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The Longo Firm P.A.

Car Accidents

How Accident Lawyers in Florida Play the Claims Game
  • By: Micah Longo, Esq.
  • Published: October 5, 2016

The best accident lawyers in Florida are excellent salesmen. They’ve been to law school and have years of experience in negotiating claims.  Accident lawyers know they are selling a product. In the accident claims game the product is damages. The sale includes pain and suffering, medical bills, and lost wages. Since you can’t go back in time, the product used to settle claims of damages is money.  It’s easy to find the best accident attorney in Florida based on the following: Good Working Relationship The best accident lawyers in Florida spend time with their opponent. This can be an insurance adjuster or a defense attorney.  They always treat their opponent with respect and professionalism. No one likes being treated like a second-class citizen. This is especially true of insurance adjusters. Now this doesn’t mean an accident lawyer should become…Read More

Should I See a Doctor Immediately After an Accident?
  • By: Micah Longo, Esq.
  • Published: September 20, 2016

You should see a doctor immediately after an accident in Florida. This is best, but if not immediately after an accident, then as soon as possible thereafter. Any delay in treatment could have an adverse effect on your case. Immediate treatment does not mean you must go to the emergency room. You can go to an urgent care facility or your primary care physician.  I do, however, recommend that you first see a medical doctor, as opposed to a chiropractor, at least in the beginning. You will want to see a doctor immediately because if something is seriously wrong, you’ll want to know it early on. Also, insurance companies track when you first treated. If you waited too long to seek medical treatment, the insurance company will argue that you’re really not hurt. Many times people are hurt but…Read More

  • By: Micah Longo, Esq.
  • Published: August 27, 2016

Getting medical records after an accident in Florida is an essential part of handling the injury claim. Medical records provide a view of the pain and suffering endured by the patient during treatment. They are vital components in building an understanding of medical treatment and pain and suffering management. In this article I will discuss obtaining medical records after an accident, assuring completeness of the medical records and some basic information on organizing and analyzing the medical records. Obtaining Medical Records The assessment of pain and suffering sustained in any Florida personal injury case, must be done in the initial evaluation of a potential new case.  The first step in reviewing a potential client’s personal injury case is obtaining medical records. Obtaining medical records can be tricky. Sometimes even Florida injury attorneys face resistance or…Read More

How to Maximize Your Florida Accident Settlement
  • By: Micah Longo, Esq.
  • Published: August 26, 2016

In this article I will give you a few easy tips on how to maximize your Florida accident settlement. First, understand that accident settlements are basically negotiations between you and the insurance company. Negotiation is a skill that can be mastered only by experience. Most accident lawyers know the rules, but few are master negotiators. Negotiating with insurance companies is kinda like playing poker. You gotta know when to hold’em, know when to fold’em (and when to raise your bet). Do Not Volunteer Information When negotiating an accident settlement keep your cards close. Do not volunteer information, unless it helps your case.  Without being untruthful, you can just let things unfold in a way that helps your case. Winning is winning, as long as it is accomplished within the rules. One need not lie, but, much is achieved with what…Read More

  • By: Micah Longo, Esq.
  • Published: August 20, 2016

The first thing you should do is find out how much insurance money is available for your car accident case. This issue can be revised, as more information becomes available, but it needs to be done ASAP. It’s obviously helpful to know if there is $10,000 in coverage or $10 million. To be certain, you should request and read the actual insurance policy. In Florida, if you’re are injured in an accident you have a right to a copy of the insurance policy, as well as a sworn statement from the insurance company confirming coverage amounts. If the insurance company refuses to provide you with a copy of the entire policy, you may file a formal complaint with the state insurance commissioner (i.e. civil remedy notice). If the insurance company still refuses to provide you with a copy of the…Read More

How to Report an Accident to Insurance Company in Florida
  • By: Micah Longo, Esq.
  • Published: August 15, 2016

In this article I will answer how to report an accident to an insurance company in Florida. First, whether or not a particular insurance policy applies depends on the policy language and clauses, and to some extent Florida law. If you’re not sure if there is coverage, it’s best to submit a claim to ALL possible insurance companies. Put Everything In Writing If the insurance company believes the accident is not covered, or should be denied, make them place that answer in writing. Always seek to make sure that what is told to you is put in writing.  If this isn’t done, and you are answered telephonically, as a minimum do what Florida accident attorneys do, write a “confirming” letter regarding important issues. For example, write an insurance company, “This is to confirm our telephone…Read More

  • By: Micah Longo, Esq.
  • Published: August 12, 2016

In this article we will discuss how to build a personal injury case in Florida. You should know there are numerous cases that can be brought from accident injuries. The potential claims and causes of action are almost too numerous to count. Cases can arise from car accidents, slip and falls, dog bites, product liability, medical malpractice, and the list goes on.  Virtually all arise form some duty under the law, a general breach of that duty and damages resulting from this breach.  Many actions, although not all, are pursed when there is first some kind of liability insurance to go after. This makes it easier and more convenient for the plaintiff. For the purposes of this article, there is not much technical difference between a car accident and a slip and fall, and an injury caused by a defective product. …Read More

How is an Auto Claims File Created?
  • By: Micah Longo, Esq.
  • Published: July 25, 2016

Usually what happens to a car accident claims file within the first 30 days will determine whether the file will be handled properly. Most of the problems in the auto insurance claim industry develop in that first 30 days, due either to poor supervision or poor work-up by the claims adjuster or the claims manager. It doesn’t make much sense to create a claims file and then just let it lay around with no activity on it. Claims File Is Created The claims file is created after the claimant, insurance agent, or insured notifies the insurance company of an accident or possible claim. There is no creation until the file is set up in the claims department. What this means is that an actual person must input the claims information into a computer in a…Read More

  • By: Micah Longo, Esq.
  • Published: June 3, 2016

As long as you had insurance at the time of the crash, canceling your policy with have no affect on your claim. Insurance companies love to say you shouldn’t cancel in an attempt to keep you paying your premiums. If you are not receiving the customer service you deserve, cancel your policy. With so much competition within the market you should not have a problem finding another car insurance company at a reasonable price. We do suggest that you avoid “bargain” insurance companies because they provide minimal coverage and poor service. Minimum Coverage Requirements In Florida, all that is required to have “full coverage” is $10,000 in Property Damage liability coverage and $10,000 in Personal Injury Protection (“PIP”). You may have heard that Florida is a “no-fault” state. This means in every car accident the…Read More

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