Clermont Car Accident Lawyer

What We Hear Most from Clermont Drivers After a Crash

Most people aren't doing anything out of the ordinary when a collision happens.

They're wrapping up errands at Target.

Cutting back toward Minneola from the gym.

Just left a red light on Citrus Tower.

Then, a truck comes through too fast. Someone's distracted behind the wheel. A lane merge turns into a complete stop, and you never see it coming.

It doesn't take a high-speed crash for everything to change. Sore muscles. Missed shifts. Calls from insurance adjusters asking questions you're not sure how to answer.

That's why it matters to work with a Clermont car accident lawyer who knows this city well and understands how insurance companies in Florida attempt to reduce their payouts. At Osborne & Francis, we talk to injured drivers in Clermont every day. Not just about what happened on the road but what it's done to the rest of their life, health, job, and ability to care for their families.

Where Crashes Happen Most in Clermont

Traffic in Clermont has outpaced the roads. Intersections that used to handle steady local traffic now see congestion all day, often with drivers in a rush, confused by fast turnarounds, or simply not paying attention. As the community grows, so does the risk on some of its busiest streets.

​​The most accident-prone areas in Clermont are:

• SR-50 at Hancock Road: A fast-flowing corridor with frequent stop-and-go traffic, making it a common site for rear-end collisions.
• Citrus Tower Boulevard and US-27: With businesses lining both sides, it's a mix of local traffic and out-of-town drivers unfamiliar with lane patterns.
• Hartwood Marsh and Hancock Road: Curves, quick turns, and no dedicated left turn lane make it a perfect storm during rush hour.
• CR-561 near Lake Louisa: Limited lines of sight during early morning and evening commutes.
• Neighborhood roads near local schools and shopping centers: Especially active during school dismissal, sports practice, and weekend errands.

Some of these spots are frustrating on a good day. But when a careless driver makes the wrong decision at the wrong time, these are the places where serious injuries often occur.

We've handled cases from each of these intersections. We know how they're laid out, when they get dangerous, and what insurers typically argue when a claim comes out of them.That gives us a running start on building your case and puts you in a stronger position from day one.

Don't Give the Insurance Company a Statement Yet

If the other driver's insurance adjuster is calling, asking for a quick comment or version of events, hit pause.

Those statements are usually recorded, and anything you say can be used to downplay your injuries or shift blame.

It's not about being difficult. It's about being smart.

You may not feel the full extent of your injuries yet.

You might guess at what happened and lock yourself into a version that hurts your case.

You could answer in a way that sounds "fine," even if you're not.

We've seen this with clients injured in crashes on Hancock Road, Citrus Tower, and US-27. Great people with honest answers, but the insurance company still twisted their words.

You're not required to talk to them. It's often better if you don't—not until you've spoken with a Clermont car accident attorney who's looking out for you.

Worried you've already said the wrong thing to insurance? You're not the only one. Many people answer honestly, only to see their words used against them.

Before your car accident claim moves forward, we can help you course correct and protect your position. Call us at (561) 293-2600 or request a free case review online with an experienced car accident lawyer in Clermont.

Why Your Clermont Crash Might Be More Complicated Than You Think

Clermont is growing fast. With more homes, schools, and businesses come heavier traffic patterns and a wider mix of people sharing the road. This includes commuters, delivery fleets, and visitors unfamiliar with local roadways and intersections.

We work with Clermont drivers, passengers, and families hurt in:

• Rear-end collisions,
• T-bone and side-impact crashes,
• Drunk or drug-impaired driving,
• Crashes involving ride-shares or delivery drivers,
• Pedestrian and bicycle impacts, and
• Hit-and-run collisions.

Many of these involve more than just two drivers exchanging insurance cards. We've seen cases involving:

• Business-owned trucks or vans,
• Vehicles operated by employees but registered to someone else, or
• Multiple insurance policies spread between personal and commercial coverage.

When that happens, determining who is responsible takes more than just a police report. It may involve a company's insurance policy, a leasing agreement, or a maintenance history that wasn't followed properly.

These added complications can affect how quickly your claim progresses, how fault is determined, and what type of compensation is available. Working with a Clermont auto accident lawyer early can help preserve important evidence while it's still accessible.

Injuries We See Most Often After a Crash

Some injuries are immediately noticeable, while others take days or even weeks to appear fully. When symptoms are delayed, it can be harder to prove they were caused by the accident, especially if you didn't see a doctor right away.

We often see the following injuries in car accident cases across Clermont:

• Soft tissue injuries in the neck and back, often from sudden or uneven movement;
• Disc problems that make everyday activities like walking or sleeping more difficult;
• Joint damage in areas like the knees or shoulders, which may worsen over time;
• Concussion symptoms, including headaches, memory issues, light sensitivity; and
• Emotional stress related to driving, often after high-impact or unexpected collisions.

Injuries that aren't evaluated early are more likely to be questioned by the insurance company. Seeing a qualified medical provider can help you obtain the necessary documentation, clearly linking your injuries to the crash and reducing the likelihood that your claim will be denied or minimized later on.

What Proves How the Crash Happened

Medical records can help show you were injured, but that's only part of it. The insurance company will also examine how the crash occurred, particularly if the drivers provide conflicting accounts.

In most disputed crashes, the question comes down to physical details—where the cars ended up, where the damage shows, skid marks, witness accounts, and other facts that show direction and impact.

You'll see this regularly in Clermont at intersections like US-27 and Hartwood Marsh. One driver turns left, the other comes straight through, and both claim they had the green light.

There is no traffic camera. There is no neutral witness. Just two damaged vehicles and two conflicting accounts.

In cases like that, adjusters lean on anything in the first reports:

• Road surface markings or debris location;
• Photos taken before the scene was cleared;
• Placement of damage across the front, bumper, or side;
• Statements made to EMS or law enforcement;
• Any nearby dashcam footage or camera stills; and
• Dispatch call logs or timestamps on driver texts.

When this kind of evidence is preserved, it's harder for an adjuster to deny how the crash happened. When it's missing, they're more likely to say each driver shares blame or claim there's not enough to decide either way.

"Most people aren't in a position to prove anything after a crash, and that's okay. Our job is to help make sure the insurance company doesn't take advantage of that."

— Joseph Osborne | Osborne & Francis

Watch: What If No One Saw the Crash?

Clermont car accident lawyer Andrew Norden explains how fault is handled when no witnesses are available and what details usually matter most. 

What Compensation Can Cover After a Clermont Crash

When fault is clear, the next question is what the other driver's insurance company should pay for.

That goes beyond the damage to your car. Most people we help in Clermont deal with a combination of physical recovery, missed work, and out-of-pocket expenses that quickly add up.

Depending on the situation, a car accident claim can include the following:

• Medical bills, from the ER visit to follow-ups, prescriptions, or ongoing therapy;
• Lost income, including time off work now, or reduced hours if injuries interfere with your job;
• Repair-related costs, like rental cars, full loss value, and "fixes" that don't return your vehicle to what it was;
• Other out-of-pocket expenses such as co-pays, mileage to medical visits, or adjustments made at home so you can function; and
• Pain and mental distress, not just physical symptoms, but the stress, anxiety, or daily limitations that come after a car accident.

Injury settlements should account for how your life changes in the days and weeks after the crash, sometimes in ways no one expects. It’s why we ask the right questions early, document everything we can, and help clients communicate those impacts clearly during the claim process.

Insurance companies look for gaps in proof. Part of a Clermont auto accident attorney's job is helping you close those gaps before they use them to lower the offer.

What Our Clients Recovered—and How We Helped Get Them There

When insurance companies recognize how a crash has affected your health, your income, and your ability to function day to day, they tend to approach a claim differently. That shift doesn't happen on its own. It comes from showing the full impact clearly, backing it with evidence, and pushing when the first offer falls short.

That is what the attorneys at Osborne & Francis have done for past clients, and it has made a measurable difference in how those claims were resolved:

• A driver struck from behind while waiting at a red light recovered $2.5 million after surgery and rehabilitation.
• A side-impact collision left a person unable to return to work right away. That case settled for $1 million.
• A low-speed crash led to chronic head pain and concentration issues. The final recovery reached $400,000.

Each situation brought different challenges. Some faced long delays getting care. Others had their injuries questioned from the outset. In one claim, the insurance company argued our client was partly at fault.

That strategy has become more common under Florida's comparative fault law. If an insurer can argue that you were primarily responsible, they may deny the claim entirely. Even smaller percentages of blame can reduce what you receive. 

That is why it helps to work with car accident attorneys in Clermont who know how to document the full impact and present a case clearly from the start. A Martindale-Nolo survey found that people who hired a personal injury lawyer received an average of three times more compensation than those who handled a claim without one.