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David Graham Insurance Lawyers, P.A.

Personal injury lawyers

Injured because someone else was careless?

An injury can leave you facing medical care, insurance calls, missed work, and questions about what comes next. We help people across Florida and Tennessee understand their options and the steps that may protect a claim.

Injured peopleClient-focused counsel
Accidents & negligenceFault and insurance
Florida & TennesseeStatewide help
Free case reviewsNo upfront cost

Could I have a claim?

Five questions help clarify whether there may be a personal injury claim.

You do not need every answer before reaching out. A useful review starts with what happened, who may be responsible, and how the injury is affecting your health, work, and daily life.

Ask Us to Review It
1

Was someone responsible for acting carefully?

Drivers, businesses, property owners, medical providers, and companies can all have responsibilities depending on the facts.

2

Did they fail to act reasonably?

This could involve unsafe driving, poor maintenance, ignored hazards, medical errors, or other preventable conduct.

3

Did that failure cause an injury?

The claim has to connect the incident to the injury through records, timing, symptoms, treatment, and evidence.

4

Are there damages to document?

Medical bills, future care, missed work, pain, limitations, and daily disruption can all matter.

5

Is insurance or another recovery source available?

Vehicle, business, property, or other insurance coverage often affects which options may be available and what can realistically happen next.

Find local injury help

Three offices. Help across Florida and Tennessee.

Choose the office closest to where the injury happened. If your city is not listed, start a free review and we can help identify the right next step.

Outside an office city?

You can still ask us to review what happened.

Our offices are in Jacksonville, High Springs, and Cleveland. We also review inquiries from people in surrounding communities and elsewhere in Florida and Tennessee.

Florida

Injured anywhere in Florida.

  • Jacksonville, Gainesville & Northeast FL
  • Orlando, Tampa & Central Florida
  • Miami, the Gulf Coast & the Panhandle
  • Every county, statewide
Florida injury help →

Tennessee

Injured anywhere in Tennessee.

  • Cleveland, Chattanooga & Southeast TN
  • Knoxville & East Tennessee
  • Nashville, Memphis & Middle/West TN
  • Every county, statewide
Tennessee injury help →

Not sure where to start?

Tell us what happened.

Wherever the injury happened in Florida or Tennessee, a free review is the fastest way to the right next step.

Get Help

Don't see your city? Start a free review and we can help identify the closest office and the most relevant next step.

Attorney consultation
Personal injury basics

What personal injury law covers

A claim is not just about being hurt. It's about proving why it happened.

Personal injury law helps people seek compensation when they are harmed because another person, business, driver, property owner, medical provider, or other party failed to use reasonable care.

Responsibility

Who had a duty to act carefully, maintain a safe place, follow traffic laws, or provide proper care?

Causation

How did the crash, fall, medical event, or unsafe condition cause the injury?

Damages

What medical care, lost wages, pain, limitations, and long-term effects need to be documented?

Personal injury claim types

The kind of accident shapes the claim.

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Auto accident claims

Car accidents often become insurance problems quickly.

A crash can involve fault disputes, medical-treatment documentation, vehicle damage, PIP issues, uninsured drivers, and calls from insurance adjusters before the full injury picture is clear.

Common issues

Rear-end crashes, intersection crashes, distracted driving, rideshare crashes, and disputed fault.

What matters

Medical timing, crash reports, photos, insurance limits, and how the injury affects work and daily life.

What matters most

  • Crash report
  • Medical timeline
  • Insurance coverage
  • Fault disputes
  • Photos & witnesses
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Truck accident claims

Commercial vehicle cases can involve more than one responsible party.

Truck crashes may involve the driver, employer, vehicle owner, maintenance provider, cargo issues, dispatch decisions, company policies, and larger insurance policies.

Common issues

Driver fatigue, speeding, improper turns, maintenance failures, and company safety practices.

What matters

Preserving records early, documenting injuries, and identifying every available coverage source.

What matters most

  • Company records
  • Driver logs
  • Maintenance history
  • Cargo / dispatch
  • Commercial coverage
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Motorcycle accident claims

Motorcycle cases often involve serious injuries and unfair assumptions.

Insurance companies may try to blame the rider or minimize visibility issues. Evidence from the scene, witnesses, traffic patterns, and vehicle damage can be important.

Common injuries

Road rash, fractures, head injuries, spinal injuries, shoulder injuries, and long-term limitations.

What matters

Visibility, lane position, crash reconstruction, helmet issues where relevant, and medical follow-up.

What matters most

  • Visibility disputes
  • Rider bias
  • Scene evidence
  • Injury documentation
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Pedestrian & bicycle injury claims

People outside vehicles have less protection and higher stakes.

These claims often involve intersections, crosswalks, lighting, visibility, driver attention, traffic controls, and severe injuries.

Common issues

Drivers failing to yield, unsafe turns, distracted driving, and disputed right-of-way.

What matters

Scene photos, witness names, video footage, police reports, and early treatment documentation.

What matters most

  • Traffic controls
  • Crosswalk details
  • Lighting & visibility
  • Video or witnesses
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Slip, trip & fall claims

Property injury cases often depend on what the owner knew or should have known.

Falls can involve wet floors, broken stairs, uneven pavement, poor lighting, missing warnings, or unsafe property conditions.

Common issues

Incident reports, surveillance video, cleaning logs, maintenance records, and witness statements.

What matters

Photos before the hazard changes, medical records, footwear issues, and prior complaints where available.

What matters most

  • Incident report
  • Surveillance video
  • Maintenance records
  • Prior complaints
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Serious injury & wrongful death claims

High-stakes cases need careful, early review.

Serious-injury and wrongful-death claims may involve long-term care, family impact, lost earning capacity, and complex insurance and liability questions.

Common issues

Catastrophic injury, permanent limitation, family loss, and multiple potential sources of recovery.

What matters

Early documentation, medical and expert review, and preserving evidence before it is lost.

What matters most

  • Long-term care
  • Earning capacity
  • Family impact
  • Coverage layers
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Common injuries

The injury itself can shape the case.

Severity, treatment, and long-term impact often drive what a claim needs to document.

X-ray showing the head, neck, and cervical spine
01

Neck, back & spine

Disc injuries, radiating pain, therapy, injections, and future-care needs can all affect treatment and daily life.

Doctor explaining a brain model during neurological care
02

Head injuries

Concussions and brain injuries often require careful symptom history, follow-up care, and documentation of daily changes.

Leg cast and crutches after a fracture
03

Broken bones

Fractures, surgery, hardware, missed work, and mobility problems can affect both recovery and future needs.

Orthopedic doctor examining a patient's knee
04

Shoulder, knee & joint

Tears, instability, limited range of motion, and ongoing orthopedic care can require careful documentation.

Doctor examining a patient's ankle after a soft-tissue injury
05

Soft tissue injuries

Sprains, strains, bruising, limited movement, and symptoms that may worsen in the days after an injury.

Emergency responder bandaging an injured person's arm after a fire
06

Burns, scars & trauma

Visible injuries, disfigurement, emotional harm, and life disruption should be documented early.

What compensation may include

A claim should account for more than the first medical bill.

The full picture may include future treatment, lost income, pain, limitations, and how the injury changes daily life.

Medical bills

Emergency care, follow-up visits, therapy, imaging, injections, surgery, and prescriptions.

Future medical care

Treatment needs that may continue after the case begins or even after settlement.

Lost income

Missed work, reduced hours, or time away from business responsibilities.

Reduced earning ability

When an injury changes the type or amount of work a person can do.

Pain & suffering

Physical pain, limitations, loss of enjoyment, and disruption to daily life.

Out-of-pocket losses

Transportation, home help, medical equipment, and other costs caused by the injury.

Protect your health and your claim

A few early steps can make the claim harder to minimize.

The insurance company may call before you know how injured you are. That early call can feel routine, but it may affect fault, injury severity, medical gaps, and damages — and a quick release can end a claim before the full picture is clear.

Start a Free Review

Your words can be used later.

Even an honest answer can be taken out of context if symptoms change or treatment is still ongoing.

Medical gaps matter.

Insurers often focus on delayed care, missed appointments, or inconsistent documentation.

01

Get medical care

Follow instructions and document symptoms, referrals, imaging, and treatment.

02

Save evidence

Keep photos, videos, insurance cards, witness names, and incident reports.

03

Be careful with statements

Recorded statements can affect fault, injuries, and damages later. Ask before signing anything.

04

Track the impact

Missed work, expenses, pain, limitations, and daily disruptions all matter.

Timing matters by state

Don't guess which deadline applies.

Ask About My Deadline

Florida

Many negligence injury claims are generally two years.

  • Auto / PIP medical-treatment timing can matter.
  • Medical malpractice has special rules.
  • Fault percentage can affect recovery.

Tennessee

Many personal injury claims are generally one year.

  • Tennessee timing can be shorter than Florida.
  • Different rules may apply by claim type.
  • Ask early before assuming you still have time.

Important note

Deadlines can change.

The right deadline can depend on the facts, parties, claim type, notice rules, exceptions, tolling, and when the claim accrued. This page is general information, not legal advice about your deadline.

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How the process works

A clear path after an unclear injury.

The goal is to move from an overwhelming moment to a clear claim record, a clear picture of the injury, and a clear next step.

Start a Free Review
01

Free review

Tell us what happened, where it happened, and what injuries you are dealing with.

02

Investigation and evidence

Reports, photos, witness information, records, insurance coverage, and fault issues are reviewed.

03

Medical documentation

Treatment history, future care, work impact, and daily limitations help tell the full story.

04

Resolution or litigation if needed

Some claims resolve through insurance negotiations. Others need stronger legal action.

About the attorneys

The people reviewing the claim matter.

Before you share the details of an insurance dispute or injury, it helps to know who is reviewing the problem. Our attorneys focus on what happened, what the insurance company has said, and what evidence may matter next.

Client reviews

★★★★★

“With this firm you are not just a number. You will be treated with compassion, respect and dignity. They are not afraid to fight aggressively for their clients. I highly recommend them.”

Lyne K. · Google Review

★★★★★

“David personally met me and agreed to take my case. He and Thomas did an amazing job fighting a huge insurance company. If you’re looking for a lawyer who cares about his clients and less about making a buck, this man is your choice.

Shawn L. · Google Review

★★★★★

“David was compassionate, caring, and he will fight hard for you. They stayed on top of my case and took care of me. Laura is amazing as well. A true gem! If you want someone who cares to represent you, call David.

Hannah L. · Google Review

David M. Graham, Esq.

David M. Graham, Esq.

Founder / Lead Attorney

Focused on helping policyholders understand coverage, valuation, and the evidence a claim depends on before the next move is made.

Thomas Eross, Jr., Esq.

Thomas Eross, Jr., Esq.

Attorney at Law

Brings steady communication and practical review to policy language, claim documentation, and insurance disputes.

Free personal injury review

Hurt and not sure where to start?

Tell us what happened, where it happened, and what injuries you are dealing with. We can help identify the most relevant office and next step.

1. Tell us the type of incident.
2. Share the city and date.
3. Describe the injury and insurance contact.

Start here

Free Case Review

ContactStep 1 of 4

How can our team reach you?

What happened?

Where and when did it happen?

What injuries or problems are you dealing with?

All questions are required so the team has enough to begin reviewing your claim.

Free case review. No upfront cost to find out whether we can help. If the firm can assist, next steps and any fee arrangement are explained before you decide whether to move forward.

Personal injury FAQ

Questions people ask before calling.

A claim usually depends on whether someone else may have been responsible, whether you were injured, whether the injury can be documented, and whether insurance or another recovery option may be available.

Fault can affect whether compensation may be available and how much. The impact depends on the state, facts, and claim type. This is one reason early evidence and careful documentation matter.

Some injuries feel worse hours or days later. Medical documentation, symptom history, and follow-up care can become important if the insurance company questions the connection.

Be careful, especially with recorded statements or settlement releases. The other party's insurer is not neutral and may ask questions that affect fault, injuries, or damages.

The initial review is free. Any fee arrangement is explained clearly before you decide whether to move forward.

Helpful items include photos, videos, reports, insurance letters, medical records, bills, witness names, employer notes, and anything showing how the injury affected your life.

Deadlines differ by state and claim type — and can depend on notice rules, exceptions, and when the claim accrued. This page is general information, not legal advice about your deadline; ask early rather than assume you still have time.

Yes. The firm has offices in Jacksonville and High Springs, Florida, and Cleveland, Tennessee, and serves surrounding areas remotely where there is no local office.

Hurt in an accident?

Start with a free case review.

Whether you know the claim type or not, tell us what happened and where it happened. We'll help you find the right next step.