How a personal injury case proceeds is based upon the initial decision of whether to file a lawsuit directly after the accident or try and settle your case without the expense or extra attorney fees. Every case is different. The seriousness of your injuries and who caused the accident are the main factors in determining if and when a lawsuit should be filed.
Being treated by a competent doctor who can determine if you are permanently injured is another factor in how your case proceeds. In Florida, you must have a treating physician who can testify at trial that you are indeed permanently injured from an accident caused by somebody else, which means finding a competent doctor is imperative.
When the Insurance Company receives medical records, reflecting a permanent injury, they will, at that time, make an offer to settle your case. If a lawsuit is filed, your case will eventually be sent to mediation in an attempt to settle it. If the case does not settle then you will proceed to a jury trial. Most cases settle at meditation or just before trial.