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You’re not locked into the first attorney you hired. If something doesn’t feel right, you’re allowed to make a change—and you should if it means getting the support and representation you deserve.

A must-read for you: What Are Your Rights to Cancel an Attorney Contract in Florida

2) Common Reasons People Switch Attorneys

Now, if you’re thinking about changing lawyers, you’re not alone—and you're not being unreasonable. There are a few common reasons why people decide their current attorney just isn't the right fit anymore.

• The most frequent one we see? Communication—or really, the lack of it. If your attorney isn't calling you back, keeping you in the loop, or making you feel like you’re chasing down your own case updates, that's a problem. You deserve better than radio silence.

• Sometimes, it’s not about silence but about disagreement. You might not see eye-to-eye on how your case is being handled, what steps are being taken, or how aggressively your lawyer is pursuing your claim. If you’re not confident in the strategy, that’s worth paying attention to.

• Then there are cases where things just feel off—maybe the professionalism isn’t there. Maybe deadlines are being missed or you’re not getting the respect and focus your case deserves.

• And finally, there’s the simple reality that sometimes two people just don’t click. You and your attorney might not have the connection or trust needed to move forward. And that’s okay—it happens.

What matters is recognizing it and knowing you have the option to move on.

3) Things to Consider Before Making the Change

So yes—you can change your lawyer. But before you do, there are a few things you need to think through. It’s not always as simple as just walking away, especially if your case has already made some progress.

• Is Your Case in Litigation?

If your case has already been filed in court and you're in the middle of litigation, changing lawyers is still possible—but it can come with a few more steps. There may be court procedures involved, and your new attorney will have to file certain documents to officially take over. It’s doable, but it’s something you and your new lawyer will want to plan for.

• What Does Your Fee Agreement Say?

Most people sign a contingency fee agreement with their personal injury attorney. That means your lawyer only gets paid if you win or settle your case. But if you switch lawyers, the first attorney may still be entitled to a portion of that final settlement—even if they don’t finish the case.

• Are They Owed for Their Time?

If the first lawyer has already spent time working on your case, they may be entitled to compensation for the hours they’ve already put in. That doesn’t necessarily mean you'll be double-billed—sometimes, depending on the amount, the fee may get split between your old and new attorneys based on the work done, but your new attorney does not have to agree to this. Still, it’s something you’ll want to understand before making the switch.

• How Much Work Has Already Been Done?

This part matters. If your original attorney did very little—maybe they just opened the file and made a few calls—it’s likely a clean break. But if they’ve gathered evidence, negotiated with insurance companies, or even started drafting court documents, then the value of their work may need to be accounted for.

Before you make a decision, it’s always smart to consult with the new attorney first. For more clarity on the process of changing lawyers, here's attorney Rob Johnson explaining your rights..

4) Can You Get a Second Opinion? Absolutely.

If something doesn’t feel right about your current representation, getting a second opinion is undoubtedly a smart move. 

• You Have the Right to Ask Another Attorney

Just like with any major decision—whether it’s about your health, your finances, or your legal case—you’re entitled to another perspective. There’s no rule that says you have to stick with the first lawyer you hired if you’re not sure they’re the right fit. A new attorney will not be able to go over the specific details of your case since they do not have the file, but they can answer general questions about the process.

You don't need to look elsewhere: Meet David Carter A Personal Approach to Injury Law

• Yes, There Are Ethical Rules But They’re Clear

Now, there are professional guidelines that attorneys follow when a client wants to switch representation, but none of that stops you from talking to someone else. A good attorney knows how to handle the situation respectfully and ethically, without stepping on any toes or creating conflicts.

• It’s Okay to Want Clarity

Sometimes, you just want to know if you’re on the right track. Maybe you’re not ready to switch attorneys—but you’re not ready to settle for silence or uncertainty either. A second opinion gives you a clearer picture of your options, and that can make all the difference.

Need a Second Opinion? Carter Injury Law Is Here

If you’re in a spot where you’re unsure about your current lawyer—or you’re just not feeling heard—it’s okay to reach out. Sometimes you just need to talk it through with someone who’s going to listen and give it to you straight. That’s what we’re here for.

My name is Attorney David Carter, and at Carter Injury Law, we’ve helped plenty of people who found themselves questioning their current legal representation. Whether you’re ready to make a change or you just want another set of eyes on your case, we’re more than happy to help.

You can reach us at 813-922-0228, or head over to our website at Carterinjurylaw.com. Just honest advice so you can make the best decision for your future.

Florida reported over 590 motorcycle fatalities in 2022—ranking among the highest in the nation.
(Source: Florida Department of Highway Safety and Motor Vehicles)

And yet, even with numbers like that, motorcyclists often get blamed, overlooked, or flat-out ignored when filing a claim. That’s why finding the right lawyer becomes more than just a next step—it becomes the thing that sets the record straight.

So if you’re asking, “How do I even begin to find someone who truly understands what I’m going through?” you’re in the right place. Let’s talk about what matters and how Carter Injury Law is built for this exact road ahead.

I) The Road Isn’t Always Fair: Why Motorcyclists Face an Uphill Battle After an Accident

It’s no secret that motorcyclists often get an unfair reputation. Even when they’re following every rule of the road, they’re still seen as “risky” by insurance companies and sometimes even by law enforcement officers responding to the scene.

This bias can quietly shape the entire outcome of your case. Adjusters may question your decisions more harshly. Officers might file reports with assumptions instead of facts. And the person who caused the accident? They may walk away with far fewer questions than you do—even if you were the one seriously injured.

And then there’s Florida’s insurance system.

Florida’s No-Fault insurance laws don’t cover motorcyclists the way they cover drivers of cars. Personal Injury Protection (PIP)—the coverage that typically pays for initial medical bills and lost wages regardless of who was at fault—doesn’t apply to motorcycles. That means after a crash, you’re not guaranteed any upfront financial relief unless the other party’s insurance company steps in or you have strong legal representation to push the case forward.

This legal distinction leaves motorcyclists financially exposed, especially in accidents that result in serious injuries, which unfortunately are all too common.

Motorcyclists are 24 times more likely to die in a crash than passenger vehicle occupants.
(Source: National Highway Traffic Safety Administration )

So when the system is stacked this way—where bias meets legal limitations—the need for a lawyer who truly understands the dynamics of motorcycle accidents in Florida becomes non-negotiable. It’s not just about proving fault. It’s about shifting the narrative, protecting your rights, and making sure you’re not the one left carrying the financial burden of someone else’s mistake.

2) Signs You Need a Motorcycle Accident Lawyer Immediately

Not every crash ends with lights and sirens. Some seem manageable at first—just bruises, a busted bike, maybe a few days off work. However, the trouble often begins after the accident.

Warning Signs You Shouldn’t Ignore:

Here’s when to stop trying to “handle it” alone and start thinking about legal backup:

• Your insurance claim is denied or delayed without a solid reason.
  
  

• You’re being blamed for part or all of the accident, despite evidence.
  
  

• The other driver’s liability is unclear or hotly contested.
  
  

• You’re confused about your next steps and just want someone to fight for you.

The legal challenges after a motorcycle accident aren’t always about catastrophic injuries (though those happen far too often). They’re also about denied claims, vague liability, missing police reports, and insurance tactics designed to minimize payouts—especially when the rider isn’t represented.

And let’s not forget the financial stakes. Even a short hospital stay after a moderate crash can derail your finances completely:

The average hospital stay cost after a serious motorcycle crash may exceed $20,000.
(Source: Centers for Disease Control and Prevention)

That doesn’t include follow-ups, physical therapy, missed work, or replacing your bike.

If you’re dealing with injuries, mounting bills, or a claims process that’s suddenly full of loopholes, waiting could cost you more than just peace of mind. The sooner a lawyer steps in, the sooner you take control of your recovery not just physically, but legally and financially too.

3) What to Look for in the Right Lawyer (And Red Flags to Avoid)

Florida’s motorcycle laws are full of fine print, like the fact that riders over 21 can ride without a helmet, but only if they carry at least $10,000 in medical coverage. A good motorcycle accident attorney knows this. A great one uses it strategically when your case is being assessed.

And yes, there are red flags—things you should never ignore. If a lawyer can’t answer basic questions about similar cases they’ve handled, or they give you vague, noncommittal responses, take a step back. If they seem unfamiliar with Florida’s specific legal landscape, that’s another problem. The law here recently changed.

Florida’s new comparative fault law (as of March 2023) bars any financial recovery if the plaintiff is more than 50% at fault.

(Source: Florida House Bill 837)

That’s a critical piece of your case strategy, and your lawyer needs to be able to work within that framework confidently and clearly.

Then there’s the financial side. Any attorney worth your time will work on a contingency basis. That means you don’t pay unless you win. It’s that simple. If a lawyer wants you to pay hefty fees up front just to “look over the details,” that’s not advocacy—that’s a warning sign.

However, beyond the paperwork and payment plans, there’s something even more telling: how they talk to you. Do they explain things clearly? Do they call you back? Keep you informed? The best legal relationships are built on trust, and trust starts with communication. You should feel heard, not handled.

4) The Clock Is Ticking: Time Limits for Filing Motorcycle Accident Claims in Florida

Time doesn’t just heal; it also runs out. After a motorcycle accident in Florida, most people think they have time to figure things out. And while it’s completely normal to feel overwhelmed, confused, or even stuck in a cycle of “What just happened?” the legal system won’t wait.

As of March 2023,

Florida’s statute of limitations for personal injury claims, including motorcycle accidents, was reduced from 4 years to 2 years.
(Source: Florida House Bill 837)

Missing this deadline means you lose your right to seek compensation no matter how strong your case is. Courts don’t make exceptions for delays, even if you were still in recovery or waiting on an insurance company to “do the right thing.”

However, the ticking clock isn’t just about the statute of limitations. Insurance companies often have strict notification windows—sometimes as little as 14 days—for reporting accidents or injuries. Miss those deadlines, and they’ll use it as leverage to deny or devalue your claim.

5) When the Road Gets Rough: How Carter Injury Law Fights for Every Rider's Right

When the dust settles after a motorcycle crash, one thing becomes painfully clear that you need someone in your corner who actually gets what you’re up against.

• Florida Roads, Florida Roots

This isn’t some out-of-state firm with billboards across the highway and zero face time. Carter Injury Law is proudly based in Florida. That means we know the roads, we know the laws, and we know the unique challenges riders face here—from helmet law nuances to how Florida’s No-Fault system excludes motorcyclists from PIP coverage. We’ve seen it all. And we’ve fought through it.

• Not Just Another Case—A Whole Different Kind of Fight

Motorcycle cases aren’t just “car accidents with fewer wheels.” They require a different kind of legal strategy—one that anticipates bias, rebuilds missing narratives, and holds insurance companies accountable when they try to twist the facts. Carter Injury Law has that strategy down to a science.

• Told You It Wasn’t Over

Our track record speaks for itself. We’ve helped countless injured riders recover the compensation they were told they’d never get. Not because the system is fair but because we know how to challenge it. We go toe-to-toe with insurance companies, cut through red tape, and build cases that can’t be ignored.

• We’re With You—Every Mile, Every Moment

What really sets us apart isn’t just how hard we fight—it’s how deeply we care. We take every call. We explain every step. We show up. Because at the end of the day, this is your life, your recovery, and your story—we’re just here to make sure it doesn’t get rewritten by someone else.

We work on a contingency fee basis, which means you don’t pay unless we win. And the moment you reach out, we’re already on your team.

So if you're feeling overwhelmed, uncertain, or just ready to take the next step—call us.

Every rider has a story. Let’s make sure yours is heard and honored.

And yes, it can cover you even if you were walking across the street or riding your bike when the accident happened. You weren’t in your car but the policy still follows you. It’s one of those details that can really catch people off guard in a good way.

More for you: How to File a Claim After Being Hit by an Uninsured Driver In Florida

3) What to Do Immediately After an Accident

When you’ve been hit—whether you were walking or biking—everything feels like a blur. However, what you do in those first few moments can make a huge difference later on, especially if you’re thinking about filing a claim.

• First and foremost, get medical attention. That’s not just about covering your injuries—it’s about protecting your health long-term. A lot of people try to shake it off, say “I’m fine,” and skip the hospital. However, the truth is, some injuries take hours or even days to show up. Getting checked out right away can catch things early, and it also creates a clear medical record tied to the accident.

• Next, document everything. If you’re physically able or if someone with you can help, start taking photos and videos right there at the scene. Get pictures of where it happened, the position of the vehicle, the bike or pedestrian path, any damage to your bike or personal items, and, of course, your injuries. Video is great too, especially if traffic conditions or weather played a role.

Why does all this matter? Because that evidence becomes the foundation of your case. Memory fades, witnesses disappear, and the scene changes. But photos and videos stay solid. They tell your story clearly—what happened, how it happened, and how serious it really was.

Sometimes, it’s easier to hear the details straight from an expert. In this video, Rob Johnson breaks down the key steps you should take if you’ve been involved in a bicycle or pedestrian accident in Florida.

4) Filing a Claim as a Pedestrian or Bicyclist

A lot of people think that if they weren’t in a car at the time of the accident, they can’t file a claim. That’s just not true.

If you were hit by a vehicle while walking or biking, you absolutely have the right to file an injury claim. Whether the driver was distracted, speeding, or just flat-out careless, you were the one who ended up injured, and the law gives you the right to seek compensation for that.

Now, timing matters. Florida has specific deadlines for when you can file a personal injury claim. Waiting too long could mean losing your chance altogether. That’s why it’s so important to talk to a lawyer early—so you understand what your options are before time runs out.

When it comes to what you can recover, it’s not just about your medical bills. A claim can cover a lot more than people realize. That might include lost income if you’ve been out of work, future medical expenses, pain and suffering, and in some cases, long-term care or rehabilitation costs.

You may want to know: How Long Will Your Personal Injury Case Take? Carter Injury Law Reveals the Truth

5) Understanding PIP (Personal Injury Protection) Benefits

Here’s something that surprises a lot of people—your Personal Injury Protection (PIP) benefits might still apply even if you were walking or riding a bike when the accident happened. Yep, even if you weren’t behind the wheel.

If you own a car in Florida, you’re likely required to carry PIP coverage on your auto insurance. And in certain situations, that coverage can step in to help with medical bills after a pedestrian or bicycle accident. That sounds like a good thing—and sometimes it is—but this is where you really want to slow down and talk to a lawyer first.

Because accepting PIP benefits isn’t always the best move. In some cases, it can actually work against your claim, especially if there are other insurance policies or legal strategies that would offer stronger protection or higher compensation.

When to Call Carter Injury Law (And What You’ll Get)

You don’t need to wait until things get complicated to call a lawyer. In fact, the sooner you get guidance, the better.

A lot of people hesitate because they think calling an attorney means they’re committing to a lawsuit or paying out of pocket. That’s not how we work at Carter Injury Law. The consultation is completely free—no cost, no obligation. You’ve got questions, and I’m here to help you get some clarity, plain and simple.

Whether you were walking across the street or biking through your neighborhood, accidents like these come with a lot of unknowns. Insurance companies don’t always play fair. Medical bills pile up. And trying to figure it all out on your own can feel overwhelming.

My job is to listen to your story and show you what your legal options look like from here. If you’ve got a case, I’ll tell you. If you don’t, I’ll tell you that too. Either way, you’ll leave the conversation with answers and a lot more confidence.

Just because your car doesn’t look damaged doesn’t mean your body didn’t take the hit. Cars are built to absorb impact, but your body isn’t. Even a low-speed crash can cause whiplash, back pain, or other injuries because your body is moving inside the car while everything around you comes to a sudden stop.

• Cars Are Designed to Minimize Visible Damage

Modern vehicles are made to crumple in certain areas to protect passengers. That means the impact is spread out in a way that doesn’t leave behind obvious dents or broken parts. The lack of damage to your car doesn’t mean the crash wasn’t serious—it just means the car did what it was built to do.

• Research Proves That Minor Crashes Still Cause Injuries

Studies have shown that even at low speeds, the human body can suffer injuries from the sudden force of impact. Soft tissue damage, concussions, and spinal injuries don’t require a car to look totaled. If you feel pain after a crash, that’s not just your imagination—it’s your body telling you something is wrong.

(2) Don’t Let Insurance Companies Decide If You’re Hurt

After an accident, the last thing you want to deal with is an insurance company telling you that your pain doesn’t matter. The reality is, they don’t know what you're feeling, and they don’t want you to question their judgment. Here's why you shouldn’t let an insurance company decide the extent of your injuries.

• Insurance Adjusters Will Try to Minimize Your Claim

Insurance companies have one goal—to pay out as little as possible. They’ll tell you that if your car isn’t crushed, you couldn’t have been seriously injured. However, that’s not how the human body works, and they know it. They just hope you don’t fight back.

• People Get Hurt in Low-Speed Collisions All the Time

You don’t have to be in a high-speed crash to suffer real injuries. A sudden jolt, even at a low speed, can cause herniated discs or other long-term issues. It happens every day, and we’ve seen it firsthand.

• Your Pain Is the Only Truth That Matters

An insurance adjuster doesn’t live in your body. They don’t wake up feeling the pain in your neck, your back, or your head. Only you know what you’re going through, and no amount of insurance company tactics can change that.

(3) Every Person’s Injury Is Different

Just because someone doesn’t show the same physical signs doesn’t mean they’re not suffering. Here’s why every injury, and every person, is unique.

• Same Crash, Different Outcomes

Two people can be in the exact same accident and walk away with completely different experiences. One might feel fine, while the other is in serious pain. That doesn’t mean one is exaggerating—it just means every body reacts differently to impact.

• Age, Health, and Pre-existing Conditions Matter

An 85-year-old with arthritis won’t handle a crash the same way a 25-year-old athlete would. Someone with prior back issues might suffer a severe injury, while another person in the same car barely feels sore. Your body’s history plays a role, and that’s something insurance companies conveniently ignore.

• Your Pain Is Real, No Matter What the Car Looks Like

A car’s condition doesn’t determine how much you’re hurting. Just because the bumper isn’t falling off doesn’t mean you’re not dealing with nerve damage or chronic pain. Your injuries aren’t measured in dents and scratches—they’re measured by how they affect your life.

For more details on how even low-impact collisions can result in injuries, watch this video where we discuss the truth about insurance claims and personal injury in these cases.

(4) Your Right to a Claim – Even in a Low-Damage Accident

If you've been injured, regardless of how your car looks, you still have the right to make a claim. Here's why you shouldn't let the lack of visible damage stop you from seeking the compensation.

• Car Damage Doesn’t Decide Your Injury Claim

Yes, the insurance company will look at the damage to your car when valuing a claim. Your body doesn’t follow the same rules as metal and plastic—injuries happen even when the car looks fine.

• Your Pain Is the Only Truth That Matters

If you’re hurting after an accident, that’s the reality—not whatever an insurance adjuster wants you to believe. They’ll try to downplay your injuries, but they weren’t in the car with you. They don’t feel the stiffness in your neck, the headaches, or the shooting pain in your back. You do. And that’s what counts.

• You Have the Right to Fight for Compensation

Regardless of what the insurance company claims, you have the legal right to seek compensation if you’ve been injured. From medical expenses and lost wages to pain and suffering, you shouldn’t have to shoulder the financial burden of someone else’s negligence.

1. Will You Go to Court After a Car Accident? Carter Injury Law Explains It All

2. How to Handle Out-of-State Car Insurance Claims in Florida Accidents

3. Why Hiring a Lawyer Who Goes to Court Could Be the Best Decision After an Accident

Justice Isn’t Given, It’s Earned – And We’re Here to Help You Earn It

The insurance company wasn’t there when the accident happened, yet they often act as if they know your experience better than you do. They often believe they have the authority to determine the validity of your pain.

We don’t play by their rules. You know your body, and that’s the only truth that matters. We help you cut through the noise—the paperwork, the excuses, the tactics meant to wear you down. We make sure your injuries aren’t dismissed just because the damage to your car doesn’t tell the full story.

If they fail to recognize the seriousness of your case, we make sure your rights are fully represented. In the courtroom, in front of a jury, wherever it takes to make sure you’re heard. Because your pain is real. And we won’t let anyone tell you otherwise.

Uninsured Motorist (UM) coverage is exactly what it sounds like—it protects you if you’re injured in an accident caused by someone who doesn’t have insurance or doesn’t have enough insurance to cover your losses. In some cases, it’s also called Underinsured Motorist (UIM) coverage. However, it does the same thing. It steps in when the at-fault driver can’t pay for your damages.

When you have UM coverage, your own insurance company steps into the shoes of the at-fault driver and covers your damages, just like their insurance should have. That includes:

• Medical bills from emergency care, hospital stays, and ongoing treatment
  

• Lost wages if your injuries prevent you from working
  

• Future medical expenses for long-term care or therapy
  

• Pain and suffering, because your injuries affect more than just your bank account

The reality is, you can’t control how responsible other drivers are; however, you can control how well you protect yourself.

(2) Why Florida Drivers Need UM Coverage

If you live in Florida, where so many drivers are uninsured or underinsured, having UM coverage is a necessary one. Here’s why:

• Too Many Drivers in Florida Are Uninsured

Florida ranks among the worst states for uninsured drivers. Many people are on the road without any coverage, which means if they cause an accident, they have nothing to pay for your injuries. 

• Florida Doesn’t Require Bodily Injury Insurance

Unlike many other states, Florida does not require drivers to carry bodily injury liability insurance. This means that even if the driver who hits you has insurance, their policy might not cover your medical bills at all. That’s why UM coverage is so important. It makes sure you’re protected when the other driver isn’t.

• High Number of Tourists and Out-of-State Drivers

Florida is a major travel destination, which means a lot of people on the road are unfamiliar with the area—and that leads to accidents. Many of these out-of-state drivers have minimum insurance that might not fully cover your injuries. If their coverage isn’t enough, your UM policy steps in.

• Without UM, You Pay Out of Pocket

If you’re hit by an uninsured or underinsured driver and don’t have UM coverage, you’re on the hook for your own medical bills, lost wages, and future expenses. Most people don’t realize how costly an accident can be until they’re faced with hospital bills, rehab costs, and time away from work. UM coverage is what keeps you from paying the price for someone else’s mistake.

Here’s a breakdown of how UM coverage works and how to select the best policy for you

(3) How Much UM Coverage Should You Get?

When it comes to UM coverage, having the right amount can make all the difference. Too little coverage, and you might still be left paying out of pocket after a serious accident. Here’s what I recommend:

• The Ideal Coverage Amount

If you can afford it, I strongly recommend carrying at least $100,000 per person and $300,000 per incident in UM coverage. This ensures that if you’re injured in an accident with an uninsured or underinsured driver, your policy can cover medical expenses, lost wages, and long-term care.

• The Bare Minimum If You’re on a Budget

If higher limits aren’t financially possible, at the very least, you should have $10,000 per person and $20,000 per occurrence. While this won’t cover everything in a serious accident, it’s far better than having no protection at all.

• Why More Coverage Is Better

Medical bills add up fast. A trip to the emergency room, follow-up treatments, physical therapy—it all gets expensive quickly. If you only have minimum coverage, you could burn through it in a matter of days, leaving you with thousands of dollars in unpaid expenses.

(4) What Happens If You Don’t Have UM Coverage?

If you don’t have uninsured motorist (UM) coverage, the reality is simple—you could be left with no compensation after an accident with an uninsured or underinsured driver. Let’s break it down:

• No UM Means No Compensation for Your Losses

Let’s say you’re involved in an accident with someone who doesn’t have insurance. Without UM coverage, you’re stuck paying for your own medical bills, lost wages, and pain and suffering. The person who caused the accident isn’t going to pay for anything—and neither will their insurance company.

• It Could Cost Thousands

Even a relatively minor accident can lead to significant expenses. Medical bills can pile up quickly, from emergency room visits to follow-up care. Add in lost wages if you can’t work, ongoing treatments, and future medical expenses, and you’re looking at thousands, if not tens of thousands of dollars, that you have to cover on your own.

• Most People Realize They Need UM Coverage—Too Late

The unfortunate truth is most people don’t think about UM coverage until they’re already in an accident. At that point, it’s too late to get the protection you need. It’s not until you’re facing the financial burden of an accident that you realize how important it is to have coverage in place.

Hesitation costs, Action wins—Start with a free call

The right insurance, especially UM coverage, isn’t something to ignore. It’s the safety net you never think about until you need it.

So, if you haven’t already, take a moment. Look over your policy. Although it’s easy to miss, it’s crucial that you’re covered. Maybe it’s just a slight adjustment, or maybe you need a full review, but whatever it is, make sure you’ve got the right protection for your family.

And if you find yourself with questions or if an accident has left you wondering what comes next, don’t wait. Call me. I’m Rob Johnson, and I offer free consultations—no cost, no fee. Let’s talk about your coverage, your future, and make sure you’re taken care of when it matters most.

Let’s clear something up right away—if you have a Florida auto insurance policy, your own insurance company is required to pay a portion of your medical bills after an accident. That’s called Personal Injury Protection (PIP).

PIP covers 80% of your medical bills, up to a maximum of $10,000. This is your coverage. It’s there to help you get medical treatment, no questions asked. And most importantly, you don’t need to sign anything to get it.

If your own insurance company is paying through PIP, that’s normal. That’s how the system is designed to work. However, if the other driver’s insurance company suddenly steps in and offers to pay your medical bills, that’s when you need to be careful. Because that’s not normal. That’s when you start asking, Why? What’s the catch?

(2) When the Other Party’s Insurance Company Offers to Pay

Now, here’s where things get tricky. If the other driver’s insurance company calls you up after the accident and says, "We’ll pay your medical bills," you should immediately start asking some serious questions.

First off, why are they offering to pay? Your own insurance should be handling your medical bills through PIP. So why is the other guy’s insurance suddenly so eager to step in? Are they trying to be nice? Or is there something they’re not telling you?

And here's the biggest red flag, Are they asking you to sign something in return? If they are, you need to be cautious. A release is often involved—one that could end up shutting down your right to pursue further claims for future expenses related to the accident.

You have to ask yourself—Why are they making me sign this? The moment they ask you to sign anything, you need to take a step back. This isn’t as simple as it seems.

To help you understand this better, watch the video below where we dive deeper into the risks involved with signing any documents from the other party's insurance.

(3) The Hidden Trap: Signing Away Your Rights

Most accident victims have no idea what they’re signing. The insurance companies know this. They count on it. They use confusing legal language to trick you into signing away your right to pursue future claims.

(i) Giving Up Future Compensation

You might think you're just agreeing to let them cover your medical bills, but what you're really doing is agreeing to give up the right to seek additional compensation down the road. That means if your injuries worsen or require more treatment, you won’t be able to go after them for those costs.

(ii) Pain and Suffering: What You Could Be Sacrificing

It’s not just about medical bills, either. Pain and suffering—the discomfort, the trauma, the emotional toll—that’s another thing you might be signing away. And if you ever need future treatments or surgeries, well, you could be stuck paying for those out of pocket because you’ve already agreed to close the door on those claims.

The point is, these insurance companies aren’t offering to pay your medical bills out of the goodness of their hearts. They want to get you to sign a release so they can move on—and leave you with nothing when your needs grow down the line.

(4) The “Swoop and Sign” Tactic: Why Insurance Companies Rush You

Insurance companies have a well-known trick they like to use—it’s called the “swoop and sign.” Basically, they swoop in right after an accident, before you’ve had a chance to fully assess your injuries, and try to get you to sign away your rights as quickly as possible.

Now, why do they rush? It’s not because they care about you. It’s because they want to close your case on the cheap—before you realize what you’re really entitled to. They don’t just want to cover your medical bills; they want to pay you the least amount possible and be done with it.

The longer you take to understand the full extent of your injuries, the more it’ll cost them. So, they try to get you to sign anything that will prevent you from coming back for future claims, and they do it while you're still in the dark about the long-term effects of the accident. The goal is to settle fast and low, leaving you with less than you deserve.

To Avoid Common Pittfall, Check Out Our Related Blogs: 

1. How to File a Claim After Being Hit by an Uninsured Driver In Florida

2. Can You Pursue an Auto Accident Case Even With a Prior Injury?

3. What Does Full Coverage Mean in Florida? Understanding the Misconception

(5) What Should You Do If an Insurance Company Wants You to Sign Something?

Here’s the bottom line—don’t sign anything without talking to an attorney first. That document they’re asking you to sign could be more dangerous than you realize, and you need someone who understands the fine print to guide you through it.

Before you make any decisions, call an attorney. Once you do, email them the document. Don’t try to figure it out on your own. Let the lawyer take a look. Most personal injury lawyers, including us, offer free consultations for situations just like this.

We’ll review that document with you, break it down, and tell you exactly what you’re signing—and more importantly, what you’re giving up. Getting that legal advice can save you from making a costly mistake you’ll regret later.

• Does it cover all my past medical expenses? Every bill, every doctor visit—those costs add up fast.

• Will it reimburse my health insurance? If your insurance company paid anything for your treatment, they’re going to want their money back.

• Am I being fairly compensated for pain and suffering? This isn’t just about bills. It’s about what you’ve been through.

• What about future medical costs? Even if you have health insurance, you’ll still have co-pays, deductibles, and out-of-pocket expenses. Will this settlement take care of that?

• Does it account for mental anguish or loss of enjoyment of life? Your injuries might not just affect you physically—they could change your entire quality of life.

• What about my spouse? If your injuries have affected your ability to support your spouse emotionally or financially, they may have a claim, too.

A settlement isn’t just a number. It’s about making sure you’re fully covered—past, present, and future. If the offer doesn’t do that, then it’s not enough.

(3) The Insurance Company’s Real Goal

Insurance companies want you to think they’re on your side. However, make no mistake—their priority isn’t you.

• The Adjuster’s Job Isn’t to Help You

That friendly voice on the phone? Their job is to settle your claim for as little as possible. They might sound sympathetic, but at the end of the day, they work for the insurance company—not for you.

• Filing a Lawsuit Can Increase Their Offer

If you push back—if you file a lawsuit—their tune often changes. Why? Because they know that a trial could cost them a lot more than settling. Many times, just the threat of going to court can make them offer you more.

• Going to Trial Might Be the Best Option

If they’re refusing to offer fair compensation, sometimes you have to take them to court. A jury sees what you’ve been through, and they’re not looking out for the insurance company’s profits—they’re looking at what’s fair.

A lowball offer isn’t them doing you a favor. It’s a tactic. And if they’re not offering you what you deserve, you have options.

Explore some of our other related blogs: 

1. How to Handle Out-of-State Car Insurance Claims in Florida Accidents

2. How to Stay Calm with Insurance Adjusters After an Accident

3. How to Avoid Common Pitfalls in the Car Accident Claims Process in Florida

(4) When It Might Be Okay to Accept a Settlement

Not every settlement offer is bad. Sometimes, taking the offer makes sense—but only under the right circumstances.

• If It’s the Full Policy Limits

Insurance policies have a maximum payout amount. If they’re offering you every dollar available under the policy, that might be as good as it gets. In that case, accepting could be the right move.

• If They’re Offering Less Than the Policy Limits

Now, if they’re offering you less than the full policy limits, that’s when you need to stop and evaluate. Is this offer really enough? Does it cover everything—your medical bills, pain and suffering, and future treatment? If not, you may want to push back.

• Only You Can Decide—But Get Legal Advice First

At the end of the day, it’s your case, your injuries, your life. You have to make the call. But an attorney can help you understand what’s fair, what’s not, and whether you’re being lowballed.

Settling isn’t always a bad thing, but don’t accept an offer without knowing exactly what you’re giving up.

Watch this video to hear more about how we can help you decide whether to accept an offer or fight for more.

(5) The Insurance Company Has a Strategy. So Should You—Call Carter Injury Law

Insurance companies know exactly what they’re doing when they make you an offer. Do you? 

• Understanding the Real Value of Your Claim

We will break down what your case is actually worth, factoring in medical bills, lost wages, pain and suffering, and future expenses. You deserve the full picture before making a decision.

• You Have the Final Say, We’re Here to Guide You

We don’t make decisions for you. We give you the facts, the strategy, and the best advice based on years of experience. But at the end of the day, it’s your case, and you make the call.

• We Don’t Work for Insurance Companies, We Work for You

Insurance adjusters are trained to minimize payouts. We’re trained to maximize them. Unlike them, we have one goal: fighting for you and making sure you get every dollar you deserve.

• No Risk, No Upfront Fees

We offer free consultations, and you don’t pay us a dime unless we win your case. That means there’s no risk in reaching out. However, there’s a lot to lose if you settle too soon.

The courts are backed up. Whether it's the effects of COVID or the new laws that rolled out in March of 2023, there’s a lot of cases on the docket, and that means delays. The court system is underfunded and overwhelmed, and while we do everything we can to keep your case moving, it’s out of our hands once it’s in the court system. 

• Differentiated Case Management Orders – What They Mean for Your Case

Once we get into the court system, you’ll likely encounter "differentiated case management orders." These are the judge’s orders that will govern how your case moves along. They outline timelines for what happens next, and they’re meant to keep the case on track. But, remember, just because there’s a schedule doesn’t mean things will always go according to plan. With everything going on in the courts right now, we might see delays.

• Depositions: What to Expect When Talking to the Opposing Attorney

One of the first things that’ll happen in court is the deposition. This is where you sit down with the opposing attorney, and they ask you questions under oath about your case. It’s part of the discovery process, and while it might feel intimidating, we’ll make sure you’re prepared. You’ll be asked about the details of your accident, your injuries, and the impact it’s had on your life. It’s also important to be honest and clear.

• Mediation: Most Lawsuits Settle at This Stage (10-12 Months After Filing)

Now, most lawsuits settle during the mediation stage, which usually happens between 10 and 12 months after we file the lawsuit. Mediation is a chance for both sides to sit down and try to reach a settlement before going to trial. Both sides present their cases to find common ground. If we settle, you get paid; if not, we fight for you in court. Either way, we’re pushing for the best outcome.

You Might Also Enjoy These Helpful Reads:

1. Understanding the Statute of Limitations for Personal Injury Cases in Florida

2. What Damages Can You Recover in a Florida Personal Injury Case?

3. How to Secure Personal Injury Compensation in Florida Expert Tips from Carter Injury Law

The Harsh Truth: Why Trials Can Take Years

Trials can take 2 to 3 years due to delays in the court system, including backlogs and other unforeseen factors. While this timeline is beyond our control, the best approach is to stay patient.

• Delays Aren’t the Lawyer’s Fault

I know it can be frustrating when things are moving slowly. However, delays aren’t really our fault. They’re part of the system we’re working in. The courts are overloaded, and while we fight to keep your case moving, sometimes it takes longer than expected. This isn’t something that’s under our control, and it’s definitely not because we’re not doing our job. We’re pushing hard, but we also need you to be patient and trust the process. 

• Some Cases Settle Before Trial, but Lawsuits Often Increase Case Value

While most cases settle before trial, sometimes filing a lawsuit can actually increase the value of your case. Insurance companies know that once a lawsuit is filed, the stakes are much higher. They can no longer drag their feet or offer lowball settlements. A lawsuit signals that you’re serious and ready to fight, and that often pushes the other side to make a fair offer. So, while it may seem like the trial process is dragging on, it can actually lead to a better result in the end. 

What Are Your Next Steps?

Every case is different, and that’s why it’s important to get a personalized timeline for your specific situation. The general timeline I’ve laid out gives you an idea, but I can give you a much clearer picture once I know the details of your case. So, don’t wait—pick up the phone and call us for a free consultation. It’s risk-free, and I’ll be able to give you an idea of how your case will likely unfold based on your unique circumstances.

And remember, there are no fees unless you win your case. That’s right—no fees unless we secure a settlement or win in court. So, take the next step and reach out to us. You’ve got nothing to lose and everything to gain.

• Write it Down: First things first, you need to put it in writing. Whether you prefer email or a physical letter, make sure you clearly state that you’re canceling the contract. You don’t want there to be any confusion later on. If you go with email, make sure it’s something official, like a formal resignation letter or a simple, clear email. The main point is—document it.

• Be Direct: In the email or letter, mention that you’re canceling the agreement under Florida’s three-day right of rescission. You don’t have to give a detailed explanation of why, just keep it straightforward and to the point. You’re within your rights to cancel, and the attorney should respect that.

• Send It Right Away: Time is of the essence. You want to make sure your cancellation is done within those 3 days, so don’t delay in sending the letter or email. The sooner, the better. Remember, the clock starts ticking the day you sign the agreement, so act fast.

• Keep a Copy: Always keep a copy of what you sent. You never know when you might need proof that you canceled in time. If it’s a letter, get a delivery confirmation. If it’s an email, save the sent copy and any read receipts.

• Avoid Liens: The last thing you want is for the attorney to place a lien on your case for the time they’ve already spent working on it. That’s why it’s so important to cancel before they get a chance to do that. If you wait too long, they might have already started working on your case, and they can try to claim payment for that work. By canceling early, you can avoid that situation.

(4) Carter Injury Law Difference: A 30-Day No-Fee Guarantee

Now, what happens if you miss that three-day window? Well, don’t panic. At our firm, we understand that sometimes you need a little more time to be sure about your decision. That’s why we offer a 30-day no-fee guarantee.

Unlike the standard three-day rescission period, we give you 30 days to decide if you’re happy with the way we’re handling your case. That’s right—30 full days to evaluate whether you feel comfortable with our communication, our approach, and our service. We know that choosing the right attorney is a big deal, and we want you to be 100% confident in your choice before you move forward.

Why We Offer It ?

The benefit of this extended window is you have more time to really get a sense of how we work. In the first 30 days, if you feel like we’re not the right fit for you—maybe we’re not returning your calls or not keeping you in the loop as you expected—just let us know. No hard feelings. You won’t owe us anything for our time or legal fees. You’ll just be responsible for any costs we’ve already incurred on your case—things like investigation fees, for example.

The 30-day window gives you the breathing room to make an informed decision without feeling rushed or pressured. It’s our way of showing confidence in our service and making sure you feel comfortable with us. You don’t have to make any snap judgments—we’ve got you covered for a full month. That’s how sure we are about our ability to get the job done right and take care of you as a client.

(5) Recognizing Unethical Practices in the Legal Field

When it comes to choosing an attorney, one of the most important things you can do is make sure they’re operating ethically. You deserve someone who truly has your best interests at heart—not someone who’s just out to sign another client. Unfortunately, not every attorney out there plays by the rules.

Let me give you an example. Imagine you’re in a hospital room, vulnerable and in pain, and someone walks in trying to get you to sign a contract right then and there. If that sounds like a scene out of a movie, you’re not far off—it’s straight out of The Rainmaker. That kind of behavior is not just unprofessional; it’s unethical. A good attorney doesn’t pressure you into signing anything when you’re not in the right state of mind to make that decision. If someone approaches you like that, it’s a major red flag.

When to Be Wary: 

If an attorney comes to you unsolicited—whether in a hospital, at your home, or anywhere else—you should stop and question their intentions. Ethical attorneys don’t chase after clients. Instead, they let you come to them when you’re ready. Another sign to watch for is an attorney who seems more interested in signing you up quickly than explaining your options or answering your questions. If they’re not taking the time to listen to you and understand your situation, that’s a big problem.

Get More Legal Insights To Avoid Common Pitfalls:

1. Can I Switch My Car Insurance Company During the Personal Injury Case? 

2. How to File a Claim After Being Hit by an Uninsured Driver

3. Understanding the Statute of Limitations for Car Accident Claims

A Choice That Defines Your Path

In the end, the choices we make often come down to a single, quiet question: "Am I doing what’s best for me?" When it comes to selecting the right attorney, the answer should never feel rushed or uncertain. It’s about trust, integrity, and the confidence that the person standing beside you truly has your back.

Reach out today for a free consultation. No pressure, no obligation—just an honest conversation about how we can help. Because in the pursuit of justice, every step should feel like the right one.