Orlando Personal Injury Lawyers
A serious accident can upend your life in an instant. Medical bills, lost wages, and physical pain quickly pile up, and insurance companies work hard to limit your financial recovery. When you have been injured because of someone else’s careless or reckless actions, you deserve an advocate who will protect your rights and fight for the full injury compensation you are owed.
At Chubb Law, our Orlando personal injury lawyers provide client-focused representation to accident victims across Florida. Whether you are recovering from a traffic crash, a dangerous property condition, or medical negligence, our experienced personal injury attorneys are here to stand up for you. With a reputation for aggressive advocacy, Chubb Law is the Orlando injury law firm people trust. We understand how overwhelming the aftermath of an accident is and will guide you through every step of your injury claim.
What You Need to Know About Personal Injury
Personal injury law exists to help people recover compensation when another party’s negligence causes harm. Unlike criminal cases, which focus on punishment, personal injury claims focus on medically, emotionally, and financially restoring injury victims to the fullest extent possible. A personal injury lawyer helps you:
- Investigate the cause of your accident
- Determine who is legally responsible
- Collect evidence to support your injury claim
- Calculate the full extent of your damages
- Negotiate with insurance companies
- Pursue litigation if the insurer refuses to treat you fairly
These cases can involve everything from auto accidents and unsafe buildings to defective products and medical errors. Regardless of the type of injury you suffered, our skilled Orlando injury attorneys will help you understand your rights and your best legal options moving forward.
Understanding Personal Injury in Orange County
Orange County is home to over 1.5 million residents and some of the most visited tourist destinations in the world. With busy highways, theme parks, commercial development, and constant traffic, accidents occur every day. Common risks in the Orlando area include:
- High-traffic corridors such as I-4, SR-408, SR-417, and Colonial Drive
- Tourist-dense areas near theme parks, convention centers, and resorts
- Large commercial vehicles transporting goods throughout Central Florida
- Pedestrian-heavy downtown areas
- Recreational waterways and boating traffic
These conditions make Orange County a hotspot for severe injuries. When accidents happen, Chubb Law’s Orlando personal injury attorneys are here to protect your interests and pursue justice on your behalf.
Personal Injury Statistics
Florida consistently reports some of the highest accident and injury numbers nationwide. Recent data shows that more than 395,000 traffic crashes occurred in Florida in 2023, according to the Florida Department of Highway Safety and Motor Vehicles (FLHSMV). Over 26,200 of these accidents happened in Orange County. More than 16,600 people were injured and 172 killed in Orange County traffic accidents in 2023. Pedestrian and bicycle accidents accounted for 1,092 injuries and 76 fatalities in Orange County in 2023.
Theme park and tourist-related accidents contribute to numerous injuries each year, according to the Florida Department of Agriculture and Consumer Services. Recreational boating accidents and deaths in Florida are the highest in the country, according to the National Safe Boating Council. These statistics highlight the importance of hiring experienced injury lawyers who understand the unique risks and legal challenges of personal injury cases in Orlando and throughout Florida.
Key Legal Concepts in Personal Injury Lawsuits
Several key legal principles can influence the outcome of your Florida personal injury case:
- Negligence: You must prove the at-fault party failed to act reasonably and that their failure caused your injury.
- Duty of care: Different relationships create different responsibilities. Drivers owe a duty to follow traffic laws. Property owners owe a duty to keep visitors safe. Manufacturers owe a duty to design products that are reasonably safe.
- Causation: You must show that the defendant’s actions or inaction directly caused your accident or injury.
- Damages: Damages include all physical, financial, and emotional losses caused by the accident.
- Comparative fault: Florida’s modified comparative negligence law may reduce your compensation if you were partially at fault.
- Strict liability: Under strict liability, you do not necessarily need to prove negligence. You only need to prove that the injury occurred because of a defective product or an animal’s attack.
An experienced Orlando personal injury lawyer will meticulously apply these concepts to your specific circumstances, building a strategic case designed to overcome defenses and maximize your injury compensation.
Legal Rights of Personal Injury Victims
If another party’s negligence caused your injuries, you are entitled to several essential legal rights, including:
- The right to pursue injury compensation: You have the right to seek full financial recovery for all past, present, and future losses caused by the at-fault party’s negligence. This includes the right to recover economic and non-economic damages.
- The right to medical treatment: You have the right to seek and receive all necessary and reasonable medical treatment for your injuries, and to have the costs of this treatment included as a crucial component of your injury claim against the at-fault party.
- The right to legal representation: You have the right to hire an Orlando personal injury lawyer who will operate on a contingency fee basis. This means you pay no attorney’s fees unless they successfully secure injury compensation for you through a settlement or verdict.
- The right to file a lawsuit if settlement negotiations fail: You are not obligated to accept an unfair or low settlement offer made by an insurance company. You can reject them and proceed to negotiation or litigation.
- The right to discovery: Once you file a lawsuit, you have the right to use the legal process of discovery, which includes interrogatories, requests for production, and depositions, to gather evidence directly from the defendant and relevant third parties.
- The right to a trial by jury: If your attorney cannot reach a fair settlement, you have the constitutional right to have your case presented to a jury of your peers.
Insurance companies often try to take advantage of victims who are unfamiliar with these rights. Working with a seasoned Orlando personal injury attorney ensures you are treated fairly and that your claim is valued properly.
Damages You Can Recover from Personal Injury Accidents
The damages available in Florida personal injury cases depend on the severity of your injuries, but may include:
Economic Damages
These are quantifiable, objective financial losses directly resulting from the injury that can include:
- Past and future medical bills: Compensation for all necessary medical treatment, from emergency room visits and hospital stays to future surgeries and follow-up care
- Rehabilitation and therapy: Costs associated with physical therapy, occupational therapy, and other rehabilitative services required to help you regain function
- Prescription medications: Reimbursement for all necessary immediate and long-term drugs related to the injury
- Medical equipment: Expenses for necessary adaptive or assistive devices, such as wheelchairs, crutches, prosthetics, or home modifications
- Lost wages: Income lost from time missed at work due to the accident and recovery period
- Loss of future earning capacity: Compensation for the projected reduction in lifetime income if the injury results in long-term disability or prevents you from returning to your previous profession
- Property damage: Costs associated with repairing or replacing damaged personal property
Non-Economic Damages
These are subjective, non-monetary losses that affect your quality of life and may include:
- Pain and suffering: Compensation for the physical discomfort, agony, and chronic pain experienced due to the injury
- Emotional distress: Damages for psychological harm, including anxiety, depression, fear, and post-traumatic stress disorder (PTSD) stemming from the accident
- Physical impairment: Compensation for the lasting loss of bodily function, mobility, or dexterity caused by the injury
- Loss of enjoyment of life: Damages for the inability to participate in hobbies, recreational activities, or daily activities that you enjoyed before the injury
- Scarring or disfigurement: Compensation for permanent visible marks or changes to your body that affect self-esteem and social life
Punitive Damages
In rare cases, the court may award punitive damages when the defendant’s conduct was particularly reckless or malicious.
Chubb Law’s injury attorneys thoroughly evaluate every category of damages so nothing is overlooked.
Insurance Coverage for Personal Injury Accidents
Insurance issues often complicate personal injury claims. Depending on the type of accident, the following insurance coverages may apply:
- Personal injury protection (PIP): Florida is a no-fault state for car accidents, requiring drivers to carry PIP insurance. This coverage pays 80% of your medical bills and 60% of lost wages up to $10,000, regardless of who caused the accident.
- Bodily injury liability (BIL): This is the coverage that pays for the other driver’s injuries and losses if you are at fault and their injury meets the permanent injury threshold.
- Uninsured/underinsured motorist (UM/UIM): This coverage protects you if you are injured by a driver who has no insurance or insufficient insurance.
- Homeowner or renter’s insurance: This often provides coverage for premises liability claims, like slip and falls on residential property, and specific animal attacks, like dog bites, occurring on or off the policyholder’s property.
- Boat insurance: Like auto insurance, this policy covers accidents, negligence, or injury that occur on the water and may include liability coverage for injuries caused to others.
- Umbrella policies: These policies provide an extra layer of liability coverage above standard policies. They are critical when catastrophic injuries require compensation exceeding the primary policy limits.
- Medical malpractice insurance: This specialized professional liability coverage protects healthcare providers against claims of injury or death resulting from negligence or errors in medical treatment.
- General liability insurance: In premises liability cases, commercial compensation is sought from the property owner’s commercial general liability insurance policy.
Insurance companies frequently delay claims, dispute liability, minimize injuries, or pressure victims into inadequate settlements. Our skilled Orlando injury lawyers will handle all negotiations to protect your financial recovery.
Common Types of Personal Injury Cases We Handle in Orange County
Chubb Law is a comprehensive personal injury law firm representing clients in all types of injury claims. Our Orlando personal injury attorneys have extensive experience with:
- Car accidents: These often include head-on crashes, intersection collisions, hit-and-run crashes, distracted driving accidents, drunk driving accidents, and rideshare collisions.
- Truck accidents: We handle crashes involving semi-trucks, delivery trucks, commercial carriers, and overweight or improperly loaded vehicles.
- Motorcycle accidents: Motorcyclists often suffer catastrophic injuries because they are fully exposed on the roadway.
- Bicycle accidents: Orlando’s growing cycling community faces significant risks from careless drivers, poor infrastructure, and high-traffic areas.
- Boat accidents: Florida leads the nation in boating accidents. We represent clients injured on lakes, rivers, and coastal waters.
- Dog bites and animal attacks: Florida imposes strict liability on dog owners in many cases, making compensation more attainable for victims.
- Catastrophic injuries: These injuries include traumatic brain injuries, spinal cord damage, amputations, and life-altering impairments.
- Burn injuries: These injuries often result from fires, explosions, defective products, and workplace incidents.
- Birth injuries: These injuries can include oxygen deprivation, shoulder dystocia, and preventable delivery complications.
- Medical malpractice: These cases range from surgical errors to misdiagnosis to medication mistakes.
- Theme park accidents: Orlando’s world-renowned theme parks, water parks, and attractions present unique injury risks.
- Premises liability: These include slip-and-falls, negligent security, structural failures, and unsafe property conditions.
- Product liability: These cases involve defective consumer products, auto parts, medical devices, and industrial equipment.
- Wrongful death: We help families pursue justice and compensation after someone’s negligence causes the loss of a loved one.
No matter the type of injury, our Orlando personal injury law firm is equipped to pursue maximum compensation for you.
Common Causes of Personal Injuries
Personal injuries in Orlando occur for many reasons, including:
- Distracted driving
- Speeding
- Drunk or impaired driving
- Hazardous property conditions
- Negligent security
- Manufacturing defects
- Inadequate maintenance
- Unsafe amusement park rides
- Boating under the influence
- Medical negligence
- Failure to follow safety regulations
When negligence leads to injury, our personal injury attorneys are ready to investigate what went wrong and hold the responsible parties accountable.
What to Do After a Personal Injury
Taking the right steps after an accident can protect your health and legal rights:
- Seek medical attention immediately.
- Report the incident to law enforcement, property owners, or employers.
- Document the accident scene with photos and videos.
- Collect witness information if possible.
- Avoid giving statements to insurance adjusters.
- Follow all medical recommendations.
- Contact our Orlando personal injury lawyers as soon as possible.
The earlier you involve an attorney, the stronger your injury claim will be.
The Cost of Personal Injuries
The financial and personal cost of a severe personal injury extends beyond initial medical bills. This economic burden is what your injury compensation must cover. Immediate costs include ambulance fees, emergency room treatment, surgery, and immediate physical therapy. Intermediate costs include follow-up appointments, specialized diagnostic tests, prescription medications, and durable medical equipment. Long-term costs include future surgeries, ongoing physical therapy, in-home care, specialized rehabilitation for catastrophic injuries, psychological counseling for PTSD or anxiety, and the loss of lifetime earning capacity.
Personal injuries also take an economic toll on the country. Data from the National Safety Council (NSC) shows that preventable injuries cost Americans over a trillion dollars each year when accounting for medical care, lost productivity, and related economic losses. When factoring in the broader impact on a person’s quality of life, the burden exceeds $6.4 trillion annually. These figures highlight how financially devastating an injury can be to the victim and their families, employers, and communities. At Chubb Law, we carefully document every cost associated with your accident to help you receive fair and complete compensation.
The Personal Injury Accident Claim Process in Florida
While every case is unique, most personal injury claims follow the key stages:
- Initial consultation with a personal injury attorney
- Investigation and evidence collection
- Medical treatment and documentation
- Demand package submitted to insurance companies
- Negotiation for a settlement
- Filing a lawsuit if negotiations fail
- Discovery, depositions, and expert testimony
- Mediation or settlement conferences
- Trial, if necessary
Our personal injury lawyers handle every aspect of this process so you can focus on healing.
Building a Strong Case for a Personal Injury
Winning a personal injury case requires compelling evidence. Our team builds strong claims through:
- Thorough accident investigations
- Surveillance footage and photographs
- Eyewitness statements
- Accident reconstruction, medical, and economic expert testimony
- Medical records and diagnostic imaging
- Employment documentation
- Cell phone or vehicle data
- Product testing for defective products
- Maintenance and safety records
A detail-oriented approach allows our Orlando injury attorneys to present a powerful case on your behalf.
Florida Personal Injury Statute of Limitations
Florida’s statute of limitations for most personal injury cases is two years from the date of the accident. Wrongful death cases also generally have a two-year filing window. Missing this deadline can bar you from recovering compensation, making it crucial to contact an Orlando personal injury lawyer promptly.
Establishing Negligence in a Florida Personal Injury Case
To win your case, your personal injury attorney must prove:
- The defendant owed you a duty of care.
- They breached that duty through negligent actions.
- The breach caused your injury.
- You suffered damages as a result.
Examples include a driver texting while driving, a business failing to clean up a spill, a doctor misreading diagnostic results, or a manufacturer releasing a defective product. Attorney Mitch Chubb and our legal team at Chubb Law have extensive experience proving negligence in complex personal injury claims.
Comparative Fault in a Personal Injury Claim
Florida uses a modified comparative negligence system. This means that the court will reduce your compensation by your percentage of fault. If you are more than 50% at fault, you cannot recover damages. Insurance companies often try to shift blame to reduce payouts. Our experienced Orlando injury attorneys will fight to protect your right to full and fair compensation.
Liability in Personal Injury Accidents
Liability depends on the type of accident, but may involve:
- Drivers
- Trucking companies
- Rideshare companies
- Product manufacturers
- Property owners
- Businesses
- Healthcare providers
- Boat operators
- Employers
- Government agencies
Our injury lawyers thoroughly investigate every possible defendant to maximize your recovery.
Why You Should Choose Chubb Law for Your Personal Injury Case
Chubb Law is not just another injury law firm. We are a client-centered team committed to delivering results for injured Floridians. We are proud to offer:
- A reputation built on results: We have recovered millions for injured victims throughout Florida. We know what it takes to win, and we never back down from complex cases.
- Personal, compassionate representation: Clients are more than case numbers. We provide close communication, individual attention, and clear guidance throughout your entire case.
- Aggressive advocacy against insurance companies: Insurance companies know who is willing to fight, and our reputation speaks for itself. We negotiate from a position of strength.
- Lake Mary office with statewide reach: While we are based in Lake Mary, our Orlando personal injury law firm proudly serves accident victims across every Florida community.
- You do not pay unless we win: We handle all personal injury cases on a contingency fee basis. You owe nothing unless we recover compensation for you.
Chubb Law also stands apart because of Mitch’s 8 Promises to every client. We offer free consultations, zero out-of-pocket fees unless we win, and proactive communication so you are never left in the dark. You stay in control of your case, and we put 110% into every claim. We are committed to putting more money in your pocket, and if the insurance company has already made you an offer, we back it with our increased offer guarantee. We treat clients like people, not files, and they are the reason so many Floridians trust Chubb Law after a severe injury.
We Answer Your Frequently Asked Questions About Personal Injuries
How much is my personal injury claim worth?
Your case value depends on the severity of your injuries, medical costs, lost income, and long-term impacts. Our injury attorneys evaluate each factor to determine a fair settlement amount.
Do I need a personal injury attorney?
Yes. Insurance companies prioritize profit, not your well-being. Our skilled Orlando injury lawyers protect your rights and recovery.
How long will my case take?
We may settle simple cases within a few months, while complex cases involving serious injuries or litigation may take longer.
What if I am partially at fault?
You may still recover compensation if you are 50% or less at fault.
Will my case go to trial?
Most cases settle, but Chubb Law prepares every case as if it will go to trial to give you the strongest possible position.
Contact Chubb Law Today
If you or a loved one has been injured in Orlando, Orange County, or anywhere in Florida, you deserve a dedicated advocate in your corner. Contact Chubb Law today to speak with an experienced Orlando personal injury lawyer about your rights and options. We are ready to pursue the justice and compensation you deserve. Call now or contact us online to schedule your free case evaluation.
Supporting The Community
At Chubb Law, supporting the local communities in our region is
is part of who we are
We’re proud to sponsor local events, organizations, and community initiatives in Orlando, FL and the surrounding communities.
