Florida law requires Personal Injury Protection (PIP) and Property Damage Coverage (PD). Your insurance company will pay for your medical expenses from the accident, less any deductible, and for property damage to others.The law does not require Bodily Injury Coverage (BI) which provides coverage for pain and suffering of another when you are at fault. Without it, your medical expenses, lost wages and property damages can only come from the claim against the insurance company. Most attorneys will not accept a case unless BI coverage exists.Uninsured/Underinsured Motorist Coverage (UM) will pay for your pain and suffering in the event that the negligent driver does not have BI.Most personal injury lawyers work on a contingency fee basis. This means that there is only a charge for services if a settlement is received. The usual fee is 40 percent if a lawsuit is filed and one third if not. You should consult with an attorney as soon as possible after the accident so attorney can work with you in establishing your case and protecting your rights. Always tell your attorney the truth. It is easier to work with your case if the lawyer knows all of the facts.The Law Firm of Panter, Panter & Sampedro, P.A. handles all types of personal injury and wrongful death cases including medical malpractice, products liability premises liability negligence cases including construction accidents and cases involving negligent security. Brett Panter is known, for his successful jury verdict of more than $7 million in West V. AlamO Rent a Car Company. Mitchell Panter recently argued in the Florida Supreme Court on a products liability case which resulted in a verdict for their client In. the amount of $1.7 million. Call. Panter, Panter & Sampedro, P.A. at 305-662-6178 or:1-8OO-PANTER 5.