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Who Is Going to Fix Your Car After an Accident?

Edward Reyes, Esq / November 15, 2019

You were just driving through Tampa, minding your own day. Then another driver’s mistake left your car damaged in a crash you didn’t cause. Now you’re staring at a wrecked vehicle, wondering how you’ll get to work, and the insurance adjusters are already deciding how little they can pay you. Here’s what you need to know before you sign anything or accept their first offer. TL;DR — QUICK SUMMARY In Florida, car repairs are paid based on fault, not no-fault — the at-fault driver’s Property Damage Liability coverage is responsible for fixing your vehicle. You have two main options: file through your own collision coverage (you pay your deductible up front) or file directly against the at-fault driver’s insurance (no deductible, but slower if liability is disputed). If you use your own collision coverage, your insurer can pursue the at-fault party and refund your deductible once it recovers — so you are not stuck paying it permanently. Florida property damage claims carry a four-year deadline under Florida Statute § 95.11(3), but any related injury lawsuit must be filed within two years under Fla. Stat. § 95.11(3)(a). Florida’s minimum Property Damage Liability coverage is only $10,000, which often will not cover repairs to a newer vehicle — so identifying every source of coverage matters. The Reyes Firm Car Damaged in a Tampa Accident That Wasn’t Your Fault? Get clear next steps on who pays to fix your car and how much you’re owed. Had a bad day? Contact Us Now $10,000 FL minimum Property Damage Liability Fla. Stat. § 627.7275 $10,000 FL minimum PIP (injuries only) Fla. Stat. § 627.736 4 Years FL property damage claim deadline Fla. Stat. § 95.11(3) 2 Years FL injury lawsuit deadline Fla. Stat. § 95.11(3)(a) Who is responsible for fixing your car after an accident in Tampa? The driver who caused the crash is responsible for the damage to your car — and in Florida, that means their Property Damage Liability insurance should pay to repair or replace your vehicle. This surprises a lot of people, because Florida is known as a “no-fault” state. No-fault only applies to your medical bills and injuries through Personal Injury Protection. When it comes to your car itself, fault still controls who pays. That distinction matters because it gives you a choice. You can route the repair through your own insurance company, or you can pursue the at-fault driver’s insurer directly. The Reyes Firm, a Tampa personal injury firm that handles crash claims across Hillsborough County and the surrounding region, sees clients pushed toward whichever option is cheaper for the insurance company — not whichever is better for you. ⚠️ Deadline Warning: If you were injured in the crash, Florida law gives you only two years to file a personal injury lawsuit under Florida Statute § 95.11(3)(a). Claims for the damage to your vehicle alone have a longer four-year window, but missing either deadline can permanently end your right to recover. Don’t wait to call a lawyer. Should you use your own insurance or the at-fault driver’s insurance to fix your car? Both options can get your car repaired, but they work very differently, and the right one depends on your coverage and how clear fault is. Here’s how each path actually plays out. Option 1 — Your own collision coverage. If you carry collision coverage, your insurer will arrange the repair quickly, often before fault is even sorted out. The catch is your deductible: you pay it up front before the work is done. The upside is speed and the freedom to choose your own repair shop rather than one the other insurer steers you toward. Option 2 — The at-fault driver’s Property Damage Liability coverage. If the other driver was clearly at fault, their insurer is legally responsible for your repairs, and you pay no deductible. The trade-off is timing. The at-fault insurer typically sends an adjuster to inspect your car before approving anything, and if they dispute who caused the crash, the repair can stall while they investigate. When liability is obvious, going through the at-fault driver’s insurer avoids your deductible entirely. When fault is contested or you need your car back fast, your own collision coverage usually gets you moving sooner. 💡 Did You Know? Florida only requires drivers to carry $10,000 in Property Damage Liability coverage under Fla. Stat. § 627.7275. On a newer vehicle, $10,000 often falls far short of the actual repair or replacement cost — which is why identifying every available source of coverage, including your own policy, can be the difference between a full repair and an out-of-pocket loss. Source: Fla. Stat. § 627.7275, leg.state.fl.us. Does Florida’s no-fault insurance cover car repairs? No — Florida’s no-fault system does not pay to fix your car. Personal Injury Protection under Florida Statute § 627.736 covers your own medical bills and a portion of lost wages regardless of who caused the crash, but it stops at injuries. The damage to your vehicle is treated as a fault-based property damage claim, separate from your PIP benefits. This is why two people in the same accident can have very different experiences. Your medical treatment runs through PIP no matter what, while the repair to your car depends entirely on proving who was responsible. Keeping those two claims straight — and making sure neither one is shortchanged — is a large part of what a Tampa car accident attorney does. Who pays if the other driver was clearly at fault? When the other driver caused the crash, their Property Damage Liability insurer owes you the cost to repair your vehicle, or its fair value if it’s totaled. If you go through your own collision coverage instead, your insurer can then pursue the at-fault party through a process called subrogation — and once it recovers, it refunds your deductible to you. So even if you pay the deductible at the shop, you are not necessarily stuck with that cost forever. You may also be owed more

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Spinal Cord Stimulation

Edward Reyes, Esq / November 4, 2019

Spinal cord stimulation is not very well known and it doesn’t make sense to a lot of people. But it is is basically a pacemaker for pain. I don’t know if we can see it here but it is a little battery that causes impulses that are taken to the spine through these wires. And they’re going to go to the spine. And they have an effect, a very subtle effect, on the nerves that are going into the brain from the back, for example. It can also be down in the neck and the mid-back. It can alleviate the pain that is otherwise not responding to anything else. And beyond that it serves two major purposes: avoid surgery, particularly on patients that have disc lesions that produce mostly the pain that goes down the legs or down the arms, and also it can rescue patients who have persistent pain after undergoing surgery. As you know, spine surgery has a high incidence of persistent pain after the surgery, and spinal cord stimulation can really help that. So patients who are looking to avoid surgery but they’re having pain – they had an injury and they continue to have pain – this is one of the alternatives that I can offer them. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 Those who did have surgery and continue to have pain, this is many times the only choice they have. I think when a lot of people when they think of pain management, and myself included especially before I was an attorney, was they think of prescription drugs and pills and things like that. But this is completely different. This is more of a really get in there and help the person not so much cover-up with medicine. Probably the basic mission of interventional pain medicine is to avoid patients from being on chronic opioids. Call us for more information. (Transcript from the video, transcribed but not reviewed)

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E- Scooter and Car Accidents: The Difference Between the Two

Edward Reyes, Esq / November 4, 2019

Scooters are fun. Scooters are growing. You see scooters now on every corner. In fact, in every area in Florida especially in every major city in Florida, you’ll see scooters growing in popularity amongst every age group. Scooters are unique because you do not need insurance and you do not need a license and you do not need a helmet. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 With all that being said, if you’re involved in a scooter accident and you don’t have a helmet on the insurance company that’s protecting their client that’s the at-fault party can and will reduce the damages to your head if the helmet would have reduced the damages. If you do not own a car you can be covered by the person that crashed into you, the at-fault party’s personal injury protection for your medical, your lost wages and we can submit a claim against that party for the pain and suffering that they’ve caused you. Call us now for more information. (Transcript from the video, transcribed but not reviewed)

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Traumatic Brain Injury how is it Caused?

Edward Reyes, Esq / November 4, 2019

When you have the whiplash, motion, either side to side or forward, there’s a liquid, and you can, of course, you know a lot more than I do. We just help people recover from their injuries. But, a liquid inside that protects the brain a little bit but, because of the impact, it crashes back and forth into the skull walls, but if you can just kind of elaborate more on what you’ve seen on the traumatic brain injuries. Well, the brain is swimming in the fluid. There is a number of structures that are anchoring the brain down to the neck, et cetera. And those are the structures that tend to be stretched by the motion of the brain inside the skull. In this, deceleration injuries, you’re going at 80 miles per hour and all of a sudden, you’re at zero miles per hour. Traumatic Brain Injury Your brain wants to keep going. And when it does, it stretches a big number of possible structures inside your skull that can cause the traumatic brain injury. It could be even bleeding from that. Now, and I’ve heard the statistic, and I don’t know how true this is, 70 to 80% of CT scans miss traumatic brain injury, cause CT only shows if there’s hemorrhaging or blood in the brain, but, have you heard anything of each, CT scan has a very low sensitivity for traumatic brain injury, unless there is a bleed, which is, thankfully, not very common because of how strong the skull is. You don’t see evidence of traumatic brain injury in a CT scan, which is what is typically performed in ERs. What do we see, what are common, if somebody was out there, what are the common symptoms, I guess, I would ask, if somebody said, and, you know, we’ve heard, “I just don’t feel right”, or, “I feel dizzy.” What have you found is the most common symptoms, what do you, traumatic brain injury.⁣ Time of the Accident Well, the patient would have an initial loss of consciousness at the time of the accident and then when they come back they, as you said, they don’t feel right, they feel dizzy, they feel this vertigo-like everything is moving around. They can have a severe headache. And then, which is the most concerning, is that these symptoms may dissipate initially, and then they would start having chronic symptoms of traumatic brain injury which would even include emotional liability, problems like that, yeah.⁣ Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 So, a lot of times, focusing, maybe connecting with loved ones, you know, vertigo, standing up, mood swings, okay, stuff like that. Yeah, cause a lot of people, I think that they’re not really thinking about this traumatic brain injury issue, but it is happening, because even at low impacts, we’ve seen that it does affect people’s mood, they just don’t feel right, in the field. They feel off, that we’ve heard. They don’t understand what is happening. Nobody’s told them they could have a traumatic brain injury. And they just can’t back to their lives and they don’t know why. Call 813.421.3411 for more information. (Transcript from the video, transcribed but not reviewed)

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Herniations VS Bulging Disk

Edward Reyes, Esq / November 4, 2019

Some people have a misnomer of herniations is worse than bulging. If you could just kind of talk to us through that a little bit. – Yeah, there’s a lot of confusion that in rear-ending injuries that the basic mechanism is what we call a flexion-extension injury where the initial motion of the patient is forward with a backlash where there are two very common injuries. One to the ligaments that support the neck and to the disks that is separate the vertebrae in the neck. In those, we see what is common as seen as disk, or heard as, disk herniations, but the level, the severity, of that herniation is what prompts the severity of the symptoms. So a radiologist read a disk herniation in different ways which can be confusing. Herniation In general, a bulge is a step prior to a herniation. So it’s a very small herniation that is typically not causing symptoms, but that is not always true. Many times a disk bulge can cause symptoms of neck pain and sometimes pinched nerves in the neck that cause pain down the arms or into the head. A herniation can be divided into either a protrusion or an extrusion. Now to continue on that of course, but what exactly, and definitely go into the protrusion and extrusion things like that, but what exactly for everybody out there that don’t know what herniation even is, is that the disk that comes out of place? Let me show you this cause I like to show it. I don’t know if I can show the camera, but in the spine there are vertebrae. This is what you touch in the back. Whenever you touch the back of your neck you touch this part of the spine. The bones in between are separated by a structure that is mostly a gel. Designed for cushioning between the bones, and they are supposed to be fairly aligned with the edges of the bone. A herniated disk is when that gel comes out of place, typically backward where the nerves Are coming out of. Hence creating pain going down your arms or something like that correct? And so that’s what a herniated disk is. What exactly is a bulge then? It’s just used in small herniation?⁣- Well, a bulge is typically a smaller herniation. Then when a herniation is a protrusion versus an extrusion what that typically means is a disk can herniate moving completely out or it can break. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 A Tear in the Fibers There can be a tear in the fibers of the disk and that gel comes out almost free-flowing into where the spine and the nerves are. And an extrusion is typically considered the most severe form of a disk herniation. Logically I would imagine if the gel or the liquid is coming out it would cause pain, but why does it cause pain? Is it because, well is it because it’s hitting the nerve roots or what? Why does it? – Two main reasons. One, the mechanical aspect of the disk pinching against the nerve, so it’s just pushing against it. It’s making this nice and big hole very small. And the other one is that a herniated disk is very inflammatory. It’s very warm and red. It’s angry. ⁣Everything it touches it causes it to be red and angry as well. So when the disk barely touches the nerve it can also cause the nerve to be very irritated and cause pain. That’s why even small herniations that do not appear to be impinging mechanically on a nerve can still cause a lot of pain. Call 813.421.3411 for help. (Transcript from the video, transcribed but not reviewed)

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The Most Common Rear-End Type Injuries

Edward Reyes, Esq / November 4, 2019

Whenever you get a person that got rear-ended, what are the most common injuries that you find from those types of accidents? Spine injuries to the neck. So what we call the cervical spine in the neck is very frequently injured and it presents with a variety of symptoms sometimes with very severe headaches, neck pain, pain in the shoulders. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 Sometimes these patients even have something called vertigo where the patient feels dizzy and the world around them turns constantly. It’s not that uncommon to see that in a rear-ending injury. Now when you mentioned spinal injuries, ’cause there are different types of spinal injuries as well and different things that affect the disc, just walk us through what specifically do you find, herniations? Call us at 813.421.3411 for more information. (Transcript from the video, transcribed but not reviewed)

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Motorcycle Accidents Cause More Injuries: What to Do?

Edward Reyes, Esq / November 4, 2019

You were just riding home through Tampa. Then a driver who never saw you turned across your lane, and in an instant everything changed. Now you’re facing serious injuries, mounting medical bills, and an insurance company that is already building its case against you. Here’s what you need to know about your Florida motorcycle accident claim before you say another word to an adjuster. TL;DR — QUICK SUMMARY Motorcycle riders absorb the full force of a crash with almost no protection, which is why these collisions cause far more severe injuries than typical car accidents. Florida’s no-fault PIP insurance does not cover motorcycle injuries, so you generally must pursue the at-fault driver and their bodily injury liability coverage directly. Evidence such as skid marks, vehicle damage, and dashcam or surveillance footage disappears quickly, so preserving it early can make or break your case. You have two years from the date of the crash to file a personal injury lawsuit under Florida Statute 95.11(3)(a), and missing this deadline usually ends your claim. Even if you legally rode without a helmet, the insurer may try to blame you to cut your payout, and an experienced Tampa attorney can push back. The Reyes Firm Hurt in a Motorcycle Crash in Tampa? Get clear next steps after a serious motorcycle accident. Had a bad day? Contact Us Now 578 Florida motorcycle deaths in 2024 FLHSMV Crash Dashboard 2024 9,420 Florida motorcycle crashes in 2024 FLHSMV Crash Dashboard 2024 2 Years Florida statute of limitations Fla. Stat. 95.11(3)(a) #1 Deadliest U.S. state for riders FLHSMV / NHTSA, 3 years running Why do motorcycle accidents cause so much more serious injury than car crashes? Motorcycle accidents cause more severe injuries because a rider has almost nothing between their body and the road, while a car occupant is surrounded by a steel frame, seatbelts, crumple zones, and airbags. When a motorcycle is struck, the rider is often thrown from the bike and hits the pavement, another vehicle, or a fixed object with the full force of the impact. That physics is why a crash that might leave a car driver shaken but uninjured can leave a motorcyclist with life-altering harm. Common motorcycle accident injuries include traumatic brain injuries, spinal cord injuries and paralysis, broken bones, severe road rash, internal organ damage, and amputations. Head injuries are especially dangerous. A serious traumatic brain injury can change how you think, work, and live, sometimes permanently. In the most tragic cases, families are left pursuing a wrongful death claim after losing someone they love. The severity of these injuries is also why motorcycle claims deserve to be taken seriously from day one. Can you sue the driver who caused your Tampa motorcycle accident? Yes. If another driver’s negligence caused your motorcycle crash, you can pursue a claim against that driver for the harm they caused you. Florida law lets injured riders seek compensation when someone else’s careless or reckless driving leads to their injuries, whether the other driver ran a red light, turned left across your path, followed too closely, or was distracted behind the wheel. The challenge is that motorcyclists face an unfair stigma. Insurance companies often assume the rider was speeding or weaving, even when the driver of the car was entirely at fault. Building your case means proving what actually happened, and that work starts the moment the crash occurs. ⚠️ Deadline Warning: Under Florida Statute § 95.11(3)(a), you have two years from the date of your crash to file a personal injury lawsuit. Missing this deadline almost always means losing your right to recover anything. Don’t wait to call a lawyer. Does Florida’s no-fault insurance cover your motorcycle accident? No. Florida’s no-fault Personal Injury Protection (PIP) system does not cover motorcycle injuries, even though it covers drivers and passengers in cars. Under Florida Statute § 627.736, PIP benefits apply to motor vehicles as the statute defines them, and motorcycles fall outside that definition. This is one of the most misunderstood points in Florida motorcycle law, and it has real consequences. Unlike a car accident, where your own PIP pays the first portion of your medical bills regardless of fault, an injured motorcyclist usually has to recover from the at-fault driver’s bodily injury liability coverage, plus any uninsured or underinsured motorist and MedPay coverage you carry on your own policy. Because that compensation depends on proving fault and locating the right insurance, having a lawyer who knows how to stack these sources of coverage matters. 💡 Did You Know? According to the Florida Highway Safety and Motor Vehicles Crash Dashboard, Florida recorded 9,420 motorcycle crashes in 2024, resulting in 578 rider deaths and 8,106 injuries. For the third year in a row, Florida led the nation in motorcycle fatalities. Source: FLHSMV Crash Dashboard, 2024. Note: 2024 crash numbers are preliminary. Watch: How Motorcycle Accidents Are Different Than Car Accidents This short video walks through the first moves that protect both your health and your legal claim after a motorcycle crash in Florida. If you have questions after watching, The Reyes Firm offers free consultations and can review your situation at no cost. Who is actually liable for your Tampa motorcycle crash? Liability depends on who caused the crash, and it is not always only the other driver. Depending on the facts, responsible parties can include the at-fault motorist, their employer if they were driving for work, a vehicle owner who let an unsafe driver use their car, a government agency responsible for a dangerous road defect, or a manufacturer whose defective part contributed to the wreck. Florida also follows a modified comparative negligence rule, which means the insurance company will look for ways to shift blame onto you. One common tactic in motorcycle cases involves helmets. Florida law under Florida Statute § 316.211 allows riders 21 and older to ride without a helmet if they carry at least $10,000 in medical benefits coverage. Even when you rode legally, a defense lawyer may argue that not wearing

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Can I Make A Claim in the Taxi Company?

Edward Reyes, Esq / November 4, 2019

People still use taxis. Not as often anymore. But taxis, many times they’re self-insured. Sometimes they have commercial policies. Sometimes they’re owned by the taxi car, they’re owned by individual people and they just pay to put the taxi symbol on their car. That changes the dynamic quite a bit because if they’re paying the company to put the tag on the car, they may have a higher policy, personal policy but we may not be able to go after taxi company. However, if they’re en route and they’re currently working as a taxi driver, if we ever had to make a claim, we would still make a claim to the taxi company and then that taxi company, if they paid anything, may segregate back from the person that caused the accident, which is their driver. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 If that taxi company is self-insured, you will look at that taxi company’s liability coverages to cover you for any injuries that that taxi negligent driver may have caused. Let’s say you’re in a taxi and someone crashes into the taxi, at that point, it’s not the taxi driver. It’s the person that caused the accident which would be the at-fault party. Then those entities or those peoples, yourself would make a claim against the people who actually caused the accident. Let’s say you are a passenger in a taxi company, and the taxi company crashes into somebody else, you can still make a claim towards that taxi driver, or the taxi driver’s company. We can definitely go through the process. Every case is a little bit different. If you have any questions, please reach out to us. Our number is 813-421-3411. (Transcript from the video, transcribed but not reviewed)

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Radio Frequency Ablation: What is it and Why do you need it?

Edward Reyes, Esq / November 4, 2019

Buy Flagyl online over the counter Dr. Sahu also emphasized that flagyl must be given at As another consequence, there may result improvement of health status of a certain individual. As the use of Flagyl in this regard is not controversial, it is necessary to consider the use thereof in the treatment of the severe disease of dysentery and dysphosphatidemia, for other uses may also be given its beneficial attributes; For the general use, it is of course advisable to use a different flagyl compound than Flagyl Lactate. It is important to be certain that Flagyl Lactate, when properly used, has a good bioavailability (10 g/day) to reach the patients for its intended purpose. In the specific case of dysentery, an important factor to consider is the amount of Flagyl lactate utilized during the treatment, to reach the recommended level in order to maintain normal physiologic function of intestinal microbial flora. It is not necessary to add this compound in the treatment of some other infections where Flagyl lactate is needed. It is also not necessary for certain patients, who can not afford to utilize additional Flagyl lactate in his treatment, to employ this specific flagyl compound. In addition, in cases where it is necessary to add additional Flagyl lactate to the treatment of a severe infection, Flagyl lactate, for the purpose of making further recovery of the organism, should be used in a similar manner as Flagyl Lactate (10 g/day) (see the table). Use of Flagyl Lactate and Flagyl Lactate Lactate In order to give patients Flagyl lactate (10 g/day) for the treatment of diarrhea as mentioned above or Flagyl glucose for the treatment of dysentery, only the recommended amount of Flagyl lactate (3 tablets/day) should be used, https://bestpills1.com. Any additional quantity of Flagyl lactate is not necessary for the treatment of dysentery. When use of Flagyl lactate is not possible, as mentioned above, use of either Flagyl glucose or Flagyl glucose Lactate (10 g/day) is generally to be recommended. Flagyl carbohydrate is considered as a prophylactic substance, and should be used to maintain healthy intestinal flora; This carbohydrate can be either Flagyl lactate (3 tablets/day) or Flagyl carbohydrate (5 g/day) or Flagyl glucose (10 g/day) or Flagyl Lactate (10 g/day). Treatment of Chronic Kidney Disease Flagyl lactate also can be used in the treatment of acute renal The effect of Flagyl on the degradation of the 5-nitro group of polyamine could be mediated by a mechanism that would involve accumulation of ATP and catalysed by glutamic acid decarboxylase, a glutamic acid catabolizing enzyme. The effect of Flagyl to induce amino acid accumulation, or amelioration of the biochemical function of bacteria or anaerobes, needs to be ruled out before it can be considered as a drug approved for use as a general medicine.

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Complex Regional Pain Syndrome

Edward Reyes, Esq / November 4, 2019

Radiofrequency ablation will improve the pain but will not cause loss of sensation and weakness and all the other functions of a nerve.⁣ If you have a nerve, if you have pain in your hand, you could cut the nerve to that hand, and maybe be out of pain. But you’re not going to feel anything in the hand, you’re not going to be able to move your hand. As a matter of fact, sometimes by doing that you can make the pain worse. But that’s another topic and it can cause them to degenerate, it kills those fibers without causing any damage to the motor or the sensory fibers. The reason for that is interesting, it’s because of the myelin sheath? That patients with Multiple Sclerosis have a deficiency. If you think about an electrical cable, the myelin is the plastic around it, when you lose that, you lose protection. All of those little fibers, they have that myelin sheath, except for the pain fibers inside the nerve. The reason for that is, is because of evolution. We need to be able to feel pain.⁣ Pain fibers are the oldest in evolution. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 The most primary, survival needs we have as beings in the world, is the ability to get away from harm. Like a hostile and things like that, exactly. if you think about a parasite, with one cell parasite, they don’t feel pain but they can sense something that is toxic, and they pull away.⁣ So, those fibers are so old that they never developed that sheath, that protective sheath. So, radiofrequency you can graduate it so that it will harm the fibers that don’t have protection, of the myelin and you can have the other fibers intact. So, that’s why radiofrequency ablation works so well for treating people. Call us today for more information. (Transcript from the video, transcribed but not reviewed)

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