Filing a Motorcycle Accident Claim in Florida: a Step-by-Step Guide

Motorcycle accidents can be devastating, leading to severe injuries, substantial medical expenses, and emotional trauma. In Florida, motorcyclists face unique risks due to the state’s traffic conditions and weather patterns. Understanding the process of filing a motorcycle accident claim is crucial for ensuring that victims receive the compensation they deserve. This guide will walk you through the steps involved in filing a motorcycle accident claim in Florida, providing clarity and support during a challenging time.

Understanding Motorcycle Accident Laws in Florida

Before delving into the process of filing a claim, it is essential to understand the legal landscape surrounding motorcycle accidents in Florida. The state follows a no-fault insurance system, which means that in most vehicle accidents, each party’s insurance covers their medical expenses regardless of who is at fault. However, motorcycles are excluded from this system. This exclusion means that motorcyclists must pursue compensation through the at-fault party’s insurance or file a personal injury lawsuit. This distinction highlights the importance of knowing your rights and the procedures to follow after a motorcycle accident.

Immediate Steps to Take After a Motorcycle Accident

In the aftermath of a motorcycle accident, the actions you take can significantly impact your claim. Ensuring your safety and well-being is paramount. Seek medical attention immediately, even if you believe your injuries are minor. Some injuries may not manifest symptoms right away, and a medical professional can provide a thorough evaluation. Moreover, having medical records will be critical for your claim.

Contact law enforcement to report the accident. An official police report will serve as a vital piece of evidence in your case. When speaking with the officers, provide a clear and accurate account of what happened, but avoid admitting fault or making speculative statements. Collect contact information from any witnesses, as their testimonies can support your claim. If possible, take photographs of the accident scene, including damage to your motorcycle, injuries, and road conditions. These images will help reconstruct the incident and establish liability.

Documenting Your Injuries and Damages

Thorough documentation is a cornerstone of a successful motorcycle accident claim. After receiving initial medical treatment, keep detailed records of all medical visits, treatments, and prescriptions. This documentation should include notes on your physical and emotional condition, as these details will demonstrate the impact of the accident on your life. In addition to medical documentation, keep records of any property damage. Obtain repair estimates for your motorcycle and any other damaged property. This information will be crucial when calculating the total amount of compensation you are entitled to.

It is also important to maintain a journal documenting your recovery process. Record any pain, discomfort, or limitations you experience daily. This journal can serve as evidence of your suffering and help convey the accident’s long-term effects on your quality of life.

Michael Serrano

Founding Attorney

Candace “Cea” Hartley

Associate Attorney

Navigating the Insurance Claims Process

Once you have gathered all necessary documentation, you can begin the process of filing an insurance claim. Notify your insurance company about the accident as soon as possible. Provide them with the police report, medical records, and any other relevant documentation. It is important to remember that insurance companies often seek to minimize payouts. They may attempt to settle quickly with an offer that does not fully cover your expenses.

Before accepting any settlement offer, it is advisable to consult with a knowledgeable attorney. An attorney can review the offer, assess its fairness, and negotiate on your behalf to ensure you receive appropriate compensation. If the at-fault party’s insurance company denies your claim or offers an inadequate settlement, your attorney can advise you on the next steps, which may include filing a personal injury lawsuit.

Filing a Personal Injury Lawsuit

When negotiations with the insurance company do not result in a fair settlement, filing a personal injury lawsuit may be necessary. This step involves several stages, starting with the filing of a complaint in the appropriate Florida court. The complaint outlines the details of the accident, the injuries sustained, and the compensation sought. The at-fault party will be served with the complaint and given an opportunity to respond.

The discovery phase follows, during which both parties gather evidence and take depositions. This phase can be lengthy and complex, requiring meticulous attention to detail. Your attorney will play a crucial role in building your case, gathering evidence, and preparing for trial. Throughout this process, there may be opportunities for settlement negotiations. Many personal injury cases are resolved through mediation or settlement conferences, which can avoid the need for a trial. However, if a settlement cannot be reached, the case will proceed to trial, where a judge or jury will determine the outcome.

Mike Serrano’s law office was everything I needed after a very traumatic accident. He was always super up front and honest with me. I never got the feeling he was trying to sell me on something or to do something that I wasn’t comfortable with. He listened to my concerns and when it tough moments came that I needed to stand my ground. He backed me and made me feel 100% secure. He got me exactly what I needed in a settlement and I would never consider using anyone else. His office staff is also phenomenal.”

- Mary

Mike Serrano was a great attorney for my case!! He was very flexible with phone calls/ Zoom meetings. His staff are always friendly, whether it be on the phone or emails. They keep you updated during your entire case! They don’t leave you silent for months. if you call, they always call back with updates! Highly recommend!"

- Kylie Collier Border

I’ve never had to deal with a lawyer before but Mike has set the bar HIGH. He was always available to communicate my concerns and explain each step of the way. I know no other lawyer would have been able to achieve the same results because he jumped on an opportunity that was a little out of the ordinary and it paid off. He really fought for my case and over delivered. I really hope I never have another accident but if I do I’m running to Mike for help."

- Sandy Carter

Understanding Comparative Negligence in Florida

Florida follows the principle of comparative negligence, which can affect the compensation you receive. Under this rule, if you are found partially at fault for the accident, your compensation will be reduced by your percentage of fault. For example, if you are awarded $100,000 but found to be 20 percent at fault, your compensation will be reduced to $80,000. This principle underscores the importance of presenting a strong case that clearly demonstrates the other party’s liability. An experienced attorney can help navigate these complexities and advocate for the maximum compensation possible.

Seeking Compensation for Your Losses

The compensation you can seek in a motorcycle accident claim includes various types of damages. Economic damages cover quantifiable losses such as medical expenses, property damage, and lost wages. These damages aim to reimburse you for the financial costs incurred due to the accident. Non-economic damages, on the other hand, compensate for intangible losses such as pain and suffering, emotional distress, and loss of enjoyment of life. Calculating non-economic damages can be challenging, as they do not have a fixed monetary value. An attorney with experience in motorcycle accident claims can help determine the appropriate amount to seek based on the specifics of your case.

Statute of Limitations for Motorcycle Accident Claims in Florida

It is important to be aware of the statute of limitations for filing a motorcycle accident claim in Florida. The statute of limitations sets a deadline for taking legal action. In Florida, the statute of limitations for personal injury claims, including motorcycle accidents, is generally two years from the date of the accident. Failing to file within this timeframe can result in the loss of your right to seek compensation. Given the time-sensitive nature of these claims, it is advisable to consult with an attorney as soon as possible after the accident to ensure your case is filed within the appropriate timeframe.

Case Results

Car Accident

This client was injured in an auto accident with a driver who improperly merged into her lane. Her vehicle was totaled. She sustained an aggravation of her pre-existing disc herniations in her neck and new disc herniations in her lower back. We obtained the full limits of both the at-fault driver’s bodily injury coverage and our client’s underinsured motorist coverage, which were significant. The settlement was achieved without a law suit and within four months after the client finished treating.

Rear End Collision

This particular client was injured in an accident in late 2015 when she was rear-ended. She sustained an aggravation of pre-existing disc herniations in her neck and a new disc herniation which ultimately required a surgical fusion. By the time of trial, her medical bills exceeded $180,000.00. The Defendants’ offer pre-suit was $20,000.00. We were able to obtain a jury verdict of $441,000.00, plus attorneys’ fees.

Car Accident

A client was injured in a rear-end collision where he sustained an aggravation of a pre-existing disc bulge that developed into a herniation in his lower back. We obtained a jury verdict which was over 6 times what had been offered prior to trial.

Car Accident

In this case, our client injured her shoulder after being struck by a vehicle while she was performing volunteer services. The driver was traveling at such a high rate of speed entering a parking lot that he clipped another vehicle, hit a parking barrier and was launched into a tree. After the client attempted to negotiate with the insurance company prior to hiring us, we were able to obtain an amount that was over double the prior offer.

Intentional Torts

Our client was injured from an assault by a patron of a party while working security. His shoulder required multiple surgeries. He hired our office to pursue a claim to recoup his medical bills, which exceeded $130,000.00. After his assailant offered him $10,000.00 to resolve his case, we took the case to a jury to decide. The jury awarded our client all of his medical bills and tripled his award for pain and suffering.

Car Accident

This client came to us about a car wreck that occurred in 2014 where she sustained injuries. She approached our firm just one week before the statute of limitations was set to expire after being turned away by several other law firms. We filed a lawsuit and were able to obtain the limits of the at-fault driver’s bodily injury coverage and an additional settlement from the client’s insurance carrier.

Truck Crash

This couple was injured in an automobile accident after they were rear-ended in a seven-car pileup caused by a semi-trailer. Of the 15 people who made claims on the same insurance policy, our clients each received the second and third highest offers, which covered all of their past and future medical bills and their attorney’s fees.

Truck Crash

In this case, our client was injured from a rear-end collision with an eighteen-wheeler. Her original lawyer procured a settlement offer of $7,000.00 to settle her case. Because the offer did not approach the amount of bills she incurred from accident related treatment, she came to our firm for a consultation. She decided to hire us. We promptly filed suit and obtained a settlement for her.

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The Role of an Attorney in Your Motorcycle Accident Claim

Navigating the complexities of a motorcycle accident claim can be overwhelming, particularly when dealing with injuries and emotional distress. An experienced attorney can provide invaluable assistance throughout the process. From gathering evidence and negotiating with insurance companies to representing you in court, an attorney can handle the legal aspects of your claim, allowing you to focus on your recovery. They can also help you understand your rights, the potential value of your claim, and the best strategies for achieving a favorable outcome. With their support, you can pursue the compensation you deserve with confidence.

Why Choose Serrano Law for Your Motorcycle Accident Claim

At Serrano Law, we understand the challenges that motorcycle accident victims face. Our dedicated team is committed to providing compassionate and effective legal representation to help you navigate this difficult time. With a deep understanding of Florida’s motorcycle accident laws and a proven track record of success, we are here to advocate for your rights and ensure you receive the compensation you deserve.

We prioritize our clients’ needs and work tirelessly to build strong cases that hold negligent parties accountable. Our approach is tailored to each client’s unique circumstances, ensuring that we address all aspects of your claim comprehensively. From the initial consultation to the resolution of your case, we are with you every step of the way, providing guidance, support, and legal representation.

If you or a loved one has been involved in a motorcycle accident in Florida, do not hesitate to reach out to Serrano Law. Contact us today to schedule a free consultation and learn more about how we can assist you in filing your motorcycle accident claim. Let us help you secure the compensation you need to move forward and rebuild your life.