Car accident injury in Florida? This article will help you understand the factors that most impact the potential settlement amount for your injuries and damages when dealing with State Farm.

Handling a car accident injury settlement with an insurance company can be complicated and stressful.

Unfortunately, this process cannot always be avoided. However, an experienced personal injury attorney can play a pivotal role in obtaining a favorable settlement.

If you have been involved in a car accident in Florida and are overwhelmed with handling the claims process with State Farm, or any other insurance company for that matter, we want to help.

Whether negotiating State Farm personal injury settlements or dealing with other insurers, the Tampa car accident lawyers at Abrahamson & Uiterwyk have a reputation for excellence in helping car accident victims recover. We have extensive experience dealing with insurance companies, and we are ready and willing to fight for your rights to get you the compensation you deserve.

What You Need to Know About State Farm Accident Settlements

The Florida car accident settlement process can be strenuous and time-consuming.

To make matters worse, it often feels as if insurance companies, like State Farm, will try anything they can to deny your claim or pay out as little as possible.

However, there are some important things you should know that can help you maximize your State Farm accident settlement.

What Steps to Take After a Car Accident in Florida

The time immediately following a car accident in Florida is crucial.

If you are able, there are a few important steps that you should take to give yourself your best shot at success:

• Stop and check for injuries; 
• Call the police and report the accident;
• Get identification and contact information of other parties involved in the accident;
• Gather evidence to support your claim;
• Take photographs of the scene and the vehicles involved
• Collect witness statements;
• Seek medical attention to further assess any injuries; and
• Continue to monitor how you feel in the coming days and weeks. 

Unless you have sustained substantial injuries in your car accident, in which case you should seek medical attention immediately, it is imperative that you take the above steps.

State Farm may try to deny your claim for a number of reasons.

However, taking the appropriate steps and collecting as much information and evidence as possible can go a long way in preventing your claim from being denied.

What to Do If You Are Insured by State Farm 

Once you’ve made sure to take the proper steps immediately after your accident, it is time to begin your claims process.

If you have sustained injuries or property damage in a car accident and you are insured by State Farm, the first step in this process will be to contact State Farm to file your claim.

In fact, your policy will often require this. Failure to promptly file your claim could result in losing out on valuable compensation you may be owed.

You can file a claim online or by calling 800-SF-CLAIM (800-732-5246).

Once you file your claim, State Farm will assign an insurance adjuster to investigate your claim and negotiate your settlement with you.

However, it is important to note that you do not have to sign or accept any settlement that State Farm offers you.

We would always recommend consulting with an attorney before agreeing to any settlement to ensure that you do not miss out on any compensation you may be entitled to.

What to Do If State Farm Contacts You

If you are not insured by State Farm and they contact you, know that you are not obligated to speak with their representatives. In this scenario, State Farm does not represent your best interests.

Rather, they will have a strong financial incentive to protect the interests of their insured. Thus, State Farm will likely do everything in its power to deny your accident claims outright or negotiate the lowest possible settlement.

Dealing with another party’s insurance company can feel intimidating. Our car accident attorneys can take on this burden and communicate with them on your behalf. Don’t feel pressured to accept any offer until you have had a chance to review it with a lawyer.

State Farm Personal Injury Settlements Examples

How much compensation you get for a State Farm personal injury settlement in Florida varies based on the unique circumstances of each situation and the severity of your injuries. Based on our own settlement data on this page, the average State Farm personal injury settlement is between $100,000 to $1,000,000.

$1,000,000 State Farm Settlement Payout for Motorcycle Accident

Our client was riding a motorcycle on the way to work approaching an intersection. The intersection was controlled by a traffic light. Our client was proceeding through the intersection on a green light. The defendant driver made an illegal left hand turn on a red light, violating our client’s right, resulting in a head on collision. Our client was ejected from the motorcycle suffering multiple significant injuries. The defendant was cited for causing the accident.

Our client was transported via ambulance to the hospital and was initially treated for broken bones to the arms, wrist, and fingers. Our client was placed in an arm sling and asked not to move the arms much until the fractures healed.

Shortly thereafter, the client began to treat with an orthopedic surgeon and was prescribed physical therapy. A few weeks after the accident the client noticed the development of significant pain to both shoulders. MRIs of both of shoulders were taken a few months after the accident which revealed rotator cuff injuries to both shoulders. The orthopedic surgeon opined the injuries to both shoulders were directly caused by the motor vehicle accident. The client had arthroscopic surgeries to both shoulders to alleviate the shoulder pain.

The defendant’s insurance company initial offer was only 115,000. That low-ball offer was rejected. The insurance company took the position that the shoulder injuries were not caused by the accident because our client did not complain of shoulder pain until weeks after the accident and claimed that our client was at fault for causing the accident.

A suit was filed and at the same time our office represented our client in a traffic court case. The traffic court case against the defendant was conducted via zoom due to COVID. The defendant driver hired an attorney to represent him in the traffic court case. The defendant driver’s attorney denied his client was at fault and initially denied his client was driving the truck involved in the accident. Our office was able to meet with the eyewitness who clearly identified the defendant driver after the accident and established the defendant driver was at fault for causing the accident. After numerous continuances of the traffic court hearing the judge eventually found the defendant driver guilty of violating our client’s right of way.

During the civil suit the defendant’s driver’s deposition was taken. He admitted he was at fault after a lengthy deposition. The deposition of the eyewitness was also taken to establish fault.

A mediation was eventually set to resolve the case. The case settled at mediation for 1 million dollars.

$100,000 State Farm Settlement Payout for Car Accident

Our client was traveling northbound on 52nd Street in Pinellas Park, Florida on his motorized scooter when he stopped at the intersection of 82nd Avenue for the four-way stop sign. The defendant driver, who was westbound on 82nd Avenue, failed to yield the right of was to our client, entered the intersection, and collided with the right side of the scooter. The defendant driver was issued a citation for having caused the collision.

Our client was taken to the hospital where he was admitted due to multiple broken ribs, a broken foot, a back injury, and a loss of consciousness. His injuries required a lengthy hospital admission as well as rehabilitation in a skilled nursing facility.

Unfortunately, the defendant had a limited insurance bodily injury policy, and our investigation revealed he was likely uncollectible. Given the serious injuries involved, the insurance company agreed to pay the limits of $100,000.00 to our client.

$160,000 State Farm Personal Injury Settlement for Auto Accident

Our client, a 26-year-old petition circulator was traveling south on Martin Luther King Street near the intersection of 2nd Ave. North when the defendant negligently changed lanes and impacted our client. As a result, our client’s vehicle was pushed off the road and collided with a fire hydrant. Because of the collision, our client’s airbags deployed.

As a result of the injuries she sustained, our client was taken to a local hospital emergency room. She had suffered abrasions and burns to her right arm and elbow as a result of the airbag deployment. She also hurt her neck, back and wrist in the crash which, together with the airbag injuries, required extensive medical treatment.

Once our client reached her maximum medical improvement, we prepared and submitted a comprehensive demand package to the defendant’s insurance company. Initially, the company attempted to minimize our client’s injuries. They suggested merely $65,000 as an initial offer to settle the claim. With the help of our client’s doctors’ opinions, we were able to eventually able to convince the insurer that the injuries were serious and likely permanent. They ultimately paid $160,000.00 to settle the claim, a result that was fair and reasonable under the circumstances and one that our client was very pleased with.

State Farm Injury Settlement Calculator

Estimate Your Compensation with Our Easy-to-Use Calculator

If you’re seeking compensation for injuries caused by an accident involving State Farm insurance, our State Farm Injury Settlement Calculator can help you get a rough estimate of your potential payout. This tool takes into account factors like medical expenses, lost wages, and pain and suffering, key components insurance companies evaluate when determining a settlement.

Keep in mind that while State Farm does not provide a public injury settlement calculator, they rely on an internal tool called TEACH to value claims. Any calculator you see on an insurance company’s site is designed to serve their interests, not yours. For a more accurate understanding of your case value, it’s best to speak directly with an experienced personal injury lawyer.

How to Use the State Farm Injury Settlement Calculator

Our calculator is designed to be simple and user-friendly. Follow these steps:

1. Input Your Medical Costs: Enter the total amount you have spent on medical bills as a result of your injury. This includes hospital bills, doctors’ fees, physical therapy, and any other related expenses.
2. Enter Your Lost Wages: If your injury caused you to miss work, input the total amount of wages you have lost. This includes any lost income from your regular job or side business.
3. Pain and Suffering: While it’s harder to quantify, pain and suffering can significantly impact your compensation. Our calculator will use a multiplier (usually between 1.5 and 5) to estimate the value of this non-economic damage.
4. Accident Circumstances: Provide details about the accident, such as fault (e.g., were you fully or partially at fault?), and any other relevant circumstances.

Once you’ve entered the necessary details, the calculator will give you an estimated settlement amount based on typical personal injury claims involving State Farm.

Factors That Affect Your Settlement

State Farm, like other insurers, evaluates several factors when deciding on a settlement offer. Some of the most common factors include:

• The Severity of Your Injury: More serious injuries that require extensive medical treatment and long-term care will result in higher compensation.
• Medical Evidence: Clear documentation of your medical expenses, treatment plans, and prognosis will strengthen your claim.
• Liability: If the other party was clearly at fault for the accident, your settlement amount may be higher. If you share fault, your payout might be reduced. Florida has a modified comparative negligence rule (see the elements of negligence in Florida).
• Insurance Policy Limits: State Farm will only offer a settlement up to the coverage limits of the policy involved in your case. If the damages exceed the policy limit, you may need to seek additional compensation through other legal avenues.

There are additional factors that come into play, which aren’t mentioned here.

Why Use the State Farm Injury Settlement Calculator?

While this calculator provides an estimate, it’s important to understand that actual settlements can vary greatly based on the specifics of your case. Factors such as the adjuster’s discretion, negotiation tactics, and other legal considerations will all play a role.

If you’ve been injured in an accident and want to understand your potential compensation better, using the State Farm Injury Settlement Calculator can be a great starting point. However, it’s also recommended to consult with a personal injury attorney to discuss your case in detail and ensure you are getting the full compensation you deserve.

State Farm Bodily Injury Settlements in Florida

If you’re injured in an accident, understanding how State Farm handles bodily injury claims in Florida is important, as settlements depend on injury severity, medical expenses, liability, and policy limits. A personal injury lawyer can help document your injuries, negotiate effectively, and protect you from low offers, while insurance adjusters often aim to minimize payouts. Having legal representation ensures your rights are safeguarded throughout the process.

How much compensation you get for a State Farm bodily injury settlement in Florida varies based on the unique circumstances of each situation and the severity of your injuries. Based on our own settlement data on this page, the average State Farm bodily injury settlement is between $125,000 to $325,000.

Here are two case examples of State Farm bodily injury settlements:

Case 1: $125,000 State Farm Bodily Injury Settlement – 2025

Our client was driving eastbound on U.S. Highway 92 in Lakeland, FL, when a driver heading westbound in the left turn lane suddenly turned directly in front of her. The collision caused a significant impact, and although she initially felt okay, she soon experienced escalating pain in her head, neck, and lower back.

The next morning, she sought care at the emergency room, where she was diagnosed with strains in her neck and back. She followed up with a chiropractor for ongoing therapy. An MRI later revealed two herniated discs in her neck, and an orthopedic surgeon recommended epidural steroid injections, which she chose to decline and continued her chiropractic care instead.

The at-fault driver’s State Farm policy provided $25,000 in bodily injury coverage, while our client also had $100,000 in underinsured motorist coverage through State Farm. After documenting her injuries, we secured the $25,000 from the at-fault driver’s insurance and then pursued her underinsured motorist claim. Initial offers from State Farm were low, only $17,500, but by presenting strong evidence of her injuries and permanent impact, we successfully negotiated the full underinsured motorist limit.

The total State Farm bodily injury settlement reached $125,000, and our client was extremely satisfied with the outcome.

Case 2: $325,000 State Farm Bodily Injury Settlement – 2023

Our client was a 59-year-old entrepreneur when he was involved in a motor vehicle crash. He was headed westbound on Hillsborough Ave. in Tampa near Webb Rd. The defendant was traveling east and made a left turn directly in front of our client, violating his right of way. The collision caused serious injuries.

He was taken to the hospital with pain in his wrist, shoulder, arm, and upper back. CT scans revealed a protruded disc in his lower back. Follow-up MRI scans showed a herniated disc in his neck pressing against the spinal cord. He began treatment with a neurosurgeon, who recommended surgery to relieve the pressure on his spinal cord. Due to severe pain, surgery was performed at two levels of his cervical spine, which was ultimately successful.

The at-fault driver had only a $25,000 bodily injury policy with State Farm, which was paid after a demand. Our client also had uninsured motorist coverage from two other insurers. The first policy of $50,000 was paid after negotiation. The second policy of $250,000 initially offered only $30,000. After refusing anything less than the policy limits and filing a notice of bad faith settlement practices, the insurance company agreed to pay the full amount.

The total State Farm bodily injury settlement and other insurance payouts reached $325,000. Our client was very pleased with the representation and the outcome.

State Farm Uninsured Motorist Settlements in Florida

How much compensation you get for a State Farm uninsured motorist settlement in Florida varies based on the unique circumstances of each situation and the severity of your injuries. Based on our own settlement data on this page, the average State Farm uninsured motorist settlement is between $125,000 to $300,000.

$125,000 State Farm Uninsured Motorist Settlement – 2025

Our client was involved in a serious car accident on U.S. Highway 92 in Lakeland, Florida. The other driver was traveling westbound in the left turn lane at the intersection of Highway 92 and Lincoln Avenue. Without warning, the driver suddenly turned left directly in front of our client, who was heading eastbound, causing a violent collision.

Immediately after the crash, our client thought she was okay. However, over the next several hours, she began to experience severe pain in her head, neck, and lower back. By the following morning, the pain had intensified to the point that she went to the emergency room, where she was diagnosed with muscle strains and instructed to seek follow-up care.

She began treatment with a chiropractor, and further testing revealed two herniated discs in her neck. An orthopedic surgeon recommended epidural steroid injections, but she chose to continue therapy with her chiropractor instead.

Fortunately, our client had underinsured motorist (UM) coverage with State Farm, providing $100,000 in additional protection beyond the at-fault driver’s minimal $25,000 liability policy. While State Farm initially offered only $17,500 on the UM claim, we pushed back aggressively, demonstrating the seriousness of our client’s permanent injuries and the need for full compensation.

After persistent negotiations, State Farm agreed to pay the full UM policy limits of $100,000, in addition to the $25,000 from the at-fault driver’s liability coverage.

In total, we secured a $125,000 State Farm uninsured motorist settlement, ensuring our client received the financial support she needed to move forward with her recovery.

$200,000 State Farm Uninsured Motorist Settlement – 2021

In June 2021, our client, a 39-year-old advertising account executive, was enjoying an evening out with her husband and friends on Treasure Island, Florida. The group was traveling between restaurants in a road-licensed golf cart. Our client was seated in the rear, facing backward, when the driver made a sudden and unexpected U-turn. The sharp maneuver threw her from her seat and onto the pavement.

She was immediately taken to a nearby hospital where she was treated for injuries to her head, face, and left hand. She suffered lacerations around her right eye and on her hand that required stitches. Follow-up care with an orthopedic surgeon led to a nerve repair surgery on her hand. She also needed extensive dental treatment for two fractured teeth and was informed by her plastic surgeon that she would require future facial scar revision surgery.

The at-fault driver carried a $100,000 bodily injury liability policy with Progressive. Initially, the insurance company refused to accept full responsibility, offering only $34,000. After presenting strong evidence of the driver’s negligence and the severity of our client’s injuries, they ultimately paid the full $100,000 policy limit.

Fortunately, our client also had $100,000 in uninsured motorist (UM) coverage with State Farm. We demonstrated that her damages far exceeded the initial settlement and submitted a detailed demand package to State Farm. After firm negotiations, State Farm paid the full $100,000 UM policy limit.

In total, our client received $200,000 through a State Farm uninsured motorist settlement in Florida, providing her with the compensation needed to address her medical care and future recovery.

$300,000 State Farm Uninsured Motorist Settlement – 2022

In 2022, our client was walking his dog in Pinellas County when he approached a crosswalk to head toward the beach. He pressed the button to activate the rapid flashing beacons, alerting oncoming traffic that a pedestrian was crossing. After confirming the beacons were flashing, he entered the crosswalk and began to cross the street.

A distracted driver failed to notice the flashing beacons and the pedestrian crossing sign, striking our client at approximately 30 miles per hour. The impact threw our client onto the hood of the vehicle before he was propelled into the opposite lane. Fortunately, vehicles in that lane had stopped, preventing further injury. Our client lost consciousness and did not wake up until he was in the emergency room.

At the hospital, he was treated for a dislocated left shoulder, broken left collarbone, fractured ribs, multiple lacerations, and a concussion. Follow-up care with an orthopedic surgeon revealed a left shoulder rotator cuff tear. Through a rigorous physical therapy program, he was able to regain full use of his shoulder and avoid surgery.

The at-fault driver carried a $100,000 bodily injury liability policy with GEICO, which was ultimately paid. Our client also had $200,000 in underinsured motorist (UM) coverage with State Farm. After negotiations, State Farm agreed to pay the full UM policy limit.

This resulted in a combined $300,000 State Farm uninsured motorist settlement in Florida, giving our client the resources needed to move forward after this serious accident.

What Is the Average State Farm Settlement Amount for Whiplash?

Unfortunately, there is no “average” State Farm whiplash settlement amount or any other bodily injury resulting from a car accident.

However, there are certain factors that exist that can help you determine your potential recovery.

What Compensation Can I Recover?

In a Florida car accident case, there are generally two types of damages for which you may receive compensation: compensatory damages, which can be broken down into economic and non-economic damages, and punitive damages.

Economic damages are the monetary losses that you incur as a result of your accident. These include:

• Past and future medical expenses;
• Property damage;
• Loss of earning capacity; and 
• Lost wages. 

Economic damages will help compensate you for your financial losses. Thus, it is important to get the full amount you are owed from the insurance company so that you can begin to recover.

Non-economic damages, on the other hand, are more subjective and can be difficult to ascertain and calculate. Examples of non-economic damages include:

• Pain and suffering; 
• Loss of enjoyment of activities; and 
• Loss of consortium. 

Economic damages will help compensate you for your financial losses. Thus, it is important to get the full amount you are owed from the insurance company so that you can begin to recover.

Non-economic damages, on the other hand, are more subjective and can be difficult to ascertain and calculate. Examples of non-economic damages include:

Are There Any Limits to My Amount of Recovery? 

In Florida, there are no limits to the amount of compensatory damages a court can award in a car accident lawsuit. However, State Farm will not be obligated to offer a settlement amount above the policy limit.

Thus, if your actual damages exceed State Farm’s settlement offer, you may need to begin to consider whether you want to settle or seek a higher award through the courts.

Additionally, Florida does impose a limitation on recoverable punitive damages. In general, this cap is up to three times the amount of compensatory damages or $500,000, whichever is greater.

In some scenarios, the limit can be extended to either four times the amount of your compensatory damages or $2 million. An experienced car accident attorney near you can help you determine whether punitive damages in Florida could be available and which cap applies to your case.

How a Car Accident Lawyer Can Help Get You a Favorable Recovery

Insurance companies like State Farm run their business by denying and underpaying as many claims as possible. When you are up against a large insurance company, this can feel overwhelming and intimidating.

However, the importance of having an attorney in your corner cannot be overstated in helping you get a favorable recovery.

A car accident lawyer can help you gather evidence, assess your available damages, and negotiate your settlement with State Farm.

In short, a personal injury lawyer with knowledge of the law and experience handling insurance claims can help you fight for your rights and work to make sure that State Farm pays you what you deserve.

Contact Our Firm Today

Abrahamson & Uiterwyk is an experienced personal injury law firm that has been helping clients fight for their rights for over 35 Years.

We have recovered hundreds of millions of dollars in compensation for car accident victims and their families, handling insurance claims and settlements for clients throughout Florida.

When it comes to taking on big insurance companies like State Farm, we want to help. We have the experience, and we are ready to fight for you. If you’re dealing with a USAA claim, a USAA pain and suffering calculator can help estimate your non-economic damages. Contact us today for your free consultation to see what we can do for you.

FAQ

Is It Worth the Cost to Hire an Attorney? 

What is “worth it” will vary from client to client.

However, at Abrahamson & Uiterwyk, we want to make this process as easy on you as possible. When you retain us, you will not incur fees or costs unless we win your case.

What If State Farm Still Denies or Underpays My Claim? 

If State Farm continues to deny your claim or pays you less than you deserve, we won’t stop there. We have a team of experienced trial lawyers that will take your case to court if that is what is in your best interest.

How Do I Know When It’s Time to Consult With a Lawyer? 

While you can always try to handle a claim with State Farm on your own, we would strongly recommend consulting with an attorney before settling your claim.

It is never too early to reach out to our team—the sooner you contact us, the sooner we can get started on your case.

How Accurate is the State Farm Injury Settlement Calculator?

The calculator provides an estimate based on general factors that influence injury settlements. The actual settlement may differ due to unique circumstances in your case.

Can I Use this Calculator for Other Insurance Companies?

Yes, while this calculator is designed for State Farm claims, you can use it to estimate settlements for other insurers as well. The general principles of personal injury compensation apply across different providers.

What Other Factors Can Increase My Settlement Offer?

Factors like the strength of your legal representation, the presence of expert witnesses, and clear documentation of your injury can all contribute to a higher settlement offer.