How much is my accident case worth?

By: Attorney Alejandro R. Lopez

A few years ago I had a client who was involved in an automobile accident. He had already seen a few lawyers for his accident but, for some reason or another, no lawyer took his case. One of his first questions to me during the consultation (and through the case itself) was: How much is my accident case worth?. Actually, his actual words were: “Mr. Lopez, how much is my body worth after the accident?”.

It is understandable for many persons involved in any type of accident to wonder what is the value of their case, as my client did. Some clients have very difficult expectations to meet because, for instance, they see on the internet or on t.v. the lady who “won” five million dollars or so because she had hot coffee spilled on her, or their uncle’s case in New York which gave him $72,000.00. This is also worsened by many attorney and non-attorney commercials which we have also seen on television which make statements as: “You have $10,000.00 available for loss wages and medical bills”, “You can receive $25,000.00, $100,000.00, or more”. It is very unfair to the specific victim of an accident to hear and/or believe that these cases or statements would apply to him/her since they create many times an unreasonable hope and expectation that all cases are very similar in nature when that may not be their specific situation or case.

The answer to my client, and the analysis I proceed with each of my clients after an accident is as follows:

1. A thorough study of the accident, who was at fault, who was not at fault, evidence, photographs, medical records, wages records, and many other,

2. After fault for the accident is established, then

3. A thorough analysis of any and all insurance policies which provide and/or may provide funds and/or monies for the accident in question, and the ability of the person or entity which was at fault for the accident to pay for the damages created, and

4. Try as best as possible to provide numbers to each and every damage my client suffered as a result of the accident.

So, to value the worth of my client’s accident, several factors have to be analyzed:

a. What are the medical bills (ambulance, doctors, emergency room, anesthesiologist, chiropractor, pain medicine specialist, etc.) have accrued and are outstanding as a result of the accident? All the medical bills have to be gathered, analyzed in detail, and added,

b. What are the future medical bills the client will more likely than not incur in the future because of the accident? (the health care providers can give, at times, an estimate of future medical bills which could be incurred by the specific person in question, for instance, will the client require immediate surgery?),

c. What are the wages, salaries, monies and/or funds which the client has missed or lost since the date of the accident and as a result of the accident? (This requires looking at paystubs, I.R.S. returns, W-2’s, 1099’s, work schedules, dates and times missed, hourly rates, etc.),

d. What could be an estimate of future wages, salaries, monies and/or funds which the client will more likely than not miss in the future due to the accident?,

e. What out of pocket expenses the client has had due to the accident? (For instance, monies spent due to purchases of prescription medications, arm slings, etc.),

f. Was the person at fault drunk at the time of the accident? (Something under the law called “punitive damages” could apply),

g. Is my client married? (If so, there is a type of damage called “loss of consortium” which exists in the case and belongs to the client’s husband or wife, even if the husband and/or wife was not involved directly in the accident (For instance, the husband/or wife was not inside the car in an automobile accident when the accident took place)),

h. What has been the “loss of enjoyment of life” to the client as a result of the accident? (For instance, what physical activities the client cannot do (or can do but with much difficulty) which the client was able to complete before. Ex.: playing sports, going to the movie theaters, driving, etc. This is what folks usually call on the street, and used to be called, “pain and suffering”, and

i. What type of physical damage has the client sustained? (broken bones?, broken ligaments?, herniated cervical or thoracic disks in his/her vertebral column?, other?).

Some of those “damage items” I mention can be added up. For instance, I know if I receive a bill from the chiropractor, as a result of my car accident, for $1,000.00, and another bill from the hospital for $20,000.00, my past medical bills are $21,000.00.

However, some of those damages are very difficult to value. Those damages are called under the law “non-economic damages”. Among them are the loss of enjoyment of life or “pain and suffering”. How can you measure in dollars someone’s pain after an accident? or the anguish and nervousness the client feels if he/she has to be subjected to a surgery? or if there are complications from a surgery and there is more pain and suffering? or pain which may last for years to come? This factor creates much controversy and litigation in the Courts. I remember many years ago, when I was a young and naïve law school student, that one of my professors taught us to let our clients know to keep a diary and mark in it the times, dates, and amount of time, when they suffered pain and to give each minute of pain an equivalent of $2.00 per minute of pain. A bit crazy right?

Please make sure to speak, after your accident, with a lawyer of your choice (if possible, directly with the lawyer you see on television and not with a paralegal or case analyst) to have an adequate and realistic advise of your accident case’s worth, possibilities of winning or losing your case, pro’s and cons in your case, and much more. Do not be deceived by advertising which offers you thousands of dollars in your pocket after your accident. Remember what your parents and elders used to tell you: “not all that shines is gold”.

Should you have been the victim of an accident, I will be fully available to personally meet with you to analyze your case and provide you with a realistic and down-to-earth analysis of your case or claim and to process your case should you so choose. Call us at: (407) 649-1404 or contact us through: and/or through

Comments Off on How much is my accident case worth?


New Automobile Accidents Law in Florida Affects All of Us

By Attorney Alejandro R. Lopez

Unfortunately, Florida’s legislature has placed in effect beginning on January 1st, 2013, a new law which affects all of us who drive a car in Florida.

As all of you know, in Florida all of us who drive are under the legal obligation of paying (and have in effect) an automobile insurance coverage called “Personal Injury Protection”. This insurance pays, in case of an automobile accident, for your:

1. 80% of medical bills which arise (without taking into consideration who is at fault for the accident), due to the automobile accident. The insurance company pays 80% of the medical bills up to an amount of $10,000,

2. 60% of wage loss which arise (again, without considering who is at fault for the automobile accident), and

3. Up to $10,000.00 in case of death as a result of the accident.

Beginning on January 1st, 2013, those benefits have been highly restricted in the following manner an according to law:

A. If you are in an automobile accident and do not seek medical treatment during the first fourteen (14) days of the accident, your car insurance (P.I.P.) could deny you the benefits mentioned above,

B. The “initial medical services” must be provided, supervised, ordered and/or assigned by an osteopath, dentist, or chiropractor, or must be provided in a hospital, or in a health care facility owned in part, or in whole, by a hospital,

C. Your “P.I.P.” will only pay for medical services which you incur as a result of a motor vehicle accident, only if you appeared to obtain medical treatment within the fourteen (14) days of the accident, AND if the following takes place:

1. The medical services are based on a doctor’s referral, chiropractic, or orthodpedic, AND

2. The medical services are consistent with the medical diagnosis which is issued to you on your initial medical visit.


If all of the above is accomplished, then your P.I.P. provides two types of payments:

Up to $10,000.00  if your condition is determined to be of “emergency” or up to only $2,500.00 of your $10,000.00 coverage if your medical condition afte the accident is determined not to be an “emergency”.

The law determines that an “emergency” condition is defined as those medical conditions which are manifested with acute symptoms of sufficient severity, which include severe pain in a way that the absence of medical attention will result in:

.Serious damage to the patient’s health,

.Serious incapacity to corporal functions, and/or

.Serious incapacity to any body organ or body part.


Massage therapies and/or acupuncture will not be paid by your “P.I.P.” insurance under the new law.

These changes seriously affect your benefits under insurance policies for which we all have been paying premiums for years. It is, therefore, very important, that you contact your lawyer directly in case of accident, and without the need to go through any attorney referral company, so that you can be immediately advised of your legal rights and obligations. Our Firm has processed hundreds of automobile accidents since 1999, and we will be at your immediate disposition to advise you and guide you after your accident. You can contact us through a simple electronic mail to:, or through our website:, or calling our Firm at: (407) 649-1404.

Drive carefully.




Comments Off on New Automobile Accidents Law in Florida Affects All of Us