Personal Injury Protection
Let us handle the insurance, paperwork, and your rights—while you recover. We fight for your rights with insurance companies while you recover.
Attorneys standing by and ready to help
Every lawyer I went to told me I didn’t have a case at all and that there is nothing that they can do. KFB LAW works miracles and will never disappoint their clients. KFB LAW is the best. Call! Don’t hesitate at all. They are the best.
Kings Made
Car Accident
37
years of personal injury protection law experience
What Is Personal Injury Protection?
Your insurance company must also pay 80% of your reasonable and necessary medical bills incurred as a result of a motor vehicle accident. The law also provides that you may recover 60% of your lost wages. The medical benefits cover all reasonable expenses for necessary medical, surgical, x-ray, dental and rehabilitative services, including prosthetic devices. Your insurance company will also pay for necessary ambulance, hospital and nursing services. If a death results from the accident, the personal injury protection insurer may have to pay a death benefit under this policy.
Florida law allows individuals to carry a deductible on their personal injury protection coverage. If you elected such a deductible, you should know that the effect of that is that you are “self-insured” for the amount of your deductible. In other words, if you have personal injury protection insurance with a $2,000 deductible, you have agreed to pay the first $2,000 of your lost wages and medical bills if you are in an accident. This is true even if the accident is totally the fault of someone else.
Florida law allows individuals to carry a deductible on their personal injury protection coverage. If you elected such a deductible, you should know that the effect of that is that you are “self-insured” for the amount of your deductible. In other words, if you have personal injury protection insurance with a $2,000 deductible, you have agreed to pay the first $2,000 of your lost wages and medical bills if you are in an accident. This is true even if the accident is totally the fault of someone else.
Turning Your Coverage Into Real Support
When you have been involved in an automobile related accident and it is the result of someone else’s negligence, you may seek damages for bills and expenses that are not covered under Personal Injury Protection Insurance.
This may include the cost of your deductible, medical expenses and lost wages not covered by Personal Injury Protection Insurance, and pain and suffering. Maximizing your benefits is something that KFB Law can help you achieve. We will help to make sure medical bills and lost wages are paid in such a way to obtain payment of your PIP benefits in the most efficient manner, so as to make the best use of these benefits that are available to you.
For example, you would not want your lost wages being applied toward your deductible. Instead, you would be better off asking that your lost wages be placed in line for payment after the deductible has been met.
Maximizing your benefits can also incorporate health insurance benefits that may be available to you.
This may include the cost of your deductible, medical expenses and lost wages not covered by Personal Injury Protection Insurance, and pain and suffering. Maximizing your benefits is something that KFB Law can help you achieve. We will help to make sure medical bills and lost wages are paid in such a way to obtain payment of your PIP benefits in the most efficient manner, so as to make the best use of these benefits that are available to you.
For example, you would not want your lost wages being applied toward your deductible. Instead, you would be better off asking that your lost wages be placed in line for payment after the deductible has been met.
Maximizing your benefits can also incorporate health insurance benefits that may be available to you.
Maximize Your Payout, Minimize Your Bills
Overall, we will work to ensure that whatever benefits are available to cover medical expenses, lost wages, and any other expenses, are used in the best manner possible in order to keep out-of-pocket expenses to a minimum. This will position your case in the best way when it comes time to initiate settlement negotiations with the insurance company for the at-fault party. Our clients are always in a better position when medical expenses and lost wages have been addressed properly during the time leading up to negotiations.
This can sometimes take months, depending on the type of injury and the response you have to whatever forms of treatment you need. Regardless, we want to position your case in such a way as to be able to provide you with as much a recovery as we can, as opposed to large portions of a recovery going to pay bills that have been incurred. In other words, we believe it is our responsibility to try to put as much money obtained in your case in your pocket, for future needs, retraining, pain and suffering etc., as opposed to having to use much of the money to pay your outstanding bills.
This can sometimes take months, depending on the type of injury and the response you have to whatever forms of treatment you need. Regardless, we want to position your case in such a way as to be able to provide you with as much a recovery as we can, as opposed to large portions of a recovery going to pay bills that have been incurred. In other words, we believe it is our responsibility to try to put as much money obtained in your case in your pocket, for future needs, retraining, pain and suffering etc., as opposed to having to use much of the money to pay your outstanding bills.
Stabilize Your Finances While You Recover
Using your PIP insurance, and any other benefits that may be available to you, while you are treating and waiting to reach what is called “Maximum Medical Improvement” is vital to keeping a “check” on your expenses and situating your case in the best way to achieve a satisfactory and fair settlement a the end.
We do understand that victims of negligence that have suffered personal injury are often not simply concerned with money. Rather, they are concerned about their physical and mental well-being, being able to continue the work and personal activities they could before getting injured, the effects an injury has on their family, and many other very personal and emotional challenges.
However, financial concerns will always be a part of recovering from a traumatic injury and we can help so, hopefully, you have a little less to worry about.
We do understand that victims of negligence that have suffered personal injury are often not simply concerned with money. Rather, they are concerned about their physical and mental well-being, being able to continue the work and personal activities they could before getting injured, the effects an injury has on their family, and many other very personal and emotional challenges.
However, financial concerns will always be a part of recovering from a traumatic injury and we can help so, hopefully, you have a little less to worry about.
6 Offices Across Tampa and Surrounding Areas
We make it convenient for you to meet with us. Select the location closest to you.
Tampa
St. Petersburg
Plant City
Wesley Chapel
New Port Richey
Riverview
Not sure which office is closest? Call us at 813-875-5445
Related Blog & News Posts
Getting into a car accident is stressful, even when it seems minor. Whether it’s a fender bender or a more serious crash, your next steps matter, not just for your safety, but also for your health, your rights, and your ability to pursue a car accident claim. At KFB Law, our car accident lawyers have…
Slip and fall accidents happen in common places we visit every day, such as restaurants, grocery stores, and retail stores. But when someone falls and gets injured due to a hazard that should have been addressed, it’s more than bad luck; it may actually be negligence. In Florida, victims of these accidents can file a…
Dog bites can lead to serious injuries and long-term trauma, especially when the victim is a child or a senior. Florida’s legal approach to dog bite incidents is clear, especially regarding a dangerous dog: the state follows a strict liability rule, meaning dog owners can be held responsible even if their dog has never shown…
Contact Us
We’re always ready to help. Reach out to our team anytime—day or night—for trusted legal support.
Get a free consultation — Lightning-fast replies 24/7.
“Every lawyer I went to told me I didn’t have a case at all and that there is nothing that they can do. KFB LAW works miracles and will never disappoint their clients. KFB LAW is the best. Call! Don’t hesitate at all. They are the best.”
Kings M
Car Accident
Your data is 100% confidential.