Personal Injury Lawyers
Serious injuries change everything—your health, your work, and your family’s plans. Payne Law represents injured people and families across Florida, Colorado, Georgia, North Carolina, South Carolina, and Texas, handling the insurance process from claim to settlement or trial. We take on the paperwork and the pressure so you can focus on getting better.
Why Choose Payne Law For Your Injury Case
Insurance carriers are trained to minimize payouts. We build leverage with evidence, clear damages modeling, and a readiness to try the case if needed.
- Evidence-Driven Strategy: Scene investigation, video preservation, vehicle data, incident reports, and expert reconstruction when appropriate.
- Full Damages Picture: Medical bills and future care, lost wages and loss of earning capacity, property damage, pain and suffering, and loss of enjoyment of life.
- Insurance Coverage Mastery: We identify all sources—at-fault liability, UM/UIM, PIP/MedPay, excess/umbrella policies, corporate coverage, and third parties.
- No Upfront Fees: We work on contingency—you don’t pay unless we recover.
Types Of Personal Injury Cases We Handle
We take on a wide range of negligence claims for individuals and families:
- Motor Vehicle Crashes: car, truck, motorcycle, rideshare (Uber/Lyft), delivery vehicles, and multi-car collisions.
- Pedestrian & Bicycle Injuries: crosswalk impacts, dooring, unsafe road work zones, inadequate lighting or markings.
- Slip/Trip & Falls (Premises Liability): wet floors, broken steps, loose mats, inadequate maintenance, negligent security.
- Wrongful Death: compassionate, trial-ready representation for families seeking accountability.
- Dog Bites & Animal Incidents: owner liability, landlord responsibility, and scarring/nerve damage claims.
- Catastrophic Injuries: traumatic brain injury (TBI), spinal cord injury, fractures, burn injuries, and complex regional pain.
Not sure if your situation qualifies? Free case review—we’ll tell you quickly and clearly.
What Compensation Can You Recover?
Every case is unique, but the law allows recovery for both economic and non-economic losses. We document each category with medical records, expert opinions, and clean financial proof.
- Medical Expenses: ER, surgery, hospitalization, physical therapy, prescriptions, medical devices; future care when needed.
- Income Losses: missed work, reduced hours, job changes, and loss of earning capacity.
- Pain And Suffering: physical pain, emotional distress, anxiety, PTSD, and loss of enjoyment of life.
- Property Damage: vehicle repairs/replacement and diminished value for newer cars.
- Out-Of-Pocket Costs: travel to treatment, home/vehicle modifications, childcare help.
- Punitive Damages (in limited cases): for egregious or reckless conduct.
- Deep experience with Personal Injury disputes
- Clear updates and a straightforward game plan
- We negotiate hard; then litigate when needed
- Serving homeowners, businesses, and HOAs across Florida
These testimonials and case results do not guarantee similar outcomes. Every case is unique and depends on the specific facts and circumstances involved.
How We Build A Winning Injury Claim
We start fast to preserve proof. Our team gathers photos/video, 911 and dispatch audio, police or incident reports, witness statements, and physical measurements. In vehicle cases we secure ECU/EDR (“black box”) data, phone metadata where appropriate, and nearby surveillance. For premises cases, we request maintenance logs, cleaning schedules, incident histories, and lighting diagrams. Medical records tell the story of injury and recovery; we work with treating physicians and, when needed, independent specialists to explain causation, necessity of treatment, and future needs in clear, jury-ready language.
What To Do After An Accident
- Get Medical Care First. Immediate evaluation protects your health and creates a record.
- Document The Scene. Photos, video, names of witnesses; note cameras in the area.
- Report The Incident. Call police or file an incident report with the property owner/manager.
- Do Not Guess Or Apologize. Stick to facts. Avoid social media posts about the event.
- Save Everything. Insurance letters, billing statements, estimates, wage paperwork.
- Talk To A Lawyer Early. Carriers push recorded statements and quick, low offers—don’t sign away rights.
Insurance Coverage, PIP/MedPay, And UM/UIM
Coverage rules differ by state. Some states offer PIP or MedPay that can help with initial medical bills regardless of fault; others rely on liability and optional MedPay. Uninsured/Underinsured Motorist (UM/UIM) can be a lifeline when the at-fault driver has little or no coverage. We stack policies where allowed, challenge improper denials, and coordinate health insurance, liens, and subrogation so more of the recovery stays with you.
Fault, Comparative Negligence, And Timelines
Every jurisdiction handles fault differently, and deadlines (statutes of limitation) can be strict. Even if you think you were partly at fault, you may still recover a portion of your damages under comparative negligence rules. The safest move is to call quickly—we’ll evaluate deadlines, evidence needs, and the best forum to file.
Our Process, Step By Step
You’ll know what’s happening and why. After intake, we (a) preserve evidence and notify insurers, (b) coordinate medical care and records, (c) calculate damages with future needs, (d) present a comprehensive demand, and (e) negotiate from strength. If the carrier won’t be reasonable, we file suit and move toward mediation, arbitration, or trial.
Before You Sign or Settle, Talk to Payne Law
Insurers and opposing parties move fast after a loss or injury; your best leverage is getting a lawyer involved early. Payne Law builds strong, evidence-driven files, protects critical deadlines, and negotiates from a position of proof, not pressure. A quick consult can uncover coverage you didn’t know you had, fix scope or valuation issues, and help you avoid low offers.
- Local-focused strategy across insurance and injury claims, local carriers, courts, and building/code requirements.
- Evidence-first case building (experts, reports, photos, records) to connect damages to covered events or liability.
- Relentless negotiation & escalation (supplements, appraisal/mediation, litigation when needed).
- Maximized recovery modeling for all categories of loss (property, ALE/LOU, medical bills, lost wages, pain and suffering).
- Responsive communication for fast intake, text/email updates.
Start your free case review today. Tell us what happened, upload a few photos or documents, and a Payne Law attorney will follow up promptly.
Personal Injury Insurance Claim Frequently Asked Questions
Every case is different; the best answers come from looking at your facts, documents, and deadlines. Contact Payne Law for a free, no-obligation review and clear next steps.
How Much Is My Personal Injury Case Worth?
There’s no formula. Value depends on liability clarity, medical evidence, how the injury affects your daily life and work, and the available insurance limits. We build the number with treating-doctor opinions, future-care estimates, wage documentation, and—when needed—economists or life-care planners. Just as important, we pressure-test the defense’s arguments so your demand is both aggressive and credible.
Do I Need A Lawyer If The Insurance Company Already Made An Offer?
Quick offers are designed to close the file before the full scope of your injuries is known. If you sign a release, you can’t reopen the claim—even if you later need surgery. We evaluate future treatment, wage loss, and non-economic damages, then negotiate using real medical proof. In many cases, representation changes the outcome by uncovering additional coverage and correcting undervalued categories.
Who Pays My Medical Bills While My Case Is Pending?
Depending on your state and policies, PIP, MedPay, health insurance, or worker’s compensation may be primary. Providers sometimes assert liens or subrogation rights; we manage those obligations and negotiate reductions at settlement so your net recovery goes further. If you’re uninsured, we can often coordinate treatment on a letter of protection with reputable providers.
What If I’m Partly At Fault?
In many states, you can still recover compensation even if you share some blame; your recovery may be reduced by your percentage of fault. Don’t assume fault without a full investigation. Scene photos, video, black-box data, and witness statements frequently shift the liability picture in your favor.
How Long Will My Case Take?
Simple claims can resolve in a few months once treatment stabilizes; complex or contested cases take longer, especially if litigation or trial is necessary. Rushing hurts value because damages must reflect maximum medical improvement or well-supported future care. We’ll give you a realistic timeline after evaluating liability, treatment plans, and insurance limits.
Should I Give A Recorded Statement Or Sign Medical Releases For The Other Insurer?
Not before you speak with a lawyer. Adjusters use broad releases and recorded statements to limit or deny claims. We control communications, provide targeted records, and ensure your words aren’t taken out of context. You have the right to representation—use it.
