Vero Beach Personal Injury Lawyer

Our Team of Vero Beach Personal Injury Attorneys Can Help You Fight for the Compensation You Deserve

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Our offices

Vero Beach Office
Vero Beach Office 2101 15th Avenue
Vero Beach, FL 32960

If you are injured in an accident in Vero Beach, our top-rated Vero Beach personal injury lawyers have the experience, expertise, and reputation to get the results you deserve and the compensation you need.

Our legal team is available 24/7 to answer your questions, and our Vero Beach personal injury attorneys offer free, no-obligation case reviews.

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Accidents in Vero Beach are increasing

A Vero Beach personal injury lawyer sits in their office.Since 2000, records indicate that the population of Indian River County has increased from 99,000 to 174,000. Specifically, Vero Beach is growing at a rate of 1.9% annually, and its population has increased by 8.08% since the most recent census, which was recorded in 2020. Therefore, it may not be surprising that the rate of accidents in Vero Beach has increased in recent years.

Traffic data from Vero Beach shows that there were 2,350 auto accidents between January 2020 to August 2022. On average, this means there are two to three auto accidents every day in Vero Beach. Accidents in Vero Beach are increasing due to a combination of factors. The city’s growing population and influx of tourists lead to more traffic on the roads, which naturally increases the likelihood of collisions.

In addition, distracted driving is also a serious issue in Vero Beach, with many of the accidents in the city caused by reckless and careless driving. Finally, Vero Beach’s expanding urban development also means more construction zones, which can confuse drivers and lead to accidents. Regardless of how or why it happened, if you’ve been injured in an accident in Vero Beach, you need a knowledgeable, compassionate and local Vero Beach personal injury lawyer to stand up for you and fight for your right for justice and compensation.

Your trusted Vero Beach personal injury attorneys

Have you been injured in an accident in Vero Beach? When you are injured in an accident caused by someone else’s actions or negligence, you may be entitled to seek financial compensation to cover medical expenses, loss of income, property damage, and pain and suffering. But to receive full and fair compensation, you need a Vero Beach personal injury law firm that will fight for you.

At Hoskins, Turco, Lloyd & Lloyd, our Vero Beach personal injury attorneys are dedicated to helping victims and their families recover from serious accidents, including car accidents, truck accidents, motorcycle accidents, boating accidents, slip and falls, brain injuries, and wrongful death accidents. We know first-hand the devastating impact an accident can have on your physical, emotional, and financial well-being. Our dedicated legal team of experienced personal injury lawyers provides personalized and compassionate representation, ensuring your voice is heard and your needs are prioritized.

Why choose our Vero Beach personal injury law firm?

  • We are based in Vero Beach.

Other personal injury law firms on the Treasure Coast claim they are local but are actually based in Melbourne, Orlando, or West Palm. Hoskins, Turco, Lloyd & Lloyd is proudly locally owned and operated. Your case will be handled by a Vero Beach personal injury lawyer recognized as one of the top attorneys in the state of Florida.

  • Our firm has over 40 years of experience.

Our Vero Beach personal injury law firm has over 40 years of experience successfully dealing with insurance companies. With over 500 5-star Google Reviews, we have a reputation for settling personal injury cases efficiently, providing exceptional client service, and getting the maximum dollar amount for our clients.

  • Our attorneys have won over $500 million in settlements and verdicts.

Our attorneys will never be outworked. When our Vero Beach personal injury lawyers represent you, we’re all in. We never stop fighting for our clients. We don’t back down. And we will take your case to trial with all our resources behind you. That dedication and commitment is a big part of how we’ve secured over $500 million in settlements and verdicts for our clients and their families.

  • Our firm is led by a Board Certified Civil Trial Attorney

Our firm’s personal injury division is led by Board Certified Civil Trial Attorney Steve Hoskins—a distinction that less than 7% of attorneys in the State of Florida can claim. Attorney Steve Hoskins is one of the most awarded trial attorneys in South Florida. He’s consistently recognized as one of the Top 100 Trial Lawyers in the nation and locally recognized as the Best of the Best on the Treasure Coast. In addition, Attorney Taylor Hoskins was recently named to the National Trial Lawyers 40 Under 40 list.

  • You do not pay unless we win your case.

We operate on contingency fee agreements, meaning we will only get paid when you do. When you hire our Vero Beach personal injury law firm, there are no upfront costs or fees.

Types of Vero Beach personal injury cases we handle

At Hoskins, Turco, Lloyd & Lloyd, we handle a wide range of personal injury cases, representing victims of all accident types, including:

  • Car accidents – Car accidents are one of the most common types of personal injury cases. These can range from minor fender-benders to severe collisions resulting in serious injuries or fatalities. Our Vero Beach personal injury law firm can help victims of car accidents by investigating the incident, determining fault, and negotiating with insurance companies to ensure fair compensation for medical expenses, lost wages, and pain and suffering.
  • Truck accidentsAccidents involving large commercial trucks often result in catastrophic injuries due to the sheer size and weight of these vehicles. These cases can be complex, involving multiple parties such as the truck driver, trucking company, and insurance providers. We specialize in Vero Beach truck accidents because we understand the specific regulations and standards governing the trucking industry and can effectively advocate for victims to receive appropriate compensation.
  • Motorcycle accidents – Vero Beach is a hotspot for motorcyclists—especially on the barrier island and A1A. Unfortunately, though, motorcycle accidents in Vero Beach do happen, and victims need experienced personal injury attorneys who can fight for their rights.
  • Boating and watercraft accidents – As a coastal city on the Indian River, boating is extremely popular in Vero Beach. However, this also means boating accidents in Vero Beach are fairly common. These incidents are often caused by operator negligence, equipment failure, or unsafe conditions on the water. Our personal injury law firm handles Vero Beach boat accident cases by investigating the cause, determining liability, and pursuing compensation for injuries and damages.
  • Slips and falls – Slip and fall accidents can occur in various settings, including retail stores, restaurants, and private properties. Property owners have a duty to maintain safe environments, and when they fail to do so, they can be held liable for injuries that occur. Our Vero Beach personal injury attorneys can help victims prove negligence and secure compensation for their injuries, which may include broken bones, head injuries, and other serious conditions.
  • Brain injuries – Brain injuries can have life-altering consequences, affecting cognitive abilities, physical function, and emotional well-being. These injuries can result from various types of accidents, including car crashes, falls, and sports-related incidents. Our personal injury legal team advocates for victims by seeking compensation to cover long-term medical care, rehabilitation, and the impact on the victim’s quality of life.
  • Wrongful death cases – Losing a loved one due to someone else’s negligence is an unimaginable tragedy. Our Vero Beach personal injury law firm handles wrongful death cases to help surviving family members seek justice and compensation for their loss. While no amount of money can replace a lost loved one, holding the responsible parties accountable can provide a sense of closure and financial stability.

Other types of personal injury cases we handle

At Hoskins, Turco, Lloyd & Lloyd, our Vero Beach personal injury lawyers also represent victims of other types of personal injury accidents, including but not limited to:

  • Bicycle accidents
  • Pedestrian accidents
  • Dog bite attacks
  • Swimming pool accidents
  • Construction site accidents
  • Scooter accidents
  • ATV accidents
  • Golf cart accidents
  • Negligent security cases
  • Vacation accidents

Have questions about a Vero Beach personal injury case?

Contact our knowledgeable Vero Beach personal injury lawyers today for a free, no-obligation consultation regarding your potential case. Fill out our online contact form for an instant response, or call 866-930-6435 to speak with an attorney and schedule your free case review.

What compensation can you claim after an accident in Vero Beach?

If you are injured in an accident in Vero Beach, the financial burden of your personal injury should not disrupt your life and livelihood. Unfortunately, many injury victims either receive extremely low settlement offers or no settlement offer at all to compensate for the costs incurred from their accident.

Moreover, it can be challenging to accurately predict the full extent of your injury costs over the long term. The true cost of a personal injury often becomes apparent months or even years after the accident. This is due to immediate healthcare expenses, such as ambulance rides and emergency room visits, as well as long-term healthcare costs, including surgeries and physical therapy, and economic losses, such as lost wages from being unable to work.

This is why you should contact an experienced personal injury lawyer in Vero Beach to represent you and file a personal injury claim on your behalf. In general, an insurance claim in a personal injury case will cover the following types of damages:

What damages are covered in a personal injury case?

  • Medical bills: Covers the cost of medical care related to the injury, including hospital stays, surgeries, doctor visits, medications, rehabilitation, and future medical care.
  • Lost wages: Compensates for the income lost during the period you are unable to work due to your injuries.
  • Loss of earning capacity: If your injury affects your ability to earn a living in the future, you may receive compensation for the reduced earning capacity.
  • Property damage: Reimbursement for repair or replacement of property damaged in the incident, such as your vehicle in a car accident.
  • Out-of-pocket expenses: Includes various costs incurred as a result of the injury, such as transportation to medical appointments, home modifications, or hiring help for tasks you can no longer perform.
  • Pain and suffering: Compensation for the physical pain and discomfort caused by the injury.
  • Emotional distress: Damages for psychological impacts, such as anxiety, depression, or post-traumatic stress disorder (PTSD).
  • Loss of enjoyment of life: You may be able to receive compensation for loss of enjoyment of life if the injury prevents you from enjoying activities and hobbies you once loved.
  • Loss of consortium: You may be able to receive compensation for the negative impact on your relationship with your spouse or family members due to the injury.
  • Disfigurement and scarring: In some cases, accident victims may be able to receive compensation for any permanent disfigurement or significant scarring resulting from the injury.

How can a Vero Beach personal injury attorney help?

Understanding the types of damages you can claim in a personal injury case is crucial for ensuring you receive full and fair compensation for your losses. An experienced personal injury lawyer in Vero Beach can help you identify all potential damages in your case, gather necessary evidence, and advocate on your behalf to secure the maximum possible recovery.

Want to know how much your personal injury case is worth?

Call our Vero Beach personal injury law firm today to speak with one of our attorneys. We can review your case for free and provide you with information regarding the value of your claim. Contact us online or call 866-930-6435 to schedule your free case review today.

What factors influence the value of a car accident settlement in Vero Beach?

When pursuing a settlement for a car accident in Vero Beach, several factors can influence the value of your claim. Understanding these factors can help you better navigate the legal process and ensure you receive fair compensation for your losses. Here are the key elements that impact the value of a car accident settlement:

  1. Severity of injuries – The extent and severity of your injuries are primary factors in determining the value of your settlement. More severe injuries typically result in higher medical expenses, longer recovery periods, and greater pain and suffering. Settlements for minor injuries like bruises and sprains are generally lower than those for serious injuries such as broken bones, traumatic brain injuries, or spinal cord injuries.
  2. Insurance coverage – Florida operates under a no-fault insurance system. This means that after a car accident, your own insurance coverage pays for your medical expenses and certain other financial losses, regardless of who was at fault for the accident. This is intended to provide quick payment for injured parties without the need for lengthy litigation.

If the at-fault party doesn’t have any insurance (which 20% of drivers don’t), you may not be able to pursue any compensation for your accident. Learn more here.

  1. Personal Injury Protection (PIP) – Under Florida law, all drivers are required to carry Personal Injury Protection (PIP) insurance. PIP coverage is designed to cover:
  • Medical Expenses: Up to 80% of necessary and reasonable medical expenses up to your policy limits.
  • Lost Wages: Up to 60% of lost wages due to injuries sustained in the accident.
  • Death Benefits: A $5,000 death benefit in the event of a fatal accident.

The minimum PIP coverage required in Florida is $10,000. However, this amount can quickly be exhausted in the case of serious injuries, leading to the need for additional sources of compensation.

  1. Property Damage Liability (PDL) – In addition to PIP, Florida drivers must also carry Property Damage Liability (PDL) insurance. This coverage pays for damage caused to other people’s property, such as their vehicle, in an accident where you are at fault. The minimum required PDL coverage is $10,000.
  2. Liability – Florida follows a comparative fault rule, which means that if you are partially at fault for the accident, your compensation will be reduced by your percentage of fault. For example, if you are found to be 20% at fault for the accident, your compensation from the at-fault driver or their insurance will be reduced by 20%. In addition, if fault is shared by multiple drivers, you may have to take some responsibility for the accident and accept a lower settlement amount.

How long do you have to file a personal injury claim in Vero Beach?

In Vero Beach, as in the rest of Florida, the statute of limitations for filing a personal injury claim is found at Fla. Stat. § 95.11(4) (2024). The law states you have two years from the date of the accident to file the majority of personal injury lawsuits in court. The types of personal injury cases covered by Florida’s two-year statute of limitations rule are:

  • Auto accidents (cars and trucks)
  • Motorcycle and ATV accidents
  • Bicycle accidents
  • Pedestrian accidents
  • Slip and falls
  • Premise liability cases
  • Dog bites

Additionally, some personal injury cases adhere to a two-year statute of limitations but involve more complexity, such as:

  • Medical malpractice: If your injury results from medical malpractice, you generally have two years from the date you discovered or should have discovered the injury to file a claim.
  • Wrongful death: For wrongful death cases, you have two years from the date of death to file a claim. This date can be different from the accident date.
  • Claims against government entities: If you are filing a personal injury claim against a government entity, there are special guidelines, including a shorter time frame to file and specific requirements to fulfill.

Why you shouldn’t wait to file a personal injury claim

Waiting to file a personal injury claim in Vero Beach can have serious consequences for your ability to obtain fair compensation. Acting promptly ensures that you meet legal deadlines, preserve critical evidence, and receive timely medical care. It also puts pressure on insurance companies to treat your claim with the seriousness it deserves.

If you or a loved one has been injured in an accident, don’t delay—contact an experienced personal injury attorney today to protect your rights and secure the compensation you need. Contact us online or call 866-930-6435 to schedule your free case review today.

Negligence and liability laws in Florida that may affect your Vero Beach accident claim

Negligence is a legal concept. It refers to a situation where someone was given a duty of care, they failed to uphold it, and their lapse directly led to an injury or financial loss. Someone’s “duty of care” can mean a duty to obey the law, follow professional standards, or act as a “reasonable person” exercising “ordinary care” would. When a person violates this duty and hurts someone else as a result, a personal injury attorney in Vero Beach can file a personal injury claim to legally hold that person responsible for the damages they caused.

To file an insurance claim for an accident in Vero Beach, you must prove negligence and liability. This process involves several stages.

First, you must prove that your injury meets the minimum standard of severity. Such injuries include:

  • Bone fractures
  • Significant disfigurement
  • Permanent limited use of an appendage or bodily organ
  • Significant temporary limitation of a major body system or function
  • Substantially full disability for at least 90 days

Next, to pursue a liability claim, you must convincingly demonstrate that the actions or negligence of the other driver or party directly caused your accident. Typically, this involves proving that the individual or entity acted recklessly or failed to exercise the level of caution expected of a “reasonable person” under similar circumstances to prevent the accident.

For example, in a car accident insurance claim, negligence can be shown as speeding, distracted driving, driving under the influence, or driving recklessly. For a slip and fall insurance claim, negligence can be shown as a business owner failing to take the necessary steps to keep visitors to their property safe. An example of this would be failing to properly light a dark corridor or failing to fix a broken step on a staircase.

Understanding Florida’s comparative negligence system

Florida follows a comparative negligence system when it comes to personal injury cases. Under this system, the amount of compensation a plaintiff receives is reduced in proportion to their degree of fault for the accident. In other words, even if the plaintiff is partially responsible for the accident, they can still recover damages, but the amount awarded will be reduced by their percentage of fault.

Florida applies a pure comparative negligence rule, which means that a plaintiff can recover damages even if they are found to be 99% at fault for the accident. However, their total compensation will be reduced by their percentage of fault. For example, if a plaintiff is awarded $100,000 in damages but is found to be 30% at fault, their compensation will be reduced to $70,000.

This system allows for a fair distribution of liability, ensuring that each party bears responsibility for their share of the accident’s consequences. It also provides a means for injured parties to recover compensation even if they are partially to blame for the incident.

However, because Florida uses a comparative negligence system to determine fault in accidents, it is very important that you contact an experienced Vero Beach personal injury attorney to represent you. To ensure you get the full compensation you deserve, you need a team of attorneys with the skills and resources to properly investigate your case and take your case to trial if necessary.

Injured in an accident in Vero Beach?

Call our Vero Beach Personal Injury Lawyers immediately at 866-930-6435

Accidents happen in a terrifying instant that can leave you feeling hurt, scared, and confused about what to do next. If you were injured in an accident in Vero Beach, one of the most important things you can do is contact the experienced Vero Beach personal injury attorneys at Hoskins, Turco, Lloyd & Lloyd immediately. The sooner you call, the sooner we can help you.

We will do everything in our power to make this difficult time as stress-free as possible, starting with a free, no-obligation consultation. With over four decades of experience, our personal injury lawyers know how to settle even the most complex cases. To date, we’ve secured over $500 million for Treasure Coast accident victims and we will stand up and fight for you.

We’re experienced, local, and on your side.

Schedule your FREE case review by calling 866-930-6435

Frequently Asked Questions by our clients

What Is “Negligence”?


Negligence is a legal concept. It refers to a situation where someone was given a duty of care, they failed to uphold it, and their lapse directly led to an injury or financial loss. Someone’s “duty of care” can mean a duty to obey the law, follow professional standards, or act as a “reasonable person” exercising “ordinary care” would. When a person violates this duty and hurts someone else as a result, a personal injury attorney in Vero Beach can file a personal injury claim to legally hold that person responsible for the damages they caused. For example, someone who is texting while driving could be found negligent because it is widely known that this action is dangerous and likely to cause an accident.

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When Would I Need a Personal Injury Lawyer?


If you have been in an accident or injured in some way because of someone else’s negligence, you may have a lot of questions right now. You may be wondering what to do about your medical expenses and loss of income. You may be worried about paying for vehicle repairs or even full replacement. And you may be questioning if you need to hire a personal injury lawyer in Vero Beach to represent you.

You are not legally required to have a personal injury lawyer represent you. You can submit your personal injury claim to your insurance company and even represent yourself in court. However, you have a much higher chance of winning your case and getting the financial compensation you need and deserve if you hire an experienced Vero Beach personal injury lawyer. When personal injury cases involve extensive damages, such as expensive hospital bills or permanent disability, there is a greater chance that an insurer will attempt to deny some or all of a claim to prevent paying such a high sum.

In addition, some injury cases involve complex questions about who was responsible and how much financial damage occurred. Depending on the circumstances surrounding your injury, you may need to bring in expert witnesses, sort through documents provided by the defendant, and provide testimonies from a medical professional to prove your case. Working with an experienced personal injury lawyer in Vero Beach will help you not only win your case but get the highest settlement value. Personal injury attorneys will handle the legal complexities for you, including gathering necessary evidence, completing all of the paperwork, communicating with the insurance company, and facilitating car repairs and medical care on your behalf.

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What Do I Do About Lost Wages After My Accident?


If you had to miss work, change jobs, or reduce your hours after an injury, a lost wages claim can pay the difference in your income since the accident occurred. This claim is filed as part of a larger personal injury claim, which will also seek damages for your medical treatment and out-of-pocket costs.

A Vero Beach personal injury attorney can help you review your income statements, document the difference in earnings since the accident, and seek a lost wages claim. However, not all insurance policies pay full reimbursement of lost wages. Your Personal Injury Protection (PIP) policy, for instance, only covers 60% of lost wages up to a limit of $10,000. You may need to seek a claim with a liability insurance provider or another source of compensation in order to obtain close to 100% of your true lost wages.

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Are Car Accidents the Only Type of Personal Injury Case?


Absolutely not! Personal injury law encompasses any situation where someone’s negligence or wrongful conduct caused an injury. Other common types of personal injury cases in Vero Beach include trucking accidents, motorcycle accidents, biking, and pedestrian accidents, scooter accidents, slip and fall accidents, medical malpractice, defective products, brain injuries, wrongful death, and any other incident resulting in a serious medical condition.

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What Are My Options Following an Accident?


If you have been hurt in a car accident in Florida, you have the option to file under your Personal Injury Protection (PIP) insurance regardless of who was at fault. This claim will pay 80% of your medical treatment bills and 60% of your lost wages up to a limit of $10,000. If you have losses beyond the $10,000 limit and a qualifying serious injury, then you can pursue a claim against the liability insurance policy of the driver who hit you. Most Florida drivers aren’t required to carry liability insurance, but some do, and all commercial drivers are required to carry this coverage.

You may also have a potential cause of action to seek compensation from a defective product manufacturer, such as the company that built your vehicle. You can review your options on a case-by-case basis with the assistance of a Vero Beach personal injury lawyer.

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What If My Accident Happened at Work?


All accidents that happen within the “scope of employment” fall under workers’ compensation. You can’t sue your employer, but you are likely eligible for a workers’ comp claim. This insurance claim pays for the costs of your medical treatment and a portion of your lost wages. It may also provide long-term benefits for temporary or permanent disabilities.

In addition, you may have the opportunity to hold a non-employer party liable for your injury costs. This may refer to the manufacturer of a piece of equipment that hurt you or a third-party involved with your job. Refer to a personal injury lawyer in Vero Beach to consider your options for obtaining compensation after a work-related incident.

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How Long Does It Take to Settle a Personal Injury Case?


The timeline for your case depends on a number of factors. The biggest factor is always how large of a settlement is at stake. If you are requesting compensation for significant losses after a devastating injury, the insurance company is more likely to delay your claim or fight it.

Other factors that can affect your case’s timeline include the availability of evidence, whether there was clear negligence or liability, whether the defendant thinks they can use the law to dismiss your case, how clearly your injuries are related to the accident, and so on.

Unfortunately, there is no way to predict how long it will take to get a settlement — or whether you need to pursue a jury trial in lieu of a settlement — until the last piece of paperwork is signed.

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How Do I Know If I Have a Personal Injury Case?


Anyone has a personal injury case if there are damages (costs), injuries, and someone who can be identified as being at fault. Many hurt individuals think they “don’t have a case” simply because they don’t have the legal knowledge and experience that a professional accident attorney does. By working with a Vero Beach personal injury lawyer, you can investigate your accident, gather evidence, prove all your losses, and seek a claim against all potentially liable parties. You can even pursue damages if you were partially at fault for your own injuries, thanks to Florida’s generous comparative negligence statute. Many people are often surprised that they have a viable case when they initially thought they didn’t have anything to pursue.

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Do I Have a Case If I Do Not Feel Hurt?


You have a case as long as you have an injury that costs money to treat. Always receive a comprehensive medical exam after a car accident or similar incident just to rule out whether or not you have an injury. Some injuries, like a traumatic brain injury (TBI/concussion) and whiplash may not show up for days after an accident. Some people feel fine immediately after an accident only to develop a limp or partial disability in the future. You may not “feel” hurt, but until a medical examiner rules out any injury, you could still have one.

Furthermore, you can file a complaint (lawsuit) based on property damages alone. These cases usually do not have as large of damages compared to injury, but they can benefit individuals who aren’t being offered a fair settlement for vehicle repairs or personal property replacement after an accident.

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Review Your Legal Options with a Vero Beach Personal Injury Attorney Today


If you’ve been injured in The Hibiscus City because of someone else’s actions or negligence, you may be entitled to compensation. Steve Hoskins and his Vero Beach personal injury attorneys have over 30 years of experience helping people just like you get the full compensation they deserve after an injury.

Our team will create a strategy that fits your unique situation and help you through every step of the process. Call us at 866-930-6435 or contact us online for your free, no-obligation consultation.

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