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Straight talk, no legalese.

Practical guides for injured Floridians and policyholders.

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What to Do in the First 48 Hours After a Florida Car Accident

A step-by-step guide to the first 48 hours after a Florida car accident: safety, the police report, the 14-day PIP rule, evidence, and what not to say to insurers.

Simon Nicholson · August 12, 2026 · 7 min read

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Insurance Claims

The Recorded Statement Trap: Why the Adjuster Calls So Fast

Adjusters call within days and ask for a recorded statement. Here is what it really does to your Florida injury claim, what you must say, and what you can decline.

Simon Nicholson · July 28, 2026 · 6 min read

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Property Claims

Your Hurricane or Roof Claim Was Denied. Now What?

A denial letter isn't the end. How Florida homeowners challenge denied or lowballed hurricane and roof claims, the deadlines that apply, and the evidence that wins.

Simon Nicholson · July 10, 2026 · 8 min read

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Working With a Lawyer

No Fee Unless We Recover: How Contingency Fees Actually Work

What 'no fee unless we win' really means in Florida: how contingency percentages work, what Florida Bar rules require, how costs are handled, and what to ask before you sign.

Simon Nicholson · June 18, 2026 · 6 min read

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