What is a Personal Injury Claim? A Car, Truck, Motorcycle Accident with Injuries? Drowning in a Swimming Pool? Was the Wrong Limb Amputated? What about a Slip and Fall in the Supermarket causing Back Surgery? Yes! All of these Incidents and more are classified as Personal Injuries and You May Have a Claim. What South Florida Residents and Drivers Need to Know about all of these types of accidents which are all Personal Injury Claims

Let me introduce myself, my name is Virginia Drogo and my team and I have been representing accident and injury claimants throughout the State of Florida since 1992. Our Firm handles serious injuries and wrongful death claims.

You’ve been injured and you injuries are severe. They may be catastrophic or someone close to you may have been killed wrongfully. You have serious concerns and have many questions. “What am I going to do? Who do I call? I missed time from work and I am going to miss a lot more. I might get fired. I can’t pay my mortgage and FPL is threatening to turn off the power. Who is going to pay my medical bills? The hospital charges are $16,000 a day for intensive care; $9,000 for daily hospital stay; $3,000 for every day spent in the rehabilitation center. What should I do? I had two surgeries and need another? I can’t afford it. I don’t have health insurance. If I don’t get the additional surgery and have physical therapy on my back I may lose the use of my legs. Im scared”. These are questions and concerns that I hear every day working with catastrophic injury victims.

These questions and more are serious concerns for any accident victim. Unfortunately, I must tell you that there is no straight answer. Every personal injury case is different. However, I can tell yougeneral information that may help you get the answers that you are looking for. The information here is not legal advice. I will not be your lawyer until and unless we enter into a formal written agreement for me to be your lawyer. Every case is different. I can offer suggestions but this is not legal advice about your specific claim. An attorney can give you quality legal advice only when he or she understands all of the facts involved in your case

Virginia M. Drogo

South Florida Personal Injury Attorney

What You Really Need to Know


1. 
You should not talk to the insurance adjuster UNTIL you have familiarized yourself with the claims process and understand why she is asking you those questions. Even if she is the claims adjuster for your insurance company, she is trained to keep the money in the insurance company’s pocket. THE INSURANCE COMPANY IS NOT YOUR FRIEND.

2. The insurance company has many forms they want you to sign. Do not sign them until you understand what each form does. Some forms are necessary to start the claims process; some are not. SOME OF THESE FORMS WILL HURT YOUR CLAIM.

3. Do not give either insurance company a recorded statement until you know your rights. Your insurance company has a right to take your statement, however, the other insurance company, the one for the person who injured you, does not. Even though your insurance company has a contractual right to take your statement, you have the right to consult with a lawyer before giving the statement. Don’t let them pressure you. You have the right to be informed before you talk to the insurance adjuster. Remember, it’s the insurance adjuster’s job to keep the money in the insurance company’s pocket.

4. To start your claim, you must have been injured. If you were injured, you would have gone to a hospital or doctor for follow-up care. Note, in the State of Florida for a car accident you must have a permanent injury to be able to collect money for pain and suffering. Your subjective complaints of pain and the doctor’s objective findings will determine what your injury is and whether it is permanent. Many of the injuries people suffer as a result of a car accident will be permanent without them even realizing the extent of the injury. The doctor cannot state that you have a permanent injury unless you go for treatment. Insurance companies only have to pay claims for people who are injured. If you are not hurt, please do not abuse the system. If you are injured, then you must regularly attend physical therapy until your doctor releases you and tells you that you are at MMI (Maximum Medical Improvement).

5. Florida is a “no fault”

 

state.That means it doesn’t matter WHO is at fault for the accident; your insurance policy will pay your medical bills up to $10,000 dollars and the other party’s insurance policy will pay their medical bills up to $10,000 if they are hurt.

 

Florida law requires you to have PIP (Personal Injury Protection) “no fault” insurance, which will pay your medical bills up to $10,000.00 if you are injured. You are also required to have “property damage insurance.” The property damage coverage will pay for repairs or replace the other driver’s vehicle if you are at fault for the accident.

6. WHO REALLY POCKETS YOUR $10,000.00 IN NO-FAULT MONEY?

I have many accident victims coming to me with the false impression that they are going to receive $10,000 in No fault money just because they were injured in an accident. Many car accident victims have informed me that they have heard advertisements on the radio that they can get $10,000.00 in no fault money and ask where they can collect, I explained to them that the $10,000 in no-fault benefits are for MEDICAL BILLS and lost wages. I also explained that the doctor who is treating them for their injuries is going to make a claim for some or all of the $10,000.00 of No Fault Money. They ask what about lost wages? I explain that if their PIP Policy did not have wage loss exclusion they may be entitled to be paid for some of their lost wages. However, in many cases the medical provider has exhausted all of the PIP benefits before the accident victim knew he or she could have made a claim for lost wages.

 

Find out where that $10,000 really goes before you sign those forms. This form along with the No Fault application gives the medical provider “chiropractor” the right to collect YOUR $10,000 OF PIP (no-fault) BENEFITS:

 

DO NOT SIGN THIS FORM OR ANY OTHET WITHOUT UNDERSTANDING WHAT IT DOES TO YOUR CLAIM. I have put a link on the right so you can look at the form. Please look at the form so you can have familiarity with it.

7. The form is a Power of Attorney and Assignment of Benefits. This form will give the medical provider:

 

• The power of attorney to endorse all of your medical insurance checks with your name on them;
• The power of attorney to sign any and all papers necessary to expedite payment to them;
• The full power of attorney to do and perform any and all act(s) whatsoever to endorse checks and other documents; This form gives the medical provider the right by law to sign any and all checks that will come from your PIP benefits.

 

This form gives the medical provider the right by law to sign any and all checks that will come from your PIP
benefits.

8. Lets talk about another important form. The infamous LOP (Letter of Protection). What does (LOP) mean?

What is a “Letter of Protection” and what does it do?

 

A “Letter of Protection” is a letter that most medical provider’s requires you sign before he or she will give you medical treatment if you have been involved in an accident. This form gives the doctor the right to get paid from your settlement proceeds. So these two forms alone, the “Power of Attorney and Assignment of Benefits” and the “Letter of Protection,” gives the medical provider the right to collect money from your $10,000 PIP benefits and your insurance settlement proceeds. I have seen chiropractic bills run in excess of $20,000 for injuries from a low impact/no property damage case. Who is getting rich here? And get this: most LOPs that I have seen have language in them giving the medical provider the right to take from your settlement any money you may have owed them for past services. That is outrageous!

Not only does this document give the medical provider the right to take your settlement money and leave you with nothing, but if, by chance, there is money left over, and you owe them from another injury or illness, they can take that money from you as well.

Our Firm handles serious injuries and wrongful death claims. If we accept your case and you accept our representation we will come to you anywhere in Florida if you are not local to us. We will tell you if your claim has merit and will give you the facts so you can make an informed decision about your claim. We are not going to waste your precious time or ours if you do not have a case that can be won and that can put money in your pocket.

We will tell you if you have a case that needs our help. We may find that you can handle the case yourself with a little coaching. Many people ask us to represent them for claims they can handle themselves. If that’s the case we will let you know and we will give you some guidance so you can resolve your claim yourself.

If your case meets certain criteria and we accept it; we will work diligently to put the most money possible into your pocket. In order to successfully represent our clients and receive the highest possible settlements and/or verdicts we need our clients to keep communication open. If you become our client it is important for you to inform us of anything new about your claim that we would not know unless given the information. For example, if you were given a referral to a specialist, if you incurred out of pocket expenses due to prescriptions, household services or transportation services to and from doctors appointments. Additionally, please inform us of any pending surgeries or medical treatment whether relevant to your claim or medical treatment associated with another injury or illness.

We will keep you up to date on your case and let you know the steps needed to be taken to obtain the best results for your claim. When the insurance adjuster offers any money on your claim you will get a letter in writing explaining the offer given by the adjuster. We will give you advice on whether you should settle your case or go to trial. The costs and fees will be explained to you at the beginning of the case, before you decide to make a claim. We will work on your case together as a team, and together you and I will decide on the best tactics for your case. All lawyers are not the same. We are very selective with the case we accept which gives us more time for your claim. We handle serious injury and wrongful death cases.

We choose not to handle every case that comes through our door. The reason is that some of the cases we see; fender bender low impact collisions with low or no property damage or minor injury cases are cases you may be able to handle yourself. NOT ALL CASES NEED AN ATTORNEY

Just a personal note to all of you injured victims out there. It happened to me; I know how accidents can destroy your life. I was involved in a catastrophic car accident with catastrophic injuries in 1992. I know how it could destroy everything that you have worked so hard to accomplish. You are not alone, I will listen and help you with every possible thing I can as it relates to your injury case.

Many people think they know what a personal injury case is, just to find out that they only know what they heard from someone else. They did not know that their brother’s injury, which occurred while working on a conveyor belt at an airline where he had his hand caught in a conveyor belt, constituted a personal injury case as well as a claim for workers compensation. Many people who are injured by another person’s negligence do not realize that they have a personal injury case. In the state of Florida, you may have a claim for medical bills, lost wages and pain and suffering if someone caused you a permanent injury due to his or her negligence. A personal injury, car accident, or wrongful death case is any type of claim where a person has been injured or killed due to someone else’s carelessness. If you or a loved one has been injured due to the negligence or fault of another you may be eligible to receive payment for your medical bills, lost wages, pain and suffering or other losses. South Florida Personal Injury Center Attorney Virginia Drogo and her staff offer legal representation to South Florida accident victims who have been involved in South Florida car accidents, Florida motorcycle accidents, Florida trucking accidents, Florida boating accidents, Florida swimming pool accidents, medical malpractice, birth injuries, burn injuries, dog bites, workplace injuries, premises and product liability, and wrongful death accidents. If you or a loved one has been injured by another, you are entitled to have your rights advocated for by an experienced and competent South Florida accident attorney.

WHY SHOULD YOU SPEAK WITH A South Florida Accident Attorney?

 

Without a South Florida personal injury attorney, it is very likely that you, the client, will fail to receive fair compensation for your injuries. My job, as a lawyer, fighting for South Florida accident victims, is to fight to put the most money in your pocket possible, for your claim. After a serious accident the at-fault party or their insurance company may quickly contact you as a way to minimize their losses. The insurance companies’ job is to pay the least amount of money for your claim. They may want you to settle quickly, before you have realized the full extent of your injury or had the opportunity to consult with a South Florida Personal Injury Attorney. That's why selecting competent legal representation to go head-to-head with the insurance companies is of the utmost importance. You should not speak with the insurance company until you have first spoken with a South Florida accident attorney. The insurance companies are not looking out for your financial interest they are looking out for theirs. Without a South Florida serious injury attorney, it is very likely that you, the client, will not receive the compensation that you deserve.

Do you have any idea how hard it is to get your attorney on the phone? Well; I am about to change that. My name is Virginia Drogo and if you are my client you will have my direct cell number. You are probably not going to call me off the wall because I am always available I either pick up the phone or call you right back. Since my clients can get in touch with me pretty much any time, they normally don’t abuse the phone. Your situation may only need five minutes of my time, why shouldn’t I answer your call. If you need more time I will be available for you as soon as possible; many times I can see you the next day. As long as I am in the office I will see you. You really don’t need an appointment unless you need an hour or two for a formal conference. Many of your questions can be answered from the information on my computer or the information I have in your hard file. So if you want to come see me to ask questions about your case come on in.

Some of the questions that you may have I am going to discuss here.

 

All personal injury attorneys offer a free consultation and so does our firm, but we also offer you FREE INFORMATION that you can study in your own home. If you’re interested in any of the free information on our website just call our toll free line 800 363-8182, leave your name, address and email address and we will send you a FREE PACKAGE OF GOOD INFORMATION that will help you decide if you actually need an attorney. Some cases you may be able to handle yourself, however, if you do want to speak with a serious injury attorney at the South Florida Personal Injury Center, you will be provided with a free consultation and will not be charged any fees unless money is recovered. If you have endured the loss of a loved one or pain and suffering due to serious injuries, rehabilitation, physical therapy, counseling, lost wages, loss of services, replacement services, medical bills, and hospital bills, you may be eligible to receive compensation. You need an attorney who will work hard for you, making sure you receive the highest possible settlement for your case.

 

South Florida Personal Injury Center Attorney Virginia Drogo and her staff offer legal representation to South Florida accident victims who have been involved in South Florida car accidents, Florida motorcycle accidents, Florida trucking accidents, Florida boating accidents, Florida swimming pool accidents, medical malpractice, birth injuries, burn injuries, dog bites, workplace injuries, premises and product liability, and wrongful death accidents. If you or a loved one has been injured by another, you are entitled to have your rights advocated for by an experienced and competent South Florida accident attorney.

 

If you or a loved one has been injured due to the negligence or fault of another you may have a personal injury claim. You may be eligible to receive payment for your medical bills, lost wages, pain and suffering and/or other losses

To Schedule a Free Consultation With Attorney Virginia Drogo Call: 888-Your-Claim (888-968-7252)

YOU MAY NOT NEED AN ATTORNEY! DOWNLOAD MY BOOK FOR FREE TO LEARN MORE

For Ordering Copies Of Our FREE BOOKS Or To Receive
Our Newsletters Just Dial 800-363-8182

You can call our toll free number to get some valuable information on accident claims. Just leave your name, address and email address, and we will send you our FREE GUIDE to Accident Claims.

“One Fatal Mistake Could Destroy Your Accident Case”

This guide may help you in avoiding possible mistakes that can jeopardize your potential accident claim.

Attorney Virginia Drogo, an experienced South Florida serious injury lawyer, represents injured victims of South Florida in the cities of Hollywood, Naples, Miami, Miami Gardens, North Miami Beach, South Miami Heights, Del Ray, Lake Worth, Boynton Beach, Margate, Coral Springs, Pompano Beach, Fort Lauderdale, Tamarac, Sunrise, Davie, Cooper City, Pembroke Pines, Miramar, Hialeah, Leisure City, Kendall, Kendall Lakes, Homestead, Pinecrest, and Princeton.