Personal Injury

Geiger Law represents injured people in Flagler County and across Florida. We handle the claim end to end — the investigation, the medical records, the lien negotiation, the adjuster — so that you can concentrate on getting better.

Zachary Von Roenn, Of Counsel to the firm, began his career clerking for an insurance defense firm, watching from the inside how carriers build a case to discredit an injury claim. He has spent the fifteen years since using that knowledge on the other side of the table.

Florida's no-fault system, and its limits

Florida requires drivers to carry Personal Injury Protection (PIP), which pays 80% of medical expenses and 60% of lost wages up to a $10,000 limit, regardless of who caused the crash. Two things about PIP catch people out:

• The 14-day rule. You must seek initial medical treatment within 14 days of the crash, or PIP will not pay at all. Not "when the pain gets worse" — 14 days.
• The $10,000 ceiling. And it is only $2,500 unless a qualified provider diagnoses an emergency medical condition. A single MRI and a course of physical therapy will exhaust it.

To recover beyond PIP — pain and suffering, the balance of your medical bills, future care, lost earning capacity — you must show a permanent injury under Florida's threshold. That is a medical question, and it is one reason the doctors you see early matter.

The deadline

For crashes occurring on or after March 24, 2023, Florida's statute of limitations for most negligence claims is two years from the date of the incident, cut down from four. Wrongful death claims are two years. Claims against a government entity carry their own, shorter, notice requirements. Missing the deadline ends the claim no matter how strong it was.

What we do

We preserve the evidence while it still exists — scene photographs, vehicle damage, black box data, surveillance footage that businesses overwrite in days. We collect the medical records and bills, retain the experts a case needs, calculate the full economic loss, and negotiate the medical liens that otherwise eat a settlement. If the carrier will not deal fairly, we file suit.