What Is The Average Florida Auto Accident Settlement? What Should You Expect?

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Legally reviewed by:

Erik Abrahamson, J.D. May 28, 2021

Overview of Florida Auto Accident Settlements

Car accident in Florida? This article will help you understand the factors that most impact the potential auto accident settlement amount for your injuries and damages.

If you were injured in a car accident in Florida, you are probably wondering how much money you can recover from a car accident settlement.

Many factors affect your car accident settlement amount. Every case is different, so your settlement entirely depends on the specifics of your accident, injuries and damages.

At Abrahamson & Uiterwyk our car accident lawyers research the specifics of your case extensively and represent you during negotiations.

Along with the factors that we will explain below, legal representation significantly affects your settlement amount.

Due to our experience and expertise, our attorneys help clients achieve a higher average car accident settlement amount.

The car accident attorneys of Abrahamson & Uiterwyk are ready to discuss your accident and settlement amount during a free case evaluation.

If you’ve been injured in a Florida car accident we invite you to contact us by phone at 855-293-5630 or online anytime to get answers from our qualified legal professionals.

What is the Average Auto Accident Settlement in Florida?

florida car accident settlements

Unfortunately, there is no average settlement amount for car accidents in Florida. This is because settlements depend greatly on the unique circumstances of each case.

Several factors affect your settlement, including:

  • Negligence of the at-fault party,
  • Any comparative negligence of the injured party,
  • Extent of impact and property damage,
  • Whether the at-fault driver was under the influence of drugs or alcohol,
  • Amount of available bodily injury insurance coverage with the at-fault vehicle owner and driver,
  • Amount of available uninsured/underinsured motorist insurance coverage with the injured party, their resident relatives, and the car they are in,
  • Severity of your injuries,
  • Extent of pre-existing injuries,
  • Ability to prove the injuries were caused by the accident, and
  • Extent of your damages including pain and suffering, past and future lost wages, and past and future medical bills.

Since settlement amounts are highly contextual, it’s best to discuss the specifics of your case with one of our personal injury attorneys.

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Examples of Abrahamson & Uiterwyk Auto Accident Settlements

At Abrahamson & Uiterwyk, we have recovered hundreds of millions of dollars in compensation for our clients. Here are several recent auto accident settlements we have achieved for our Florida clients:

$525,000.00 / Motor Vehicle Accident / Spine and Back Injuries / Dade City, Florida

On July 22, 2016, our client was attempting to make a U turn on Highway 301 in Dade City, Florida and was stopped in the median. The defendant was headed south on U.S. 301 when he left the roadway, crashed through a street sign and struck our client causing him to be pushed into oncoming traffic whereupon he was struck by a passing northbound vehicle.


This photo shows the damage to our client’s vehicle as a result of the accident.

The defendant later claimed that a phantom vehicle rear-ended him causing him to strike our client. Our client was transported to the hospital with back injuries and later followed up with several physicians. An MRI scan revealed large disc herniations in his lumbar spine. He exhausted all conservative care, including therapy and epidural steroid injections.

Ultimately, he required a discectomy operation to relieve the pressure in his spinal canal. Our attempts to settle the case before a lawsuit were rebuffed by the insurance company, which acted unreasonably and refused to take responsibility for the accident. Therefore, we filed a lawsuit against the at fault party.

During the course of the lawsuit, we pressured the insurance company to produce proof of their claims that they were not the at fault party, and that someone else had caused the accident. Eventually our pressure was successful, and we were able to force the company to pay $525,000.00 as compensation for our client’s injuries.

$500,000.00 / Car Accident / Herniated Discs / Homosassa, Florida

Our client was traveling on a main road in Homosassa, Florida, when a vehicle from her right, exited a private driveway directly into the path of our client. As a result of the other driver’s carelessness, our client impacted the side of the other vehicle. The impact was so severe that our client’s air bags deployed, and the vehicle was considered a total loss.


This photo shows the damage to our client’s vehicle as a result of the auto accident.

After the accident, our client was transported to the emergency room where she was diagnosed with neck pain, chest pain and right arm pain. Following her discharge from the hospital, our client began conservative care with a chiropractor and underwent an MRI of the cervical spine and the lumbar spine. The MRI’s revealed multiple herniated discs in the cervical and lumbar spine.

Our client ultimately had surgery at both the cervical and lumbar levels. Based on the injuries sustained by our client, Abrahamson and Uiterwyk sent a demand to the defendant driver’s insurance company and they agreed to pay $100,000, which represented the full amount of the defendant driver’s insurance coverage. Abrahamson and Uiterwyk also sent a demand to the owner of the vehicle that the defendant was driving, which turned out to be a local car dealership.

The dealership had loaned the vehicle to the defendant while the defendant’s personal vehicle was being repaired. The insurance carrier for the dealership attempted to classify the loaner vehicle as a “rental car,” which would have had the effect of lowering the applicable insurance coverage to only $10,000.

Abrahamson and Uiterwyk conducted an extensive legal analysis of the insurance carrier’s position and was able to prove to the insurance carrier, that their opinion was not supported by Florida law. The insurance carrier agreed and after further negotiation, tendered their policy limits of $500,000.

$300,000.00 / Rear-End Car Accident / Neck, Back, and Shoulder Injuries / Citrus County, Florida

On August 18, 2016, our client was northbound on Suncoast Parkway in Citrus County, Florida near the intersection of Veteran’s Drive. Unfortunately, the defendant failed to stop as our client was slowing to make a right hand turn and rearended our client. Our client was taken to the emergency room where she underwent initial treatment for her multiple injuries.


This photo shows the extent of the damage to the vehicle that rear-ended our client.

Her chiropractor later ordered MRI scans of her neck, lower back and left shoulder. The neck and back MRIs revealed multilevel disc herniations. The MRI of the shoulder unfortunately showed rotator cuff tears to two tendons. She required two separate surgeries to repair her shoulder. After we presented with a demand package documenting the serious injuries sustained, the defendant’s insurance company eventually became convinced to pay its $250,000.00 policy limit.

We then presented a claim against our client’s uninsured motorist insurer, who maintained a $50,000.00 policy limit. Believing the case was worth no more than the underlying coverage, the insurance company offered only $1,000.00. We then threatened litigation and accused the company of bad faith negotiations. We provided a deadline for them to either pay their policy limits or face a lawsuit for potentially more.

Recognizing that our law firm was fully prepared for litigation against them, the company paid its $50,000.00 just before the deadline ran for a total settlement of $300,000.00.

Some of our past cases have resulted in multi-million dollar settlements for car accident victims. Here are just a few examples:

$6.1 Million Vehicle Accident Settlement

A cement truck struck a 12-year old child, causing serious injuries. The accident was the result of negligent driving and construction that prevented the child from using a crosswalk.

We filed a lawsuit against the truck driver, his employer, and the contractor.

$2.2 Million Vehicle Accident Settlement

In this case, a commercial truck rear-ended our client. The accident caused our client disc herniations that required anterior cervical fusion.

We obtained a $2.2 million settlement in addition to a $2.5 million jury verdict.

$1,575,000 Rear-End Car Accident Settlement

The Defendant rear-ended our client, a 53-year old male. The collision caused our client to suffer a three-level herniation. The injury ultimately required anterior cervical disc fusion.

The case settled for $1,575,000 shortly before trial.

$1,008,258 Red Light Car Accident Settlement

Our clients, a husband and wife, were involved in an accident when the Defendant ran a red light. The collision caused back, shoulder, and neck injuries. This settlement represented the maximum amount of insurance coverage available.

You are welcome to look over many of our other car accident case results featured on our website.

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Will a Lawyer Help me Get a Bigger Florida Auto Accident Settlement?

You might wonder whether you should hire a personal injury lawyer after an accident. Would a personal injury lawyer improve your chances of receiving a larger settlement amount?

Numerous studies and research have shown (including the Insurance Research Council) that car accident victims that hire experienced personal injury attorneys obtain larger settlements than those without representation.

Florida’s complex car accident injury laws are difficult to navigate without legal help. Our experienced lawyers can evaluate your claim and guide you through the legal hurdles of Florida’s insurance and personal injury laws. Contact us for a free consultation today.

How Will a Lawyer Improve my Chances at a Bigger Settlement?

Our experienced and knowledgeable injury lawyers can help maximize your settlement amount by:

  • Investigating the accident,
  • Gathering and preserving evidence,
  • Investigating the available insurance coverages,
  • Proving the full extent of your injuries,
  • Calculating your past and future losses,
  • Effectively communicating and negotiating with insurance companies to maximize the value of your case, and
  • More.

Insurance companies are aware of our law firm’s reputation and case results at trial.

Gathering and preserving evidence

Evidence collection and preservation are critical factors and might affect the outcome of your case including the amount of your settlement.
Evidence increases your ability to prove your claim and maximize your settlement amount. Important evidence could include:

  • Surveillance footage, if any, of the accident;
  • Statements from eyewitnesses;
  • Physical evidence from the scene of the accident;
  • Expert opinions and statements.

Our experienced attorneys will know the key evidence for your case and how to gather it.

Understanding your claim options

Depending on the circumstance of your auto accident and severity of your injuries, you may have multiple options on how to proceed. An experienced personal injury attorney can help you get the most out of your Florida car accident settlement, whether through a claim with your insurance company, negotiations with the negligent party’s insurance company, or preparing and executing court proceedings.

An attorney will make timely recommendations for your claim and assist with all necessary documentation and filings. After being in a car accident, you already have enough to deal with. Not only does this ensure that your claim is being properly handled, it takes a lot of the stress off of you to learn your legal rights. 

Calculating your losses for a fair settlement

In personal injury cases, you can recover the amount of your losses, also known as damages.

Losses can include past and future medical bills, loss of income, and pain and suffering. If you do not know the amount of your damages, then you will not know if a settlement compensates you fairly.

Our experienced attorneys can help calculate your damages for a fair settlement.

Effectively and smartly communicating with insurance companies

Insurance companies try to get statements from you, and they will use statements or admissions of guilt against you. This could potentially reduce your settlement amount.

The insurance company might record your statements or ask you to sign releases or settlement documents. These documents might prevent you from seeking further compensation related to the accident.

Our personal injury lawyers protect you from the insurance company’s manipulation by communicating on your behalf.

Pushing insurance companies to negotiate fair settlements

Having a lawyer negotiate with the insurance company gives you the best chance of recovering maximum compensation.

Insurance companies lose money by paying out accident claims. So, it is in the insurance company’s best interest to pay you as little as possible.
Insurance companies train teams of people to minimize the injured victim’s compensation and often take advantage of unrepresented claimants’ trust in insurance adjusters.

By working with our attorneys, you can avoid settling for less than you deserve. Our injury attorneys know the process involved in negotiating a settlement and understand the tactics insurance companies use to avoid paying claims.

Rather than negotiating yourself, our injury lawyers put experience on your side. It levels the playing field in negotiations between the insurance company and you.

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How Does “No-Fault” Insurance Impact Your Case?

Florida follows a “no-fault” system when it comes to car insurance. Several other states also use this system. Under this system, your own insurance will cover medical bills and other financial losses regardless of who is at fault. Personal injury protection insurance, also called “PIP,” is required in Florida. There is a minimum amount of insurance that a driver must carry. 

Vehicle damage claims after an accident are an exception to the no-fault system. There are no limitations on claims for damage or total loss of a vehicle. These claims can be brought against the at-fault driver. 

No-fault claims do not cover all types of personal injury compensation. Though your PIP coverage will cover medical bills and property damage, it will not cover non-economic damages such as pain and suffering.

PIP will cover up to $10,000 for injuries with some limitations. The amount paid through PIP will cover up to 80% of necessary medical treatment and 60% of lost income when you are unable to work. 

If your injuries are “serious” by Florida standards, you may still file a lawsuit against the at-fault driver or file a third-party insurance claim. You are also eligible to file a lawsuit or claim if the medical expenses from the auto accident exceed the $10,000 covered by PIP.

An experienced attorney can help you determine the best course of action given the specific circumstances of your accident and injuries.  

What Is a Florida Auto Accident Serious Injury?

A Florida auto accident settlement does not have to be immediately accepted. There are times when PIP is not enough. You may be entitled to additional relief, depending on the severity of your injuries. To pursue a liability claim against the negligent driver and to recover pain and suffering damages, you must have experienced at least one of the following: 

  • Significant limitation of use of a body organ or member;
  • Significant limitation of use of a body function or system;
  • Significant scarring or disfigurement or;
  • Death.

If you experienced any of these injuries, you are not limited to a PIP claim under your own policy. You may pursue compensation for non-economic losses.


Besides Car Damage, What Other Damages Might I Be Able to Get Compensation For?

After a car accident, you might recover compensation for vehicle damage or replacement. You might be able to recover several other forms of damages as well.

In addition to the property damage to your vehicle, car accident victims can also pursue compensation for:

  • Medical bills,
  • Lost wages,
  • Pain and suffering,
  • Emotional distress,
  • Disfigurement, and
  • Disability.

Complex insurance laws determine whether you can seek compensation for these and other damages. Consult a personal injury lawyer with our firm to discuss the damages you might be able to seek in your case.

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Get a Free Florida Auto Accident Case Review

At Abrahamson & Uiterwyk, we have over 30 years of experience representing injured clients. Through prompt and aggressive representation, our injury lawyers help maximize our clients’ compensation.

We offer free consultations. Contact our attorneys today to schedule yours. We will calculate your car accident settlement together and fight to get you the amount you deserve.

Cities We Commonly Serve

  • Tampa
  • Clearwater
  • St Petersburg
  • Spring Hill
  • Lakeland
  • New Port Richey
  • Pinellas Park

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Reviews from People We’ve Helped Get Favorable Florida Auto Accident Settlements

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