Stepping outside no-fault. After a car crash, your own PIP coverage pays first. To claim pain and suffering and full damages from the at-fault driver, Florida Statute § 627.737 requires a permanent injury, a significant and permanent loss of an important bodily function, significant and permanent scarring, or death. Most spinal cord injuries meet that threshold, but it still has to be proven with medical evidence.
Modified comparative fault. Since 2023, your recovery is reduced by your share of the blame, and if you're found more than 50% at fault in most negligence cases, you recover nothing. In a spinal cord injury case, every percentage point is worth a great deal, so defendants work hard to shift blame. Evidence is how we push back.
Layered insurance. One policy rarely covers a spinal cord injury. We look for umbrella and excess policies, employer coverage, commercial policies for trucking companies and businesses, and your own uninsured motorist coverage.
Treatment in Orlando. Many of Central Florida's most serious spinal cord injuries are treated at Orlando Regional Medical Center, a Level I trauma center, before patients move to inpatient rehabilitation. We work with your treating physicians to build a medical record that supports your claim.