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: 5 / 5 stars

VERDICTS & SETTLEMENTS

$1,491,054 Cervical fusion spine surgery

$1,000,000Femur and ankle fractures

$725,000 Lumbar laminectomy and discectomy surgery

$500,000Cervical discectomy surgery

$410,000 Hip fracture with surgery

$315,000 Cervical disc replacement surgery

$290,000 Ulnar nerve surgery

Wrongful death confidential
Settlement 2x policy limits

WILL MY INSURANCE PREMIUMS INCREASE IF I USE MY PIP?

September 04, 2020

A common questions we hear asked is about PIP insurance coverage. Many clients express concern that their insurance rates will go up or their policy will be cancelled if they use their PIP insurance benefits after a car accident. The general answer is that using your PIP insurance benefits should not cause your rates to go up, or your policy to be cancelled.

Florida Personal Injury Protection
Florida Personal Injury Protection (“PIP”) is required by law and can be found in Florida Statutes Section 627.736. The concept behind PIP is based on “no fault” insurance and is designed to pay a majority of your initial medical expenses and other damages after a motor vehicle accident without regard to who is at fault for causing the accident. In particular, PIP pays 80% of your reasonable, related and necessary medical expenses incurred due to an automobile accident. In addition to medical expenses, PIP can also be used to pay:

  • 60% of your lost wages
  • Mileage reimbursement for your travel expenses to and from your doctor
  • Reimbursement for household service

Emergency Medical Condition under Florida PIP Law
Florida’s PIP Statute limits your PIP benefits to $2,500, unless you have been found to have an Emergency Medical Condition (“EMC”). As defined in the statute, an Emergency Medical Condition is a medical condition that requires immediate medical attention, and/or the Emergency Medical Condition could be reasonably expected to result in serious jeopardy or health of the patient. After opening a PIP claim, speak with your medical provider right away about whether your injuries qualify as an Emergency Medical Condition.

Time Limitations for PIP Coverage
Florida law also limits PIP coverage as follows:

  • You must receive medical treatment within fourteen (14) days of the accident to qualify for PIP coverage.
  • PIP covers many types of treatment, including Chiropractics, but will not pay for acupuncture or massage therapy

Will My Car Insurance Rates Go Up?
Again, your insurance rates should not go up if you use your PIP coverage after an accident. There is some consumer protections built into Florida Law that prevent your insurance company from arbitrarily increasing your rates or cancelling your coverage. Florida Statute Section 626.9541 prohibits insurance companies from raising rates or cancelling coverage for improper reasons. The law provides that it is a deceptive or unfair act or practice when an insurance company raises rates or drops a policy holder without a legally valid reason and the insurance company may be subject to civil liability and fines.

Insurance companies can increase rates and cancel policies based on claim and accident history as well as other factors. Insurance companies are in the business of managing risk. Insurance companies will not only review claims history and driving record, but also may utilize formulas that analyze many factors such as your geographic location, traffic conditions, population density, and crime rates. While your rates may go up or your policy may be cancelled after an accident, it likely has nothing to do with your PIP claim.

Do I Need a Personal Injury Attorney?
PIP benefits are limited and only cover the first $10,000 of your accident related medical bills. If you are seriously injured and have suffered damages that exceed the limits of PIP coverage, you may be entitled to recover personal injury damages from the liability insurance policies covering the person and/or vehicle that caused the accident. For more information or for help with your Tampa Bay car accident, please contact Spinner Law Firm – Injury Attorneys. We are standing by to help at (813) 991-5099.

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