FAQs

FAQs

At Naveo Law, P.A., we are dedicated to educating and informing our clients about their legal rights in regards to their injury claim. We are always willing to answer clients’ questions and address concerns about the various aspects of their individual case. It’s important to us that our clients understand the legal options available to them and are able make informed decisions regarding their case. With that in mind, we’ve included a list of our most frequently asked questions (FAQs) below. If you have additional questions or aren’t sure if you have a case, contact our attorneys today at 1-844-600-1312/305-600-1312. We are here to help you.

What does your firm do?

Our firm specializes in PIP claims, personal injury/bodily injury and property damage cases. Each case is unique and we carefully analyze your case in detail, to be better able to represent your rights.

Communicate with all the parties and insurance companies to find out what the insurance policy limits are and whether any additional policies are available.

– Request copies of medical records to review and send to the insurance company or defendant.

– Send a demand letter to the insurance company or defendant.

– Negotiate with the insurance company or defendant until they make an offer that you approve.

– Attempt to negotiate any medical bills that had not been paid already.

– In cases where you do not approve a settlement, we may file suit against the defendant

Why do I have to make a claim against my insurance company if it wasn’t my fault?

Florida is a no-fault state therefore, regardless of fault, the first 10K of medical bills is covered by your PIP insurance, if your injuries are related to an automobile accident.

Can I use my personal health insurance?

It all depends on what type of claim you have. While most people think they should use their personal insurance, if you are injured as result of a motor vehicle accident, PIP or no-fault insurance is primary. However, you are injured as result of slip of fall, its ok to submit your medical bills to your health insurance, but they have a right to be reimbursed from the proceeds of your claim.

How will my case affect my health insurance?

If your health insurance company has paid any medical expenses that are related to your claim, they will usually have a right to be reimbursed from your settlement based upon your contract with them. Although there are no guarantees, our firm has been successful in negotiating reductions of health care liens for our clients. Your health insurance should not be affected otherwise.

Will my rates go up once I make a claim?

PIP insurance in Florida pays up to a total of $10,000 for the following expenses:

– 80% of each medically necessary medical bill (see B-1 for more information).

– 60% of lost wages (see D-1 for more information).

– 100% of replacement services such as childcare, housekeeping, and yard work.

– Up to $5,000 of death benefits.

– 80% of prescription expenses.

– Mileage Reimbursement

Please remember that, unless you bought extra PIP insurance, it will never pay more than a total of $10,000 in Florida. You may also have a deductible to pay before PIP benefits begin

Who pays for my lost wages from time missed at work to attend doctor appointments?

PIP insurance will pay 60% of your lost wages, up to the $10,000 limit (in Florida) reduced by payments for other expenses such as medical bills (see section C for more information). Make sure to get a letter from your doctor specifying how long you must wait before returning to work, and a signed letter from your employer stating that you have not been working due to your injuries. For the remaining unpaid portion, and for cases where there is no PIP insurance, the amount of your lost wages will be a factor when negotiating with the at fault party.

How will you handle my case?

Communicate with all the parties and insurance companies to find out what the insurance policy limits are and whether any additional policies are available.

– Request copies of medical records to review and send to the insurance company or defendant.

– Send a demand letter to the insurance company or defendant.

– Negotiate with the insurance company or defendant until they make an offer that you approve.

– Attempt to negotiate any medical bills that had not been paid already.

– In cases where you do not approve a settlement, we may file suit against the defendant.

How much money will I get?

No one can promise you a certain amount of money, but we can promise you that at Naveo Law, P.A it is our priority to get our client the most value for their claim.

Many factors affect how much you will receive, such as:

– How badly you are injured.

– How long you receive medical treatment.

– The amount of your bills.

– Whether your earning capacity is reduced.

– How much insurance the party who is at fault has.

– Whether there is any extra insurance (such as an umbrella policy or uninsured motorist coverage).

– Whether the employer of the party who is at fault is also liable.

– Whether the party who is at fault has any large assets.

– Whether the party who is at fault has any defenses.

How long will my case take?

Every case is different, and some cases take longer than others. The timeline also depends on the duration of​ your medical treatment. Since a case cannot be closed while medical expenses are still accruing this will directly impact how long your case is open. Other things can also delay a case, including insurance companies not cooperating, large hospital bills or medical liens that need to be negotiated, and/or clients moving without providing us their new addresses and phone numbers. Our firm will do everything we can to make sure your case is handled as quickly and carefully as possible.

Will my case go to court?

Most of the cases our firm handles settle without needing to file a lawsuit. If there is a reason your case needs to go to court, we will explain all the options to you, and you will decide which option is best for you and your family.

How will my case affect my government benefits? (Medicare, Medicaid, SSI, SSID, Food Stamps)?

Our clients are often concerned about how their case will affect their government benefits. For certain benefits such as Medicaid, SSI, Food Stamps, and Public Housing, there are steps that must be taken to make sure your settlement does not disqualify you for aid. There are a variety of ways to protect your benefits, and we will be happy to help you choose the one that is right for you when your case settles. Your settlement will not interfere with Medicare or SSDI benefits.

How does the attorney get paid?

It all depends on the type of case. With a personal injury/bodily injury claim, we get paid if you recover any money from a settlement. With a PIP claim, the insurance companies pay the providers directly and we get our fees directly from the insurance company.

Who pays for the costs in my case? Are they included in the percentage fee?

There are certain costs that our firm pays on your behalf during the course of your case. These might include charges for:

– Copies of records & reports.

– Mail expenses.

– Investigation expenses.

– Expert witness fees.

– Various other costs.

Similar to most personal injury firms, Naveo Law, P.A requires that these costs be paid back out of your settlement, separate from our percentage fee. If you do not receive any settlement or judgment, our firm will not require that you pay us back for the costs we paid on your behalf.

If I lose my case, will I owe the attorney money?

We only get paid, if you recover any money from a settlement.

What happens if I lose my case? Will I owe money to my doctors?

If your case is not successful, your health insurance, Medicare, Medicaid, or PIP, may still pay some or all of your bills. Although we can make no guarantee, we will try to resolve our client’s unpaid medical bills.