Florida’s 80% Total Loss Rule: When Is Your Car “Officially” Gone?
Is your car fixable or totaled? Learn how Florida Statute 319.30 uses a strict 80% mathematical formula to determine the fate of your wrecked vehicle.
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Mental Anguish & Consortium: How Florida Juries Value “Pain”
There are no receipts for physical pain and emotional trauma. Learn how Florida insurance adjusters use “Multipliers” to calculate your non-economic damages.
Projecting 20 Years of Care: The High Cost of Permanent Florida Injuries
For permanent injuries, past medical bills are just a fraction of the cost. Learn how a Life Care Plan projects decades of future medical expenses in a Florida lawsuit.
Florida PIP and Lost Wages: Calculating Your “60% Recovery”
Florida PIP insurance only covers 60% of your lost wages after a crash, and it shares a strict $10,000 limit with your medical bills. Learn how to recover your full paycheck.
Two Separate Checks: Why Your Car Repair and Injury Claims are Different
Did you know settling your car repair claim too quickly could destroy your personal injury lawsuit? Learn how to navigate property damage vs. bodily injury in Florida.
Lawsuit Funding in Florida: The Pros and Cons of Pre-Settlement Loans
Lawsuit loans can provide immediate cash while you wait for your settlement, but the interest rates can be devastating. Learn the pros and cons of Florida pre-settlement funding.
The “Super Lien”: Why the Government Gets Paid First in Florida Settlements
If Medicare or Medicaid paid your accident bills, they will demand their money back. Learn how federal “Super Liens” take priority over your Florida settlement check.
Totaled Car, Unpaid Loan: How Gap Insurance Saves Your Florida Settlement
If your car is totaled, the insurance payout might not cover your auto loan. Learn how Gap Insurance protects your personal injury settlement from being drained by vehicle debt.
Florida ER Bills: Why the Hospital Might Have a “Lien” on Your Check
Did you know hospitals can legally take money directly from your settlement check? Learn how Florida’s county-by-county hospital lien laws impact your payout.
Seeing a Doctor for “Free”: How a Florida Letter of Protection (LOP) Works
How do you pay for medical care after PIP runs out? Learn how a Letter of Protection (LOP) allows you to get treatment on credit while your Florida case is pending.