Borkovic Law Group is dedicated to helping individuals with their personal injury matters and wrongful death claims. Personal injury refers to any type of damage inflicted to you that is caused by another individual’s negligence. These damages include physical, emotional, and/or economic harm. The damages sought are past, present and future losses. The most common kind of cases we handle involve people who are injured or fatally injured in automobile accidents, trucking accidents, motorcycle accidents, bicycle accidents, pedestrian accidents, boating accidents, slip and falls, and dog bites and traumatic brain injury.
Majority of our work involves dealing with auto insurance companies and their attorneys to help you get the most favorable settlement or a verdict for your case. This includes investigating liability, discovering coverage and policy limits, collecting your medical records and bills, sending demand letters, and negotiating with the insurance companies to achieve a favorable settlement offer and or litigating your case to the verdict. Our firm is dedicated to our clients and our main concern is to make sure our clients are taken care of. Our goal is to lift the weight off of our clients’ shoulders by having us deal with the insurance companies, their attorneys while having our clients prioritize their treatment and get better. We would like to provide our clients a level playing field with insurance companies. Insurance industry has unlimited resources, attorneys and experts to attempt to deny your claim, we would engage our resources, experience, and experts in zealous representation of your interests in personal injury matters. We keep our clients informed every step of the case. We regularly communicate with our clients to get injury status and see how their treatment is going. This helps us understand when the best time is to start collecting medical records to prepare a demand to send to the insurance company. Every offer we get from the insurance company we will present to you. We will give you our opinion to help you resolve your case that will be the most favorable to you.
No one expects to be involved in a car accident but it could certainly happen to anyone at any time. That is why it is important to know what you should do and should not do before an accident happens. These are important 10 steps to follow to protect yourself after an accident:
The type of doctor you visit will depend on the extent of your injuries and which body parts were injured. We always recommend seeking immediate treatment after an accident, such as at a hospital or urgent care. Emergency care treatment at a hospital is only preliminary and further treatment with a specialist needs to be sought. Typical injuries after an accident include whiplash, neck pain, back pain, headaches, and leg or arm pain.
After an Emergency Room, you could see your primary care doctor. However, often you will find out that your primary care doctor will refuse to see you if you are involved in a personal injury case or seek medical help relating to a personal injury matter. It is extremely important that you find competent medical doctors to help you immediately after your injury and do not delay your treatment.
Borkovic Law Group can assist you in locating a medical doctor after your accident.
If there is no recovery there is no fee in all personal injury cases we handle. We offer free initial consultation for personal injury matters where we would evaluate your initial case and provide advice on how to proceed with your case. If we agree to represent you in your personal injury case we would propose to you a contingency fee agreement to represent you in your case. Contingency fee agreement is a simple contract between an attorney and the client where attorney does not charge any fee upfront but rather limits its recovery to a percentage of the total of successful recovery amount brought to the client, usually anywhere between one third of the total successful recovery (33.33%) and forty percent (40%) depending on the case and if the case is resolved in litigation or not.
While health insurance will pay your medical bills and disability insurance will cover some of your wage loss, they will not pay you for the non-economic damages you have suffered. For example, if you are seriously injured in an accident that leaves you with permanent injuries such as a broken arm or spinal disc injuries, these types of injuries result in loss of ability to enjoy life, for which your health insurance and disability insurance will not pay for. Uninsured Motorist Bodily injury (UMBI) coverage is important because in addition to coverage for economic losses, it will also cover non-economic losses such as pain and suffering you will have to endure as a result of the accident.
Florida happens to be one of the few states that has Personal Injury Protection (PIP) benefits, which is a type of no-fault insurance coverage that pays for some of your expenses in the event of an accident.
PIP insurance in Florida pays up to a total of $10,000 for the following expenses:
If you owned an insured vehicle at the time of your accident, your auto insurance will be the primary source that is providing you Personal Injury Protection (PIP) benefits, regardless of what car you were in at the time of the accident or whose fault the accident is.PIP is a mandatory coverage on your automobile insurance policy in the state of Florida.
You should be seen and evaluated by a medical doctor as soon as possible after an accident, if possible immediately from the scene of the accident or within the same day of the crash, but no later than 14 days of the accident. Car accidents can contort and injure the body in many ways, which you may or may not feel the on-set of symptoms right away. It is common to be in an auto accident and not feel any pain or symptoms until days after the accident. That is why it is very important to be evaluated by a medical doctor as soon as possible after an accident. Seeing a doctor within 14 days after an accident is crucial in order to preserve important benefits through your auto insurance known as Personal Injury Protection (PIP) benefits. Failure to see a medical doctor within 14 days after your crash in Florida will result in you losing your Florida PIP benefits. When you visit a doctor, make sure you report ALL pain, injuries, and symptoms you are feeling. Do not over-exaggerate your symptoms, but also make sure you are not leaving any symptoms or pain out that you are experiencing.
No one can promise with certainty the duration of time it may take for a case to settle or get a verdict as every case is different and many factors affect the length of a case. A case with very low coverage and minimal treatment may be resolved quickly in the matter of a few weeks or months, as opposed to a case with high coverage and extensive treatment that may take up to a year or more resolve. The timeline of a case is very dependent on what kind of coverage is available, the duration of your medical treatment, the negotiation process with the insurance, and reduction process of medical bills and liens, litigation and a trial. Although most cases do get resolved before the filing of any lawsuit, if your case is required to go to trial, it is possible that the timeline will be much longer. In any event, Borkovic Law Group will do our very best to make sure your case is handled as quickly and carefully as possible. It is in our mutual interest to resolve your case for the most money in the shortest possible time.
No one can promise you with certainty that your case will be successful or how much your case is going to get resolved for. However, Borkovic Law Group can guarantee you that we will employ our skills, training, and experience to fight with the best of our abilities to make sure you get the most favorable recovery possible to fairly compensate you for your injuries. There are certain factors that could affect how much of a recovery you will receive, such as but not limited to:
If you have health insurance, Medicare, or Medicaid, they may pay for some or all of your medical bills. Health insurance, Medicare, and Medicaid are legally entitled to any settlement recovery from an auto accident for medical bills they have paid in relation to the accident. They will assert a lien against you until the case is resolved.
Personal Injury Protection (PIP) would be the primary payor for your medical bills relating to your car crash injuries and treatment. PIP coverage under your auto insurance policy may also pay some of your bills.
If there are any medical bills left over including liens from health insurance or governmental entities, Borkovic Law Group will do our best to resolve the remaining bills and liens so that they can be paid with a part of your settlement.
Most of our cases do get settled without having the need to file a lawsuit. However, when we recommend that it would be best to proceed with a lawsuit, it is usually because the insurance company is presenting too low of an offer and is unwilling to amicably resolve your case. When this occurs, all of the options will be presented to you and the possible outcomes of choosing each option. We will recommend which option we think is best, however, you as the client ultimately decides whether you wish to proceed with filing a lawsuit or settling with the insurance company.
Yes, if we are able to represent you on a case-by-case basis. If your personal injury case falls outside of Florida, we will find a reputable law firm to help us prosecute your injury case in that particular state and be a co-counsel with them taking care of you to the end. These types of cases are not uncommon for us and we work with a set of competent law firms from all over the nation in efforts to achieve the most favorable verdicts for our clients.
Many people usually have the false perception that insurance companies will help them in the event of an accident. Whether it is the auto insurance at fault or your auto insurance, they do not have your best interest in mind. The insurance adjusters work for the insurance company and therefore, they have the insurance company’s best interest in mind, not yours. That means that they will try to resolve your claim for as little money as they possibly can, which is an adversary to your interest.
In deciding whether to use an attorney or handle the case yourself, you may want to consider the following information: