Charles S. Spinner, Esq. - Spinner law Firm Spinner Law Firm - Personal Injury Attorney Tampa | New Tampa FL | Personal Injury Lawyer Land O' Lakes - Personal Injury Attorney Wesley Chapel - Personal Injury Attorney Pasco County - Personal Injury Attorney San Antonio - Personal Injury Attorney Temple Terrace - Personal Injury Attorney Citrus Park - Personal Injury Attorney Riverview Near Ruskin - Auto Accidents Attorney Dade City - Auto Accidents Attorney Zephyrhills
2418 Cypress Glen Drive, Wesley Chapel, FL 33544
Florida, 2418 Cypress Glen Drive, Wesley Chapel, FL 33544 Florida
Charles S. Spinner, Esq. - Spinner law Firm
Spinner Law Firm - Personal Injury Attorney Tampa | New Tampa FL | Personal Injury Lawyer Land O' Lakes - Personal Injury Attorney Wesley Chapel - Personal Injury Attorney Pasco County - Personal Injury Attorney San Antonio - Personal Injury Attorney Temple Terrace - Personal Injury Attorney Citrus Park - Personal Injury Attorney Riverview Near Ruskin - Auto Accidents Attorney Dade City - Auto Accidents Attorney Zephyrhills When you get into an accident it can be super stressful and turn your whole world upside down. In the matter of moments the life you once knew could be changed. This happened to me and this whole process was made easier because I was with the best law firm in town, Spinner Law Firm. They kept in contact with me, explained everything where I could understand it, and I was very satisfied with the outcome. If it wasn't for them I would have ended up in a bad place, stuck paying for medical bills that originated from something that was not my fault. Thank you again for everything you and your staff did for me. I will be forever grateful. Fortunately for me, I have known Charlie Spinner and Anissa Morris for several years. They have always been very well respected in our community. I really never dreamed that I would need the guidance of a personal injury attorney until a few years ago, however, when I did, I knew that I would get the personal attention from two of the BEST! Their staff, Gena, Vicki and Mary Margaret, were simply amazing. In this law firm you felt like you were a part of a close knit family. They were always there to answer questions and concerns that I might have.I would highly recommend this firm to anyone who needs the help of a personal injury attorney and even estate planning. They are highly versed in both specialties. If you want the personal professional attention that you deserve, this firm is where you want to put your trust! I couldn't have been more satisfied!!! Very professional and attentive to their clients! The Spinner firm did a great job. If you need help navigating insurance and a friend in your corner this is the place. Charles Spinner Law Firm my and staff dedicated themselves to my case from beginning till the very end. I want to especially thank Charles for his patients and professionalism and giving direction and pointers throughout my mediation and Litigation. Thank you Vicki for being a great friend and you really touched my heart after my surgery when you sent me flowers. God bless all of you! Charles Spinner and his Staff did a wonderful job with my accident case. They were professional, attentive and thorough. I couldn't be more pleased and I would recommend them to anyone. Thank you Charlie and Staff! Charles Spinner and his staff handled my case in a very professional manner and I would like to say 'thank you' to everyone there! I am thrilled that my case had been settled in such a timely manner. I will highly recommend the Spinner Law Firm to my friends and colleges. My friend told me bout Injury Attorney Wesley Chapel Florida. I went there. They deal with me very friendly. I will recommend them. I was very worried about my case, my friend told me about Injury Attorney Wesley Chapel Florida. They have skilled professional and also great sense of humor. They solved my case with honestly. The people at Spinner Law Firm are professionals. They handled by accident case with care and professionalism. Glad i chose to go with them. I am quite fortunately to have looked such a wonderful at spinner law firm that has gone out of their way to continue to represent me even without insurance and being laid off at the time of my injury. I am quite fortunately to have looked such a wonderful at spinner law firm that has gone out of their way to continue to represent me even without insurance and being laid off at the time of my injury. Charles Spinner and his staff handled my case in a very professional manner and I would like to say 'thank you' to everyone there! I am thrilled that my case had been settled in such a timely manner. I will highly recommend the Spinner Law Firm to my friends and colleges. My friend told me bout Injury Attorney Wesley Chapel Florida. I went there. They deal with me very friendly. I will recommend them. I was very worried about my case, my friend told me about Injury Attorney Wesley Chapel Florida. They have skilled professional and also great sense of humor. They solved my case with honestly. My friend told me bout Injury Attorney Wesley Chapel Florida. I went there. They deal with me very friendly. I will recommend them. I was very worried about my case, my friend told me about Injury Attorney Wesley Chapel Florida. They have skilled professional and also great sense of humor. They solved my case with honestly.
Rating: 4 / 5 stars

Understanding Health Insurance Subrogation

August 13, 2013

Even though Florida’s PIP statute provides that the first $10,000 of your medical treatment is covered by your Personal Injury Protection coverage, there are many instances where the need for ongoing treatment results in the payment of medical bills by your health insurance carrier. Although your injuries may have resulted solely due to someone else’s negligence, your health insurance carrier may have a right of reimbursement (“subrogation”) from any money you may recover from the negligent party in a personal injury case.

Your health insurance carrier has an obligation to pay for medical treatment covered under the plan even if the treat is accident related. However, whether your health insurance carrier has a right of reimbursement is based on the specific terms of your health insurance policy/plan. Florida law provides that minimally, a health insurance carrier must reduce its claim for reimbursement at least by the pro-rata share of costs and attorneys’ fees incurred by the personal injury claimant in its effort to make the recovery. In other words, the health-insurance company entitled to reimbursement must discount the amount owed by the same percentage of the recovery/judgment that went towards attorney’s costs and fees.

Beyond that, there are various other factors that may determine how much, if at all, your health insurer is entitled to be re-paid.

In many cases, your health insurance carrier is willing to accept a reduced amount and we may be able to negotiate these reductions on your behalf. The health insurance carrier may take into account such issues as comparative liability between the Plaintiff and the Defendant, sufficiency of bodily injury coverage limits, existence of additional liens and/or claims for subrogation, and any other factor that may limit the Plaintiff’s recovery. Moreover, Uninsured/Underinsured Motorist claims are not typically subject to subrogation. If the insurance company will not agree to reduce/eliminate its claim for reimbursement, a “Declaratory Action” can be commenced whereupon a Judge will apportion the settlement.

Part of our firm’s job as your Tampa Bay personal injury attorney is to negotiate these claims for reimbursement as much as possible. This may include reviewing your health insurance policy to determine what exactly is reimbursable, and reviewing the payout ledger to make sure it includes only services related to the auto accident. Please call (813) 991-5099 of email personal injury attorney Charles Spinner, Jr. at cspinner@spinnerlawfirm.com for help with your health insurance issue.

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