Due to Florida’s no-fault rules regarding car insurance, registered drivers are expected first to seek compensation for their injury expenses through their personal injury protection (PIP) insurance policy. However, if they incur an injury that meets the state’s serious injury threshold, as explained in Florida State Statute §627.737, they can bypass the PIP claims process and instead seek compensation through the at-fault party’s liability insurance policy. An experienced Cocoa Beach car accident lawyer from Andrew Pickett Law can help with this process.

Your Personal Injury Protection (PIP) Policy

Those who register their vehicles in Florida are required to obtain a PIP policy to cover expenses related to injuries they’ve sustained in a car accident, regardless of who was at fault. This policy can provide 80 percent of medical expenses and 60 percent of lost wages related to the injury, up to the policy’s limit. Drivers must have a policy that provides at least $10,000 in coverage.

If the injury was caused by someone else’s negligence, the expenses exceed the limits of their PIP policy, or they meet the state’s serious injury threshold, the claimant can seek compensation from the at-fault party’s liability insurance policy. The types of injuries that meet the state’s serious injury threshold include:

• Permanent and significant loss of an essential bodily function
• A permanent injury within a reasonable degree of medical probability
• Permanent and significant scarring or disfigurement
• Death

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When You Need More Compensation than PIP Provides

When coverage from your PIP policy runs out or in cases of a serious injury, the claimant can seek compensation through Florida’s personal injury claims process. This process generally involves the claimant — with an experienced car accident attorney in Cocoa Beach – first seeking compensation for their claim by sending a demand to the at-fault party’s insurance provider. The insurance provider can then analyze the claim and accompanying documentation, conduct interviews of the parties involved, and determine whether to accept the demand as submitted, deny it, or offer an out-of-court settlement for less than the claim’s full value.

The value of the claim is based on several factors, including the amount of insurance the at-fault party has, the severity of their injury, and the expenses and impacts they have already incurred and will likely incur in the future due to their injury. It is not unusual for early settlement offers from the insurance provider to be far below this stated value. The claimant’s attorney can negotiate with the provider to garner an offer that fairly compensates them for the expenses and impacts of their injury.

If the insurance provider fails to fairly compensate the injury through an accepted demand or a negotiated settlement, the claimant’s attorney can file the case as a personal injury lawsuit. This is a legal claim filed in civil court so that a judge or jury can determine liability and compensation.

Proving Who Is Liable for Compensating Your Injuries

To receive compensation for your injuries, a Cocoa Beach car accident lawyer can help you to prove liability. Liability is proven by showing that:

• The at-fault party had a duty to take reasonable actions to prevent injury or property damage when operating their vehicle on a public roadway. Reasonable actions include operating the vehicle safely and legally.
• There was a breach of this duty when the at-fault party took unsafe or illegal actions while operating their motor vehicle on the roadway.
• This breach resulted in the accident in which the claimant was injured.

The Expenses and Impacts You Can Be Compensated For

In addition to providing who was liable for the accident resulting in injury, Cocoa Beach car accident claimants must also show how the injury impacted their finances and day-to-day lives. Here is a look at some of the compensation that can be sought through the Florida personal injury claims process.

Medical Expenses

Florida car accident claimants can seek compensation for medical expenses such as:

• Emergency treatment
• Ambulance transport
• Hospitalization
• Surgical services
• Prescription medication
• Medical supplies, assistive devices such as crutches, physical therapy, and rehabilitation

Additionally, if there are disabilities that have been incurred as a result of the injury, compensation can be sought for hiring someone to provide assistance with personal tasks, as well as long-term care and modifications to the home that are necessary to accommodate the injury.

Wage Loss

Claimants can seek the value of wages, benefits, and other earnings that were lost while they were too injured to work, as well as the value of future earnings if their injury prevents them from being able to achieve the same earning capacity as they did before their injury.

Property Damage

If the claimant’s vehicle was damaged due to an accident caused by someone else’s negligence, they could seek compensation to cover the cost of repairing or replacing it.

Pain and Suffering

In addition to compensating out-of-pocket expenses such as those listed above, Cocoa beach car accident claimants can also seek compensation for their injury’s impacts on their lives, including physical pain and suffering, emotional distress, and loss the enjoyment of life.

Contact a Car Accident Lawyer in Cocoa Beach Today

Car accident attorneys provide experience with the process and an understanding of both the laws governing traffic and the needs of those who car accidents have seriously injured. We treat every claim as though it is going to trial and strive to provide the clear and prompt communication necessary to have a positive outcome for a claim. 

Let an experienced Cocoa Beach car accident attorney from Andrew Pickett Law help you understand the process of seeking compensation for the injuries you incurred in a car accident. Contact us for a free case evaluation.

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Greg Guiles

I had an excellent experience with Andrew Pickett Law and especially with their paralegal, Lindsey Pike for my personal injury case. Lindsey was incredibly informative and took the time to thoroughly explain the litigation process to me, which made navigating everything so much easier. She was patient, responsive, and always made sure I felt supported throughout the case. I truly appreciated her guidance and professionalism. I would highly recommend Andrew Pickett Law anyone seeking legal assistance.

Eric Edgerton

Lindsey Pike is AMAZING!!!

Susan Begley

I have know Linsey Pike for several years and she has been such a strong support. She listens, she is access quickly and accurately and she has has a strong knowledge base. When she doesn’t have an answer she finds one. With integrity, kindness, and vigor, she pursues justice. ,

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steve alukonis

Andrew Pickett Law firm is the best. He has a great group of attorneys and paralegals who go above and beyond for there clients. I have personally worked with Tiffany Whitehouse and she is what they call perfection! I like that she stays in contact with the client and answers every question to the best of her ability and if she doesn’t know, she finds out the answer and gets right back to you. She is definitely an asset to this law firm. All around, great law firm and would definitely recommend them.

Hailey Tongue

This law firm is the best! Tiffany Whitehouse is absolutely amazing!! My dad was involved in a very bad car accident and from the beginning of the process, Tiffany has been top notch! She has kept in contact the entire process keeping us informed of everything that she is doing along the way! She even went to visit my dad in the rehab facility! She is absolutely amazing and I can’t thank her and the entire team at Andy Pickett law!!

amber rutgerson

My experience with Pickett’s Litigation Paralegal, Lindsey Pike was top notch!! She remained calm, organized and had all the answers to every question I had!! Thank you Lindsey!!!

Response from the owner: Thank you, Amber!

Lindsey Pike

Phenomenal law firm! They care about their clients and their results!

Response from the owner: Thank you, Lindsey!! We appreciate the kind words.

Alan Woolwich

My recent experiences with the Andrew Pickett Law firm where top flight in handling my automobile accident where I was hit from behind by a under-insured driver and received related injuries and vehicle damage. Attorney Jessica Hicks and the entire Pickett Law team in Melbourne, FL did an excellent job from the first consultation call to the final settlement results with very favorable outcomes in restoring my health, property and compensation. The team provided excellent and timely coordination, guidance, preparation and advice throughout legal process with a balanced application of phone calls, texts and emails and were always available, responsive, professional and friendly. The coordination and negotiations with my multiple medical providers and insurer by Attorney Jessica Hicks was impressive and impactful. If you are involved in an accident in Brevard County Andrew Pickett Law and team will deliver results and I would recommend they be your first consultation call.

Response from the owner: Thank you for the kind review, Alan!

Maria Mendelson

I highly recommend Andrew Pickett and his team. They handled my accident case with professionalism, knowledge, and care. They were always available to answer my questions and kept me informed throughout the entire process. Their dedication and expertise made a stressful situation much easier to navigate. I’m very grateful for their support and the positive outcome they achieved for me.

Response from the owner: It was a pleasure to represent you, Maria! Thanks for taking the time to write a nice 5-star review.

Meredith Sand

I had a great experience working with Jessica Hicks. Professional, efficient and very knowledgeable. Great results, would highly recommend.

Response from the owner: Thank you for the kind words, Meredith!

Joshua Cason

I had an outstanding experience with Pickett Law. Attorney Jessica Hicks and the Pickett Law team did an incredible job on my trip and fall case. From the first phone call with Jessica and Andrew Picket, I knew I was in good hands. Jessica Hicks is an incredible advocate, she is prepared thorough, and will go the extra mile. The entire staff truly care about their clients, they are so knowledgable and answered any questions I had throughout the case. I am so blessed to have the best team represent me. Thank you: Jessica Hicks, Jeremie, Tina, Kimberly, Vonda, Jenny, Andrew, and the entire Pickett Law Team!!

Response from the owner: Josh, what a great review! Thanks for trusting us to assist you with your case. Please let us know if we can ever be of service in the future.

Victoria Wasinger

Jessica Hicks is an outstanding attorney. She is extremely knowledgeable, effective in the courtroom and made me feel at ease. You’re in good hands with Jessica and this law firm.

Response from the owner: What a great review, Victoria! Thank you!

Matthew Wasinger

Jessica Hicks is my go to for anything Personal Injury related. She is organized, well prepared, attentive to her client's needs, and she is not afraid to take a case to trial. If you want an attorney that will fight for you and protect your legal rights, she is the best there is.

Response from the owner: Thank you, Matthew!

David Z

I’m not sure I’d still be here today without Jessica Hicks. Thank you Andrew Pickett Law!

Response from the owner: Thanks, David! We appreciate your kind words.

Malaina Brow

i highly recommend JESSICA HICKS she is and outstanding attorney and has done wonders for my case, i can't thank her enough for all her hard work and dedication. she has put in the time to help me, very caring and gets the job done million stars...

Response from the owner: Thank you for the kind words, Malaina!

Mandy Brown

I would highly recommend Jessica Hicks as a great attorney. She walked me through everything with a piece of mind and made me feel at ease. Very compassionate and excellent communication. Helping me understand step by step what was happening with my situation. Very grateful for her

Response from the owner: Glad we could help, Mandy! Thanks for trusting us.

Jason Bucci

"I cannot recommend Andrew Pickett Law highly enough! After my car accident, I was overwhelmed w/ medical bills, insurance calls, and tons of stress. From the moment I reached out to them; their team treated me with care, professionalism, and respect. They explained every step of the legal process in clear terms, kept me informed, and fought tirelessly to settle my case.Their expertise and attention to detail were apparent throughout the case, and they truly made me feel like a priority. Thanks to their hard work, I was able to focus on my recovery while they handled the legal issues. If you're looking for a knowledgeable, compassionate, and dedicated legal team I strongly recommend Andrew Pickett Law.

Response from the owner: Thank you, Jason!

Fallon Klenotich

I had an amazing experience with Andrew Pickett Law. I was always receiving calls, messages and emails with any updates to the case or questions they had for me. Their availability to answer my calls and questions was flexible and respectful. I would highly suggest this law firm for any person who has experienced injury from an automobile accident and is seeking further assistance legally. This office makes sure you are informed and well taken care of.

Response from the owner: Fallon, thank you! I am happy we were able to meet your expectations.

Dayna Rivera

Andrew Pickett Law and their team of attorneys are exceptional. Mr. Pickett is knowledgeable, courteous, and dedicated. A consummate professional. As an attorney, I’ve had the pleasure of working alongside Ms. Hicks and Ms. Whitehouse and their trial experience and negotiation skills are outstanding. What an amazing team!

Response from the owner: Thank you, Dayna! What a great review.

Daniel Thillet

It's hands down one of the best personal injury firms I’ve ever seen! I referred my brother to this firm, and he continues to tell me how communicative and diligent Jessica Hicks and Tiffany Whitehouse are in getting him the best outcome!

Response from the owner: Thanks, Daniel! We appreciate you.

Taylor McDermid

Review for Jessica Hicks and Tiffany WhitehouseJessica Hicks and Tiffany Whitehouse are exceptional personal injury attorneys who truly stand out for their attention to detail and genuine care for their clients. From the very beginning, they go above and beyond to ensure every aspect of your case is meticulously handled. They take the time to understand your unique circumstances, patiently answer all your questions, and keep you informed throughout the process.What sets them apart is their heartfelt dedication to their clients. You can tell that they genuinely care—not just about winning cases, but about helping people rebuild their lives after difficult situations. Jessica and Tiffany are compassionate, responsive, and fiercely advocate for the best possible outcome.If you’re looking for attorneys who combine legal expertise with a personal touch, Jessica Hicks and Tiffany Whitehouse are the team you want on your side. Highly recommended!

Response from the owner: Thank you, Taylor!

Frankie Vitiello

I cannot say enough positive things about Andrew Pickett Law and their incredible team of attorneys. Jessica Hicks and Tiffany Whitehouse bring an exceptional level of professionalism, skill, and care to every case they handle. Jessica’s extensive trial experience is evident in her strategic approach and dedication to achieving justice, while Tiffany’s unique combination of legal expertise and medical knowledge provides invaluable insight for personal injury cases.What truly distinguishes this firm is its unwavering commitment to justice and client care. From the first consultation, you are met with clear communication, thoughtful strategy, and a team that treats your case with the gravity and diligence it deserves. If you are seeking tireless advocates who blend compassion with formidable expertise, Andrew Pickett Law is the firm to trust.

Response from the owner: Thanks, Frankie! We appreciate you!

Zak Kolo

Tiffany Whitehouse & Jessica Hicks are some of the most talented and driven individuals you will ever have the pleasure of working with. Their professionalism and kindness goes beyond and is a weight off your shoulders.

Response from the owner: Thanks, Zak!

Jordan Kolodziejczak

Tiffany Whitehouse and Jessica Hicks are AMAZING attorneys who have dedicated their careers to helping people in need. There work at Pickett is a shining example of this the way they fight for their clients (even getting better results than some of the bigger firms in the area)

Response from the owner: Thanks, Jordan! We appreciate your kind words and support!

Tierra Johnson

10000000/10 Very professional and very respectful. My case moved very quickly and Vonda, Tina and Tiffany kept me in the loop with every step of the process. I am more than pleased with the outcome and would recommend Pickett Law to ALL my family, friends and acquaintances. Thank you !!!

Response from the owner: Thank you, Tierra! We are honored by your trust in us.

Rebecca Collura

If you are reading this you may have been in a car accident which I am sure has disrupted your life as it did mine. Dealing with your insurance company will be impossible and their goal is to give you the least amount of money possible regardless of your injuries. It is a slow process and you have to be patient. Andrew Pickett will work extremely hard to get you enough money to take care of past and potential future expenses. He is extremely good at what he does and his support staff are attentive and responsive as well. Personally I wouldn't be a number at one of those big firms that advertise on TV. Andrew was completely involved in my case and took great care of me. Stay strong, I pray the pain will lessen for you, and let Andrew fight for you!

Response from the owner: Thank you, Rebecca! What a thoughtful review. It was an honor to represent you.

Sandra Musgrave

The entire team is amazing. Andrew and his team worked hard to get the best outcome for our case. I am very happy with our decisions to hire him after our accident.

Response from the owner: Thank you for trusting us, Sandra! It was an honor to represent you and your family.

Joseph Grant

Andrew and his team were professional and helped me through every step of the way. They made sure I was comfortable and understood the entire process. I would strongly recommend them to anyone!

Response from the owner: Thank you, Joe! I’m happy that we were able to reach a favorable resolution.

Ashley Severance

Mr. Pickett is a fantastic personal injury attorney who has represented several of my own clients in various injury matters. He has obtained very favorable results for my clients. He is responsive, attentive, and detail oriented. I highly recommend his services.

Response from the owner: Thank you for the 5-star review, Ashley! We are honored to receive referrals from you.

Kimberly Marconi

I worked with Jessica Hicks after I was hit by another driver. She worked diligently, professionally, and exhaustively on my case which resulted in compensation. Jessica Hicks is by far one of the most caring, qualified, and knowledgeable lawyers in Brevard County and the state of Florida. I highly recommend Jessica for her skill, expertise, and exemplary service. You will not be disappointed in choosing her as your lawyer. Thank you, Jessica.

Response from the owner: Thank you for the kind review, Kimberly! I am pleased we were able to reach a resolution.

Melissa Williamson

Amazing law firm. Highly recommend.

Response from the owner: Thank you, Melissa!

Karen Garach

I had the privilege of working with Andrew Pickett and his staff at Andrew Pickett Law for my personal injury case, and I couldn't be more satisfied with the outcome. From our first meeting, he displayed a genuine concern for my well-being and a deep understanding of the legal complexities involved.Mr. Pickett was always available to answer my questions and provided clear guidance throughout the process. He fought tirelessly on my behalf, ensuring that I received the compensation I deserved.The level of professionalism and dedication was truly outstanding. I highly recommend Andrew Pickett Law to anyone in need of a personal injury attorney. Thank you for your exceptional service!

Response from the owner: Karen, what a wonderful review! We appreciate your kind words.

Stefani Tennyson

Hands down best attorney in town. Andrew takes his time with you through the entire process and keeps you informed. If you are looking for a local attorney that you can trust, Andrew Picket Law is for you.

Response from the owner: Thank you, Stefani!

Vinnie Taranto

Andrew is an amazing attorney that truly cares about his clients.

Response from the owner: Vinnie, I appreciate your kind words. Thank you!

Angela Roth

I had an excellent experience with Andrew Pickett and their team. From the initial consultation to the final settlement, they were professional, knowledgeable, and compassionate. They truly worked hard to get a favorable outcome. I highly recommend them to anyone in need of a skilled accident attorney. Thank you for your outstanding service!

Response from the owner: Thank you, Angela!

Raymond Miley

Response from the owner: Thank you for the 5 star review, Raymond.

linda williams

I had the best experience working with Pickett Law. They are all very knowledgeable about the law. We personally worked with Atty Tiffany Whitehouse and her team of Tina Johnson and Vonda Vassar, they knew how to get us the most money that we were entitled to from a car accident. I don’t know what we would have done without their help. If you are ever looking for an atty, we highly recommend this office.

Response from the owner: Thank you for the great review, Linda! And thank you for your trust in our law firm. If we can ever assist you or any friends or family in the future, please let us know.

Shaun Peiffer

I had an excellent experience with Andrew Pickett Law firm. From start to finish, the team was incredibly responsive and attentive to my needs. Jessica was outstanding in patiently answering all my questions, making sure I fully understood each step of the process. I also want to thank Vonda for taking the time at the beginning of my case to walk me through everything, providing clarity and peace of mind. In the end, I was more than happy with the successful settlement outcome. I highly recommend Andrew Pickett Law firm for anyone seeking top-notch legal representation.

Response from the owner: Thank you so much for the wonderful review, Shaun! It was an honor to represent you. We are grateful for the trust you placed in us. If we can ever be of assistance to you or your friends or family in the future, please let us know.

Belinda Darnell

I had the privilege of working with Attorney Jessica Hicks alongside Attorney Andrew Pickett during my personal injury case, and their exceptional representation made all the difference. From the very beginning, they were attentive, compassionate, and highly engaged with every detail of my case. Attorney Jessica Hicks, in particular, formed a great personal connection with me, truly understanding the pain and challenges I faced after my accident.Their communication was outstanding, keeping me informed at every step through phone calls, office visits, text messages, and their office app. Attorney Jessica Hicks’ dedication and persistence led to securing the full allowable settlement amount without the need to go to court, which was an immense relief.I cannot recommend Attorney Jessica Hicks and Attorney Andrew Pickett highly enough. Their knowledge, support, and commitment are of the highest caliber. Jessica, in particular, is a determined and relentless advocate, ensuring that I was fully supported and heard throughout the process. If you're looking for attorneys who will truly fight for you, Jessica Hicks and Andrew Pickett Law are the ones to choose.

Response from the owner: Thank you for the great and thoughtful review, Belinda! It was a pleasure to represent you, and we are happy that you are satisfied with our efforts.

Jen Gonzo

ANDREW PICKETT LAW represented me in my case and they were professional all the way through. I am so grateful for what they were able to do for me. Big kudos to my attorney Jessica Hicks. 👏

Response from the owner: Thank you, Jennifer! Great review. So happy that we were able to resolve your case favorably!

Ken Williams

Andrew Pickett and his staff worked extremely hard to resolve my case I am extremely happy that I went with them and will use them in the future most definitely they kept me well informed and The professionalism I experienced wasunmatched.

Response from the owner: Thank you, Ken! It was a pleasure to represent you and get to know you.

Valeta Cameron

Exceptional attorney! Highly recommended for any of your personal injury needs.

Response from the owner: Thank you, Valeta!

Rose Hudson

Andrew and his team were incredibly knowledgeable and showed empathy and compassion to me throughout the entire process. My questions were always answered, even after the case closed. I continue to follow Andrew Pickett on various social media outlets as he regularly creates relevant and informative content. I highly recommend Andrew Pickett.

Response from the owner: Thank you, Rose! We really appreciate your kind words and your friendship. Please let us know if we can ever be of assistance in the future.

Marquisha Mansfield

Very helpful great status wonderful work

Response from the owner: Thank you for trusting us to help you with your case, Marquisha.

jhayco

Great job and great service

Response from the owner: Thank you for your review.

Beatrice Maxime

I am so very grateful to have had this firm represent me. I was in a car accident a few years ago, but the car insurance company of the person who totaled my car would not replace my car, nor pay for my medical bills. So we hired a Law Firm who then brought in Andrew Pickett Law on the case. I am so happy Andrew agreed to come onboard. He worked really hard on my case. Even though things were moving slow because of Covid-19 pandemic, he never stop working on my behalf. He was very dedicated to the case. I'm grateful for his professionalism, his patience, and his devotion.We ended up going to court and because of Mr. Pickett, we won the case.Thank you so much for all you did for us!!!!

Response from the owner: Beatrice, thank you so much for your kind words! I really enjoyed getting to know you and your family. It was an honor to represent you and join you on this journey.

Marilyn Colpitts

Fantastic service and professionalism. The Pickett Law firm handle my case with care and understanding. I recommend this firm with your case that may be out of the ordinary. Extremely pleased with the outcome.

Response from the owner: Thank you, Marilyn!