give advice. You give the go-ahead.

Because this is your case. Your future. And when you're ready to take the next step, we’ll already be ten steps ahead. You’ve got a team behind you.

And we’re not going anywhere.

In Florida, the law gives clients the right to discharge their attorney at any time, with or without cause. You don’t need to wait for a milestone in your case, and you don’t need to justify your decision to anyone. If something doesn’t feel right, whether it’s communication, trust, or just a disconnect, you have the freedom to explore a better fit.

The Florida Bar actually addresses this directly in their Consumer Guide to Hiring a Lawyer. They explain that a client may end the relationship at any time, although the discharged lawyer may have a right to compensation for the work already performed.

You’ve got one case and one shot at getting it right. So if you’re starting to question whether your current representation is serving your best interest, it’s okay to pause and ask what’s next.

2) The #1 Reason People Switch Lawyers? Communication Breakdown

It’s not always about the outcome. More often, it’s about the silence. One of the most common reasons clients decide to change lawyers is simple—they’re not hearing back. They’re left wondering what’s going on with their case, and they’re tired of chasing down answers.

In fact, the American Bar Association has reported that over half of all complaints against attorneys have to do with poor communication. Not malpractice. Not billing issues. Just a lack of response, updates, or clarity. And that tells you something.

Of course, it’s not always just about phone calls or emails. Sometimes the issue runs deeper. Maybe there’s a disagreement about strategy. Other times, it’s professionalism. Missed deadlines, short tempers, or a general sense that things aren’t being handled the way they should.

And sometimes… people just don’t click. That’s okay, too. This is a working relationship, and trust is everything. If it’s not there, no one benefits—not you, and not your case.

3) What If Your Case Is Already in Litigation?

Now, if your case has already made it to court, switching lawyers is still very possible but there’s just a bit more to it.

Litigation doesn’t lock you in. What it does is add a few extra steps. At that stage, your attorney has likely filed documents on your behalf, maybe even appeared in court. So changing counsel means officially letting the court know that someone new is stepping in.

In Florida, this is handled through what’s called a Substitution of Counsel, and it’s all governed by the Florida Rules of Civil Procedure. It’s a formal process, but it’s nothing to stress over. Most of the time, your new attorney handles it for you, from notifying the court to coordinating with your previous lawyer.

4) What Happens to Fees If You Switch Lawyers?

One of the first questions people ask when thinking about switching attorneys is, “Will it cost me more?” And I get it, that’s a fair concern.

However, in most personal injury cases, the answer is no. You're likely working under what's called a contingency fee agreement, which simply means your attorney only gets paid if and when you win a settlement. You’re not paying anything out-of-pocket along the way.

So if you decide to change lawyers, you’re not stacking up two fees. The fee is usually a set percentage of your settlement that is split between your previous and new lawyers. It doesn’t come out twice. It just gets divided based on who did what and when.

Now, there are some cases where the outgoing attorney may claim a lien, basically a right to payment for the time they already spent working on your case. That’s not unusual. The amount depends on the hours logged or the value of the work done. But even then, it’s handled between the lawyers. You’re not stuck in the middle of a fee dispute.

5) When to Get a Second Opinion Without the Guilt

We do it with doctors. We do it with mechanics. So why not with lawyers? Getting a second opinion on your case doesn’t mean you’re being difficult or disloyal. It just means you’re being thoughtful and when it comes to something as personal and life-altering as a legal claim, that’s exactly what you should be.

There’s no rule that says you have to stick with the first lawyer you hired. And just because you’re asking questions doesn’t mean you’re burning bridges. You’re allowed to explore your options. In fact, you should, especially if something feels off.

Now of course, we always keep things professional and ethical. If you reach out to us while you’re still represented by another attorney, we’ll make sure everything’s handled the right way. No backdoor moves, no pressure. Just an honest conversation about where your case stands—and what could come next if you decide to make a change. Here's a more straightforward explanation of how the process works.

6) How to Switch? A Simple Step-by-Step by Carter Injury Law

If you’ve made the decision to move forward with a new attorney, here’s what the process actually looks like. It’s simpler than most people expect and we make sure it stays that way.

• Review your current agreement
  Just take a look at the paperwork you signed with your current lawyer. We’re mainly looking at the fee arrangement and any language about ending the relationship. If you’re not sure what you’re reading, don’t worry, we’ll help you break it down.

  
  
  

• Contact a new attorney (like us)
  This is the moment where you take back control. We’ll talk through where your case stands, what’s been done so far, and whether switching makes sense for you. If it does, we’ll move forward—no pressure, no rush.
  
  

• We’ll handle the transition paperwork
  Once you give the go-ahead, we’ll send formal notice to your previous attorney, notify the court (if your case is in litigation), and file the necessary documents. You won’t be stuck making awkward calls or chasing anyone down.
  
  

And that’s it. We take care of the details so you don’t have to. You focus on healing, on moving forward. We’ll make sure the handoff happens smoothly and that your case doesn’t miss a beat.

If you’re standing at that crossroads, unsure whether to stay or move on, you don’t have to figure it out alone.

Call Carter Injury Law at 813-922-0228 or visit Carterinjurylaw.com

Florida is a no-fault insurance state, which means after most car accidents, your own insurance company pays for your initial medical bills and lost wages, regardless of who caused the crash. This is done through Personal Injury Protection (PIP) coverage.

Sounds fair in theory, right? But there is a catch, PIP only pays up to $10,000, 80% of medical bills, and 60% of lost wages. In a serious crash, that barely scratches the surface. And unless your injuries qualify as “serious” under Florida law, you may not be able to pursue additional compensation from the at-fault driver at all.

That’s where many claims hit a wall. People assume that what they receive is all they’re entitled to—when in reality, they might have the right to file a personal injury lawsuit for damages well beyond the PIP cap. But without legal guidance, those rights often go unused.

The result? A flood of quick, lowball settlement offers and far too many people walking away with less than they need to heal.

2) Rejecting the Offer: What It Really Means

Saying "no" to an insurance settlement doesn’t make you difficult. It makes you deliberate. You’re not closing the door; you’re simply keeping it from being slammed shut on what you rightfully deserve.

Rejecting an offer is part of the legal process. It means you're standing up for a full and fair outcome. The insurance company has their bottom line in mind. You should have yours, too.

So how do you do it the right way?

• Put it in writing. The rejection should be formal, respectful, and preferably sent by your attorney. It should include specific reasons why the offer falls short. That might be unaccounted-for medical costs, ongoing treatment needs, lost income, or long-term impacts on your life and ability to work.

• Include documentation. Don’t just say it’s not enough—show why. That means attaching medical records, wage loss statements, doctor assessments, and any projected costs for future care.

• Stay professional. You’re not cutting ties with the insurance company; you’re laying out a counterpoint backed by evidence. It keeps negotiations open and solidifies your position if the case goes further.

Rejecting an offer is about buying yourself time to get it right. Because once you accept and sign, there’s no turning back.

3) Florida Laws to Know Before You Say ‘No’

Before you turn down that settlement offer or accept it, it’s worth knowing what the law says about your window of opportunity and how fault is handled in Florida.

As of 2023, Florida’s statute of limitations for negligence-based personal injury claims is 2 years. 

– Florida House Bill 837

That’s down from 4 years in the past. So, if you’re thinking about rejecting a lowball offer and possibly filing a lawsuit later, the clock is already ticking. 2 years might sound like plenty of time, but between medical treatment, paperwork, negotiations, and insurance delays, it can slip by faster than you think.

Florida also uses a modified comparative negligence system. What does that mean? If you’re found partially at fault for the accident—say, 20%—your compensation is reduced by that percentage. So a $100,000 settlement becomes $80,000.

However, if you’re found more than 50% at fault, you get nothing.

And once you accept a settlement and sign the release, your case is closed permanently. No appeals. No renegotiation. Even if you discover you’ll need surgery six months from now or your condition worsens, the deal is done.

That’s why Florida law gives you the right to reject, reassess, and renegotiate but only within the rules and only within the time frame.

4) What Happens After You Reject it & How Carter Injury Law Changes The Game

When you're dealing with an insurance company, you’re not just up against a claims adjuster. You’re facing a corporation with lawyers, algorithms, and decades of experience aimed at paying out as little as possible.

Most people only look at the bills they have in front of them, like an ER visit or maybe a few weeks off work. But our team looks deeper. We account for future surgeries, long-term care, permanent limitations, lost earning potential, and pain that doesn’t show up in a receipt.

We know how the game works. Insurance companies expect resistance and when Carter Injury Law is involved, they know it’s more than just pushback. It’s a problem they have to take seriously. Here’s how we take it from there:

Step 1: We Send a Counteroffer That Commands Respect

We don’t just ask for more—we build a demand package backed by real numbers. Medical bills, long-term care projections, lost earnings, pain and suffering—we lay it all out. And we do it in a way that makes it crystal clear: this case has value.

Step 2: We Negotiate Relentlessly

The insurance company might drag its feet, request more records, or toss out slightly better offers. That’s where our experience comes in. We don’t settle for small wins—we press forward with a strategy built to get you the best result, not the fastest one.

Step 3: We Can Recommend Mediation if It Moves the Needle

If talks stall, we might suggest mediation. It’s a more informal setting, guided by a neutral third party. And when we walk into that room, we come prepared—with evidence, leverage, and a clear ask.

Step 4: We’ll File the Lawsuit If That’s What It Takes

When negotiations hit a wall, we don’t hesitate. Filing a personal injury lawsuit often gets the insurer’s attention in ways negotiation letters never will. And no, we don’t bluff. We prepare like we’re going to trial, because that’s how serious cases are won.

Roughly 95% of personal injury cases settle before they ever reach a courtroom. 

– U.S. Department of Justice

There are moments in life when the hardest thing to do is to wait. To pause. To say, “Not yet.” Rejecting a settlement offer can feel like stepping into the unknown, but sometimes, it’s the only way to avoid trading your future for a quick, quiet exit.

So, before you say yes, say hello. Get a free consultation. You only pay us if we win your case. And we’ll tell you what your case is really worth and fight to get it.