The Johnson (not their real names) family’s life changed in an instant on a rainy Florida
afternoon. While driving back from their daughter’s soccer practice, they were rear-
ended at a red light. At first glance, the damage looked minor, and other than a sore
neck, Mark Johnson, father, coach, and carpool dad, felt okay. He brushed it off.
“Probably just a strain,” he told his wife, Karen.
But over the next few days, the pain got worse as it usually does. His neck stiffened,
headaches became frequent, and lifting anything, even a bag of groceries, was a
struggle. Upon seeing Mark’s health deteriorate, Karen decided it was time to see a
doctor.
And that’s where their real education in Florida personal injury law began.
The Clock Was Ticking
Florida law gives you only two years from the date of most personal injuries to file a lawsuit something the Johnsons didn’t know. In fact, they thought they had four years, but a recent change in 2023 shortened that window. If Karen hadn’t acted, they could’ve lost their chance to file a claim entirely. Mark’s doctor confirmed soft tissue damage and referred him to a specialist. Their PIP (Personal Injury Protection) insurance was primary (meaning that you look to your auto insurance first for coverage after a collision), covering the initial expenses, since Florida is a no-fault state for car accidents. But that $10,000 limit? It didn’t go far with diagnostics, physical therapy, and time off work.
“You May Need to Sue”
When the doctor mentioned that Mark’s injury might be long-term, their case moved into
new legal territory. Because of Florida’s modified comparative negligence rule, if
Mark was found to be even 51% at fault, he couldn’t recover any damages from the
other driver.
So they played it smart.
They stopped communicating directly with the other driver’s insurance company. No
more recorded statements. No more casual updates. Instead, Karen called The
Dellutri Law Group, a firm known for its compassion and dedication, and almost 1,300
five-star reviews to back it up.
“It was like a weight lifted off our shoulders,” Karen later said. “They explained
everything so clearly, and they didn’t rush us into anything.”
What They Did Right (and You Should Too)
The Johnsons learned a few key lessons the hard way, lessons that other Florida families can benefit from:
- Seek Medical Attention Immediately
Even if you feel “mostly fine,” injuries like whiplash or internal bruising may not show up right away. Medical documentation is crucial for the insurance companies and a jury to believe you were truly injured. - Document Everything
Karen took photos of the accident scene, the car damage, and Mark’s initial injuries. She kept a journal indicating his symptons, pain levels, and frustrations. She kept track of medical visits, lost wages, and other out of pocket expenses. - Limit Social Media
Their attorney at The Dellutri Law Group warned them early: don’t post about the accident online. Insurance companies can and will use your own posts against you. 4. Don’t Rely on the Insurance Company
Insurers want to minimize payouts. Early on, the Johnsons were offered a lowball settlement. They were glad they never responded to the lowball offer. We stepped in and negotiated a significantly higher compensation package. - 5. Know That Help Is Available The Johnsons had never hired a lawyer before, and the process felt overwhelming at first. They were worried about the cost—until they found out that most personal injury attorneys in Florida work on a contingency fee basis. If the case isn’t won, you don’t pay.
Life After the Accident
Today, Mark is still going to physical therapy once a week, but he’s improving. The
compensation they received helped cover medical bills, replace lost income, and bring
peace of mind. But more importantly, the experience changed how they viewed the
law—and the importance of acting quickly and smartly when the unexpected happens.
Their advice?
“Don’t wait. Even if it seems minor, make the call. Hire an attorney that you can trust.
Hire an attorney that is actually a human being that you can talk to and who listens,
someone who actually cares.”
If You’re in Florida, Don’t Go It Alone
If you or someone you love is navigating a personal injury situation, take a lesson from
the Johnsons: don’t do it alone. The Dellutri Law Group has helped thousands of Florida
families just like yours, they’ve earned a reputation for getting results while treating
people with compassion and respect.
Your recovery matters. Your rights matter. And the right law firm can make all the
difference.
Contact The Dellutri Law Group today for a free consultation, and take the first
step toward peace of mind.
Dellutri Law Group: 239-939-0900