FAQ

We provide free consultations for all insurance and injury cases.

The attorneys at 911 Biker Law at The Law Offices of Michael B. Brehne specialize in representing people who have suffered personal injuries as a result of a motor vehicle or motorcycle accident.

One of the primary defenses to a personal injury case is that you are not truly hurt. And if you really are, it wasn’t because of this accident but rather a pre-existing condition that you had. Because of this, insurance companies delve deep and aggressively into your medical history to find any instances of minor medical conditions. As such, the attorneys of 911 Biker Law at The Law Offices of Michael B. Brehne will help prepare a complete and accurate medical history for the insurance company so that your prior complaints to your physicians are put into context with your recent complaints due to an accident. We are extremely well prepared to defend your medical history in order to illustrate new injuries due to motor accidents.

No, your rates should not be affected unless you’re found substantially at fault in causing the accident.

When you purchase your car or motorcycle insurance, you will be asked whether you would like to purchase uninsured or underinsured motorist coverage. This coverage protects you, your family and those driving in your car in the event you are injured by a driver who does not have insurance or does not have enough insurance to reimburse you for your losses. The attorneys of 911 Biker Law at The Law Offices of Michael B. Brehne recommend that any person purchasing insurance choose uninsured or underinsured motorist coverage because it’s a benefit that is paid directly for your own protection. This coverage is used any time there is no insurance or when the at fault driver’s insurance has paid as much as they have in coverage but your damages exceed that amount.

Yes, when your health insurance company pays for your medical care under any situation, they are entitled to reimbursement, only if you are reimbursed from another source. In other words, if the at fault driver’s insurance company pays you for your medical bills that the health insurance has already paid, you simply have to pay the health insurance company back a portion of what they paid. If you do not make a recovery from the at fault driver, you do not pay your health insurance back. The attorneys of 911 Biker Law at The Law Offices of Michael B. Brehne regularly negotiate reimbursement amounts and oftentimes even receive substantial discounts for our clients.

The attorneys at 911 Biker Law at The Law Offices of Michael B. Brehne do not rush our cases. Our attorneys are accustomed to working vigorously to put together a convincing, substantial case to insurance companies. This takes time. It takes time for you to recover from your injuries and to complete your medical care. As such, we do not rush your settlement. If litigation is involved, that will add significantly more time to your settlement or jury trial.

Under Florida law, your PIP insurance and your own health insurance are primarily responsible for paying your medical bills. The “at fault driver” will reimburse your expenses with the settlement money or with the jury verdict. Insurance companies do not settle cases piecemeal; they wait until all of your bills have been submitted to them so they can make an assessment as to the value of your case.

Until we complete a thorough investigation, review your medical records and discover how your injuries have affected you and your family, we cannot value your case. After you have completed care with your physicians, the attorneys at 911 Biker Law will compile all of the information necessary to make a complete and persuasive demand package to the insurance. Once your demand package is complete, we will discuss our recommendations with you and provide an estimate of the value of your case.

Most of the time, between your PIP insurance, health insurance and the “at fault driver’s” insurance, there is sufficient money to pay your outstanding doctor bills. In the event there is inadequate insurance coverage, the attorneys at 911 Biker Law at The Law Offices of Michael B. Brehne are able to assist our clients in making arrangements with physicians to satisfy outstanding bills.

Absolutely. All medical decisions are made by the client with the guidance of his or her physicians. The attorneys at 911 Biker Law provide legal advice regarding the consequences of your decision. For instance, if you elect to wait for surgery until after your settlement, it is most likely the value of your settlement will be much lower than if you had the surgery. However, under the law, you are entitled to the future medical expenses that are reasonably certain to occur which could include surgery. Simply put, a case merely gets more complicated if we have to argue about surgery, rather than present the insurance company with bills from the surgery.

Because medical decisions are between you and your physicians, the choice to see any doctor is yours. Oftentimes, general practitioners or family doctors do not treat victims of car and motorcycle accidents. They often refer them to specialists such as orthopedic surgeons, chiropractors or neurologists. As such, it is a good idea to start with a physician who specializes in caring for accident victims to expedite treatment.

The attorneys at 911 Biker Law at The Law Offices of Michael B. Brehne do not make any decisions regarding your medical care. The length and type of treatment that you receive are determined by your physicians and how quickly you respond to their care.

Yes, though you are not liable for paying any costs unless we win your case. We will pay all of your costs up front including payments for your medical records, conferences with your physicians, court filing fees, deposition fees, expert witness fees and all other costs associated with your representation. When we win your case, these costs will be deducted from your recovery. Keep in mind, we will never spend money that we do not believe that we can recover for you. If we do not win your case, you will not owe our law firm anything.

No, your rates are only affected if you are found at fault in an accident.

Florida law requires that those who own a motor vehicle must have minimum insurance to pay their own medical bills in the event that they are injured in an accident. Because of this, you are required to use your own PIP insurance or the PIP insurance of relatives who live in the same household if you do not own a car or motorcycle. Because your PIP insurance has limits, the “at fault driver” will be liable for paying your medical bills that exceed your PIP benefits.

No, at 911 Biker Law you are going to speak with Michael Brehne or one of our highly experienced attorneys at The Law Offices of Michael B. Brehne. You will not be transferred from extension to extension.

No. At 911 Biker Law at The Law Offices of Michael B. Brehne, the attorneys seek to deliver your settlement as quickly and efficiently as possible. Only under rare circumstances does a case need to be tried in front of a jury. The attorneys at 911 Biker Law know how to present your case in a way that is most favorable to you in order to compel insurance companies to settle out of court. For those cases that require a trial, the attorneys at 911 Biker Law are well prepared to present your case to a jury. Our firm has found that many injured people prefer settlements over litigation because of the time constraints associated. Because we are outcome oriented, our goal is to ensure that you get what you need as quickly and painlessly as possible through settlement or litigation. In our consultations, we will specify what is best for you.

When you are injured by another person in an accident, the law allows you to recover certain basic elements of your damages. You are entitled to your property damage, specifically the damage to your vehicle or motorcycle, as well as any gear that was damaged in the crash. You are also entitled to a replacement vehicle to use while yours is being repaired or while you are negotiating to pay off for a total loss. You are also entitled to up to $10,000 in PIP benefits from your own insurance company to pay for your medical bills and lost wages. Additionally, you are entitled to be paid by the “at fault driver” for expenses that are not covered by PIP related to your medical care and lost wages. In motorcycle cases, you’re entitled to your pain and suffering and future medical care. Contact the attorneys at 911 Biker Law at The Law Offices of Michael B. Brehne for specific information regarding the benefits you are entitled to for your specific case.

Yes. Most of the time, the person that caused the accident will have insurance to pay for your damages and injuries.

There are never upfront fees for personal injury cases. All cases are taken on a “contingent fee basis” which means you do not pay any fees or costs unless we win your case. Any fees and costs that are owed after we win your case are deducted from the settlement.

First, contact law enforcement in order to make a report. If you are injured, seek medical attention immediately. If you are able, gather as much information from the scene, including photographs of the vehicles involved as well as the location of the accident. When you’re gathering information about the accident, write down any statements that the “at fault driver” makes at the scene. Once you have complied with police reporting requirements and sought initial medical care, contact the attorneys at 911 Biker Law at The Law Offices of Michael B. Brehne.

If you still have questions regarding car accidents and motorcycle accidents in Florida, check out these FAQ pages: