Published: June 30, 2023 | Brian L. Elstein, Esq.

If you’ve been in a car accident in Florida, you probably want to get the most money fast and without a big fuss. Each case is different, but knowing what usually happens can help make things quicker. The table below shows you the main steps and how long they usually take.

StageDurationKey ActionsHow to Expedite
Right After the AccidentDays 1-7Report accident, get medical helpCall the police and go to the ER right away
InvestigationWeeks 1-4Collect evidence, medical checksKeep all records, take photos, get witness contacts
Talking with InsuranceWeeks 2-12First offers, negotiationsStick to the facts, avoid delays, consider getting a lawyer
Maybe Going to CourtMonths 3-24Prepare for trial if neededGather all your evidence, stay organized
Settlement or Court OutcomeVariesFinal settlement or court decisionBe prepared, follow your lawyer’s advice
Note: this is a generalized timeline, contact us for a personalized timeline

Steps to Expedite a Claim and Maximize Compensation

Reporting the Accident: Days 1-7

Report the accident to the police right away. A timely and accurate police report not only provides a foundation for your claim but helps to speed things up. Make sure to collect a copy for your records.

Seeking Medical Attention: Days 1-7

Don’t skip the doctor visit. Immediate medical attention helps prove the severity of your injuries, speeding up your claim process. Keep all medical records.

Notifying Your Insurance: Days 1-7

Call your insurance company as soon as you can. Fast reporting keeps your claim moving and shows you’re on top of things.

Investigation Phase: Weeks 1-4

Gather all your evidence—photos, witness statements, medical records—as fast as you can. The quicker you collect and submit this information, the faster your claim will progress.

Negotiations with Insurance: Weeks 2-12

Don’t just accept the first offer from the insurance company. Quick, informed counteroffers can help you get the most compensation in the least amount of time.

Potential Lawsuit Filing: Months 3-24

If talks aren’t moving, consult a lawyer about potentially filing a lawsuit. Having legal aid lined up can make this process quicker and may push for a pre-trial settlement.

Why Legal Help Matters for Fast and Fair Settlements

Hiring an experienced car accident attorney can can make all the difference when it comes to getting maximum settlement in a quick manner. Here’s how legal help makes a difference:

Expert Navigation

Lawyers are well-versed in the rules and timelines, ensuring no costly mistakes or delays.

Effective Negotiations

A skilled attorney can challenge lowball offers and secure a better payout, often much faster than you could on your own.

Complete Documentation

Lawyers ensure all paperwork is done right and on time, streamlining the claim process.


If negotiations stall, a prepared legal team can quickly move to file a lawsuit, potentially motivating an early settlement.

Maximizes Settlements

By evaluating the full scope of your injuries and losses, a lawyer aims to get you the highest possible compensation.

Hiring a lawyer can remove the guesswork and speed up your settlement, while also ensuring you get the compensation you deserve.

Factors Influencing Settlement Speed and Amount

There’s no one-size-fits-all answer to how long a settlement takes or how much you’ll get. Here’s what can make a difference:

Severity of Injuries

More serious injuries usually mean longer timelines for medical assessments, and potentially bigger payouts.

Disputed Liability

If it’s unclear who’s at fault, expect delays. Both sides will take time to investigate.

Claim Size

Larger claims often require more scrutiny, slowing down the process but possibly resulting in a bigger settlement.

Willingness to Negotiate

If either party is uncooperative, it can prolong the process. A lawyer can help break the stalemate.

Complexity of Accident

Multiple vehicles or injured parties can add layers of complexity, leading to a longer settlement timeline.

Steps After the Table: What Comes Next?

Post-accident, you’ll move through various stages, each with its own timeline and actions. Here’s what to expect:


Gather evidence like photos and witness statements to establish facts. Medical evaluations also happen during this phase.


This is where offers and counteroffers happen. A lawyer can provide valuable advice on when to settle.

Potential Lawsuit

If negotiations fail, your lawyer will be ready to take the matter to court. This is usually a last resort due to the time and cost involved.

FAQs About How Long It Takes To Settle A Car Accident Claim

How long does a car accident settlement usually take in Florida?

Timelines can range from weeks to several months, depending on various factors.

What steps can I take to speed up my car accident claim?

Prompt medical care, accurate documentation, and skilled negotiation can help.

Why should I hire a lawyer for my car accident claim?

A lawyer knows how to navigate the system and can help you get your compensation quicker.

How does Florida’s no-fault law affect my car accident claim?

Your own insurance will cover initial costs. For severe injuries, you can pursue additional claims against the at-fault driver.

What if the car accident was partially my fault?

Florida’s comparative negligence rule allows you to claim even if you share some blame.

What documents are crucial for my car accident claim?

Medical records, police reports, and proof of lost wages should be gathered.

How is my car accident compensation amount determined?

Factors include medical costs, loss of earnings, and severity of injuries.

Why Choose Elstein Legal to Represent your Case?

Brian Elstein, Miami Personal Injury Attorney

Since opening Elstein Legal in 2018, Miami personal injury attorney Brian L. Elstein has recovered millions on behalf of his deserving clients. A cum laude graduate of Nova Southeastern University, Brian Elstein honed his skills early as a member of the Nova Trial Association.

Today, he is recognized by The National Trial Lawyers as a Top 40 Under 40 Lawyer in Florida and has been selected to the 2022-2023 Florida Rising Stars list by Super Lawyers Magazine – a distinction given to only 2.5% of attorneys in Florida, and named 2022 Best Litigation Attorney by

2022 Florida Rising Stars Award Super Lawyers Magazine
The National Trial Lawyers: Top 40 under 40
Best of the bar
Brian Lewis ElsteinReviewsout of 1 review

Get a Free Consultation!

Fill the form and we will contact you immediately. NO FEES UNLESS WE WIN
Contact Us
By submitting you agree to our Terms & Privacy Policy