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You are dealing with the pain. We take on the insurer and fight for what the crash cost you.
A collision can leave you without a car, unsure about treatment, and answering insurance calls before you know how badly your life has changed. Katz & Associates gives Port St. Lucie drivers and passengers a clear plan, protects the evidence, and builds the claim around the full impact on your health, work, and family.
No attorney fee unless compensation is recovered for you.
After a crash, people are often trying to make medical decisions, replace transportation, explain missed work, and answer insurers at the same time. We slow the process down, explain what matters in plain language, and take over the parts you should not have to manage alone.
You will know what needs attention now, what can wait, and why each step matters. The goal is to replace confusion with a clear path and build the claim while you focus on getting your life back under control.
Your health comes first. We can explain how the treatment record connects to the claim and why Florida’s PIP law ties medical benefits to initial services and care within 14 days—without pretending a website can tell you what care is right for you.
We identify which insurance company is calling, what the policy may require, and whether a recorded statement, medical authorization, or fast settlement should be reviewed before you respond.
Port St. Lucie Police records, FLHSMV reports, photographs, nearby video, witness accounts, vehicle damage, and electronic data may answer different questions. We build the evidence plan around the collision, not a generic checklist.
Lost work, replacement transportation, help at home, interrupted caregiving, pain, and changed routines are part of the real loss. We connect those consequences to records the insurer cannot simply brush aside.
A collision on Port St. Lucie Boulevard, Crosstown Parkway, Gatlin Boulevard, St. Lucie West Boulevard, US 1, or near an I-95 interchange can involve different investigating agencies, nearby businesses, roadway features, and travel patterns. We start with the actual location and follow the evidence outward.
Signal timing, turn lanes, sight lines, businesses, vehicle positions, and available video may help explain how the collision unfolded.
The report may begin with Port St. Lucie Police, another local agency, or a state source. Identifying the investigating agency avoids wasted time.
Work, medical visits, school, caregiving, and transportation across St. Lucie and Martin counties can all be affected at once.
The claim is not one insurance form. It is a connected story of how the collision happened, which policies apply, what the injuries required, and how the consequences reached into work, home, and the future.
We learn what happened, identify the insurers and possible responsible parties, review time-sensitive issues, and decide which communications and evidence need immediate attention.
We connect collision evidence with the medical course, wage impact, coverage, future needs, and the ordinary parts of life the injuries made harder.
We present a supported demand, challenge unfair fault and value arguments, negotiate from the record, and prepare for litigation when the insurer will not evaluate the claim fairly.
Start with what happened, what hurts, what has changed, and who has contacted you. We can explain the next decision in plain language and begin bringing the moving pieces under control.
Florida’s no-fault system can make the beginning of a claim confusing. PIP, the at-fault driver’s liability coverage, uninsured motorist coverage, and other policies may play different roles.
PIP can pay qualifying medical and disability benefits under the policy without first deciding who caused the crash. The statute requires initial services and care within 14 days for medical benefits.
PIP does not automatically account for every loss, every bill, or the full effect of a serious injury.
A liability claim may address losses that PIP does not fully cover when another person or business caused the crash. The evidence, injury threshold, policy limits, and assigned fault can all affect the path.
If the other driver has little or no insurance, your own uninsured or underinsured motorist coverage may become important.
The report’s label is only a starting point. Vehicle data, driver conduct, employers, app status, road evidence, coverage, and the sequence of impacts determine where the investigation goes next.
More than one impact can complicate fault, causation, and the medical story.
Signals, sight lines, vehicle damage, video, and witness accounts may become central.
Your own policy and other available coverage may become especially important.
Coverage can change based on the driver’s app status and role in the collision.
Read about rideshare claimsThe civil injury claim is separate from the criminal case and may involve additional evidence.
Read about DUI accident claimsAn employer, owner, contractor, or commercial insurer may share responsibility.
Read about commercial vehicle claimsThere is no honest online calculator for a car accident claim. Value depends on the evidence, injuries, fault, available insurance, future needs, and how the crash changed your ability to work, care for people, move, sleep, and live.
We build those separate facts into one supported claim without promising an outcome that no lawyer can guarantee.
Katz & Associates has served South East Florida since 2005 and represents injured people in Port St. Lucie from the firm’s established Stuart office.
You should not have to learn an insurance system while you are hurt. We explain the decisions, keep you informed, and build the medical, insurance, work, and family consequences into a claim the insurer has to address.
770 SE Indian Street, Suite A-16These are the questions that often matter before a statement, release, repair decision, or settlement fixes the insurer’s version of what happened.
Start with the agency that investigated the collision. Port St. Lucie Police provides an official request path, and FLHSMV operates Florida’s crash-report portal. The report number and investigating agency can help identify the right source.
You may need to provide basic information, but you do not have to guess about your injuries or give a broad statement simply because an adjuster asks. The right response depends on who is calling, which policy applies, and what information is actually required.
Some symptoms develop or become easier to recognize after the first hours or days. Seek appropriate medical care and explain when the symptoms began. Florida’s PIP law also ties medical benefits to receiving initial services and care within 14 days.
PIP may pay qualifying benefits first. Health insurance, medical-payment coverage, liens, and the liability claim can also affect how bills are handled. The answer depends on the policies, providers, and facts of the crash.
A fault accusation is not the final word. Florida’s modified comparative fault law can reduce damages based on assigned fault and generally bars recovery when a party is found more than 50 percent at fault in covered negligence actions. Evidence should be reviewed before accepting the insurer’s percentage.
Report a hit-and-run promptly and review every available policy. Uninsured or underinsured motorist coverage, household policies, employer coverage, or another responsible party may affect the options. Coverage language matters.
Florida generally gives two years for an action founded on negligence, but the correct deadline can change with the parties, date, claim type, notice requirements, and other facts. Evidence can disappear well before a lawsuit deadline, so timing should be reviewed early.
You do not need the right legal terms or every record in hand. Tell us what happened, what hurts, and what the insurance company has asked you to do. We can help you understand what needs attention first.
Call 772-933-5289No attorney fee unless compensation is recovered for you.
