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The crash changed more than your car. We fight to make the claim reflect it.
When someone else’s driving leaves you hurt, the insurance company starts measuring the claim almost immediately. Katz & Associates helps people in Stuart protect evidence, deal with adjusters, and build a clear record of what the crash changed at home, at work, and in their health.
No attorney fee unless compensation is recovered for you.
Trial-ready preparation
Every claim is built with the next stage in mind.
Evidence protected early
Records, photos, video, and witnesses can matter.
Insurance calls handled
You do not have to manage adjusters alone.
Established in Stuart
Local representation from the firm’s Martin County office.
After a crash, it is normal to feel confused about what to do first, who to call, and what the insurance company expects. We explain the process in plain language, help you understand each decision, and keep the claim moving while you focus on your recovery.
Our job is to bring the claim under control. We show you what needs attention now, what can wait, and what should be reviewed before you sign or say anything that could affect your case.
Tell providers what changed after the crash and follow appropriate care. Florida’s PIP statute ties medical benefits to receiving initial services and care within 14 days, but your health should drive the medical decision.
An adjuster may ask for a recorded statement, broad medical authorization, or quick settlement response. What you must provide depends on the policy and who is asking. A careful review can prevent a casual answer from becoming the insurer’s version of the claim.
Crash-scene photos, vehicle damage, nearby video, witness information, reports, and electronic vehicle data can become harder to recover with time. The evidence plan should fit the crash, not a generic checklist.
Missing work, losing transportation, needing help at home, changing childcare, and living with pain are part of what the crash changed. A strong claim connects the records to the real life behind them.
Florida law can move quickly after a crash. The 14-day PIP rule is one deadline, not the only issue. Read Florida Statutes 627.736.
Crashes near US 1, Kanner Highway, Monterey Road, Willoughby Boulevard, and the roads that connect Stuart with Palm City and Jensen Beach do not all create the same evidence trail. Location can affect the report, available video, witnesses, roadway records, and how quickly normal routines become difficult.
Signals, sight lines, nearby businesses, roadway design, and vehicle positions may help explain how the collision happened.
Medical visits, work, school, caregiving, and transportation across Martin County can all be affected at once.
Katz & Associates serves clients from 770 SE Indian Street, Suite A-16, Stuart, Florida.
A car accident claim is not one insurance form. It is a connected record of fault, injuries, medical care, income loss, coverage, and the ways the crash affected daily life.
We listen to what happened, identify the policies and parties, review time-sensitive issues, take over appropriate insurer communications, and determine which evidence needs attention.
The record develops through crash evidence, the medical course, wage impact, available coverage, future needs, and the ordinary parts of life the injury made harder.
We present a supported demand, answer fault and value disputes, negotiate from the evidence, and prepare for litigation when the insurer will not evaluate the claim fairly.
Tell us what happened, what hurts, and what the insurance company has asked you to do. We can start by identifying the decisions that need attention now and the ones that should wait for more information.
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.
Your policy
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.
The liability claim
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.
14-day PIP rule
Initial services and care matter for PIP medical benefits.
Modified comparative fault
A party found more than 50% at fault generally cannot recover in covered negligence actions.
General negligence deadline
Florida generally provides two years, but exceptions and shorter notice rules can apply.
The label on the police report does not decide the whole claim. The vehicles, drivers, employers, apps, coverage, and evidence determine what must be investigated.
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.
The civil injury claim is separate from the criminal case and may involve additional evidence.
An employer, owner, contractor, or commercial insurer may share responsibility.
There is no honest online calculator for a personal injury claim. Value depends on the evidence, medical course, fault, insurance, future needs, and how the injury changed your ability to work and live.
A supported claim brings those pieces together without promising an outcome that no lawyer can guarantee.
Health and medical care
Emergency care, follow-up treatment, symptoms, limitations, and future needs supported by the record.
Work and income
Missed time, reduced hours, lost opportunities, and limits on the work you can perform.
Transportation and home
Vehicle loss, replacement transportation, household help, caregiving, and changed routines.
Pain and daily function
Sleep, movement, recreation, relationships, and the ordinary tasks the injury made harder.
Katz & Associates represents injured people from its Stuart office while connecting the car accident claim to the broader medical, insurance, work, and family consequences.
The goal is not to make you learn the insurance system. It is to give you a clear point of contact while the evidence and full loss are built into a claim the insurer must take seriously.
These are the questions that often matter before a statement, release, repair decision, or settlement changes the path of a claim.
You may need to report basic facts, but you do not have to guess about your injuries or give a broad statement just because an adjuster asks. The safest response depends on who is calling, which policy applies, and what information is actually required.
Some symptoms become clearer after the first hours or days. Get appropriate medical care, explain when the symptoms began, and do not minimize a change just because it was not obvious at the scene. PIP’s 14-day rule can also affect medical benefits.
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 to know the right legal terms or have every record in hand. Tell us what happened and what you are dealing with now. We can help you understand what needs attention first and how to move forward.
No attorney fee unless compensation is recovered for you.
For the broader injury picture, including slip-and-fall injuries in Stuart and other preventable harm, see the firm’s Stuart personal injury lawyer page.
For statewide coverage questions and the firm’s full motor-vehicle practice, visit the Florida car accident lawyer page.
If the crash involved a company vehicle or app-based driver, read how commercial vehicle claims and rideshare claims can differ. Nearby Martin County guidance is also available from our Palm City car accident lawyers, Jensen Beach car accident lawyers, and Hobe Sound car accident lawyers.
