Settling an Automobile Accident Claim on Your Own? Beware of Hidden Health and Medical Insurance Liens

Jason B. Goldman • March 16, 2022
Settling an Automobile Accident Claim on Your Own?  Beware of Hidden Health and Medical Insurance Liens

We often receive telephone calls from potential clients who settled their own automobile injury claim without the assistance of an attorney, and who signed a final release concluding their claims. However, about 3-9 months later they’ve received a letter from their health insurance carrier (BCBS, UHC, Humana) demanding reimbursement for all medical bills paid by the carrier related to the client’s automobile accident. Oftentimes, the demand for reimbursement is either for more than the total settlement amount, or most of it. These clients tell their insurance carriers that they had no idea, and no one told them, of their obligation under their health insurance contract and Florida law to reimburse their health insurance carrier. When we receive these telephone calls (usually 3-5 per month), we have to give some very bad news – repaying these health and medical insurance liens is required, and the fact that no one advised you of this fact has no bearing. In these instances, these potential clients walk away from an accident with nothing or little to nothing. This can be completely avoided by having an experienced personal injury attorney on your side.

What are Subrogation and Collateral Sources?

Subrogation and Collateral Sources are the legal terms that ultimately require financial reimbursement to your health insurance carriers from your personal injury settlement proceeds.  Under applicable Florida and federal law, the parties who can subrogate against your personal injury settlement are health insurance carriers, medical payments coverage under your automobile insurance policy, Medicare, Medicaid, and uninsured motorist carriers.  If these companies made payments regarding an accident that you have received personal injury compensation for, they have a subrogation lien over your claim, and must be repaid from your settlement proceeds. Ignoring or refusing these liens, especially Medicare and Medicaid, can bring about lawsuits filed against you, and, potentially, criminal charges for attempting to defraud Medicare or Medicaid. Moreover, an injured party cannot tell or force these insurers to receive their reimbursement directly from the party who caused the accident.  Their right to reimbursement attaches directly to your claim, not to the driver who caused your accident.  Personal injury protection (PIP) benefits under your automobile insurance policy specifically do not require any reimbursement from your injury settlement proceeds.  Both Florida and federal law enforce these subrogation rights of insurers – there is no ignoring or getting around them.

An experienced personal injury attorney at GTS understands these liens and will not resolve your personal injury claim without factoring these liens into your “settlement equation”.  Additionally, GTS regularly and successfully negotiates substantial reductions of these liens with Medicare, Medicaid, medical payments insurance carriers, and all health insurance companies, including Blue Cross Blue Shield, United Health Care, and Aetna.  The successful resolution of these liens oftentimes “makes or breaks” a client’s personal injury claim.  Being able to negotiate a 50% reduction off a $95,000.00 health insurer lien saves a client $47,500.00!

Those not represented by experienced personal injury attorneys often learn about subrogation and collaterals sources after it’s already too late.  Once a personal injury claim is settled and a release signed, the injury claim is over. When we receive telephone calls of those injured in an accident who resolved cases without knowing the consequences of subrogation liens, it’s always a difficult conversation to have.  An opposing insurance company has no legal obligation to assist or inform an unrepresented claimant about subrogation liens that attach to their claim.  When we represent an injured party, resolving these liens in the most successful manner possible is an important part of the legal assistance we provide.  The unknown pitfalls of subrogation liens are one of the many reasons having an experienced personal injury attorney assisting you with your claim will maximize your recovery.

Getting Help from GTS Can Be a Real Game Changer

If you were involved in an accident caused by the negligence of another, learn how our Southwest Florida accident lawyers can help you and your family recover fair compensation for your personal injuries, medical bills, and lost wages.  Our experienced and compassionate team at  Goldman, Tiseo, and Sturges, P.A.  will advise you how we can help you and your family during a FREE consultation.  Please call us at (941) 625-6666, or send us a message through our  contact us box available on our website here.  Whether you are a resident of Florida or were injured while visiting from out of state, our Florida personal injury lawyers can assist.

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By Jason B. Goldman May 5, 2026
As temperatures rise across Charlotte County and summer approaches, backyard pools become the centerpiece of family gatherings and weekend relaxation. From Port Charlotte neighborhoods to waterfront properties in Punta Gorda, swimming pools offer a welcome escape from Florida's heat. However, with this seasonal shift comes an important responsibility: ensuring pool safety for everyone who takes a dip. At Goldman, Tiseo & Sturges, P.A., we've seen firsthand how quickly a fun afternoon can turn tragic when proper safety measures aren't in place. Whether you're a pool owner hosting friends and family or a guest enjoying someone else's hospitality, understanding pool safety and liability can prevent accidents and protect lives. The Reality of Pool Accidents in Florida Florida leads the nation in drowning incidents, with swimming pools being a primary location for these tragedies. According to the Florida Department of Health, drowning is the leading cause of death for children ages 1-4 in our state. Even non-fatal pool accidents can result in serious injuries, including near-drowning incidents that lead to brain damage, spinal cord injuries, or broken bones. The risks extend beyond swimming itself. Slippery pool decks, diving board accidents, improper chemical storage, and inadequate fencing all contribute to preventable injuries each year. Essential Pool Safety Tips for Charlotte County Families For Pool Owners: Install proper fencing: Florida law requires pool barriers at least 4 feet high with self-closing, self-latching gates. This is your first line of defense against unauthorized access. Maintain visibility: Keep the pool area well-lit, especially if you host evening gatherings. Secure pool chemicals: Store cleaning supplies and chemicals in locked cabinets away from children. Inspect equipment regularly: Broken drain covers, loose handrails, and faulty ladders create serious hazards. Post pool rules: Clear signage about diving restrictions, shallow areas, and pool capacity helps guests make safe choices. Provide flotation devices: Keep Coast Guard-approved life jackets accessible, especially when children are present. For Parents and Guests: Never leave children unattended: Drowning can happen in seconds, even in shallow water. Designate a "water watcher" during gatherings. Learn CPR: Knowing how to respond in an emergency can save lives. Avoid alcohol while supervising: Impairment reduces reaction time and awareness. Respect pool rules: If the host has established safety guidelines, follow them. Check water depth before diving: Many pool injuries result from diving in shallow areas. Understanding Pool-Related Premises Liability When an accident occurs at someone else's pool, determining liability can be complex. Florida law holds property owners responsible for maintaining reasonably safe premises for their guests. This legal concept, known as premises liability, applies to swimming pools and surrounding areas. Property owners may be liable when: Required safety features (like proper fencing) are missing or non-functional The pool deck is slippery due to poor maintenance or lack of proper drainage Lighting is inadequate, making hazards difficult to see Broken equipment (ladders, diving boards, filters) causes injury Chemicals are improperly stored and accessible to children Warning signs about depth, diving restrictions, or other dangers are absent However, liability isn't automatic. Several factors influence whether a property owner can be held responsible: The victim's legal status matters: Invitees (social guests, party attendees) are owed the highest duty of care Licensees (service workers, delivery personnel) are owed a duty to warn of known hazards Trespassers generally are owed minimal duty, with exceptions for children under the "attractive nuisance" doctrine The attractive nuisance doctrine is particularly important for pool owners. Because pools are inherently attractive to children, property owners must take reasonable steps to prevent child access—even if those children are trespassing. This is why proper fencing isn't just a good idea; it's a legal requirement. When Accidents Happen: Your Legal Rights If you or a loved one is injured in a pool accident in Charlotte County, taking the right steps can protect both your health and your legal rights: Seek immediate medical attention: Even if injuries seem minor, get checked by a medical professional. Some pool-related injuries have delayed symptoms. Document the scene: If possible, take photographs of the pool area, including any hazardous conditions, missing safety features, or broken equipment. Report the incident: Inform the property owner and ensure the accident is documented. If the injury is severe, contact local law enforcement. Preserve evidence: Keep any clothing, shoes, or items involved in the accident. Gather witness information: Get contact details from anyone who saw what happened. Avoid giving recorded statements: Insurance companies may use your words against you. Speak with an attorney before providing detailed statements. Contact an experienced personal injury attorney: Pool accident cases involve unique aspects of premises liability law. Legal guidance early in the process can make a significant difference in the outcome. Summer is Here, Stay Safe and Informed Pool season in Charlotte County should be about making memories, not dealing with preventable tragedies. Whether you're hosting Memorial Day gatherings, Fourth of July parties, or simple weekend cookouts, prioritizing pool safety protects everyone. At Goldman, Tiseo & Sturges, P.A., we're committed to keeping our Charlotte County community informed and safe. But when accidents do happen, we're here to help you navigate the legal complexities and secure the compensation you deserve. Contact Us for a Free Consultation If you or a loved one has been injured in a pool-related accident, our experienced legal team is here to answer your questions and protect your rights. Goldman, Tiseo & Sturges, P.A. 📞 (941) 625-6666 📍 Serving Port Charlotte, Punta Gorda, Englewood, North Port, and all of Charlotte County
By Jason B. Goldman May 5, 2026
Mother's Day is a cherished occasion throughout Charlotte County, a time when families gather to honor the incredible women who have shaped our lives. From brunch reservations at local Port Charlotte restaurants to scenic drives along the harbor, this Sunday brings an outpouring of love and gratitude. Yet amid the celebrations, it's important to remember that keeping our mothers and all families safe is the greatest gift we can give. At Goldman, Tiseo & Sturges, P.A., we're more than just attorneys; we're neighbors, parents, and community members who understand what matters most. This Mother's Day, we want to share some practical safety reminders to help ensure your celebration stays joyful. The Roads Get Busier on Mother's Day Mother's Day consistently ranks as one of the busiest days for restaurants and retail establishments, which means Charlotte County's roads see increased traffic. With families traveling to brunches, parks, and gatherings, the potential for accidents rises. Stay safe on the road: Plan ahead: Allow extra time for traffic, especially around popular dining areas on Tamiami Trail and Kings Highway. Avoid distractions: Keep phones down and focus on the road—your family needs you alert and present. Watch for pedestrians: Many families walk to restaurants and parks; be especially cautious in parking lots and crosswalks. Never drive impaired: If your celebration includes champagne toasts, designate a sober driver or use a rideshare service. Restaurant and Venue Safety Crowded restaurants and event venues can present their own hazards. From slippery floors to overcrowded walkways, premises liability concerns are real. What to watch for: Wet floors near entrances and restrooms Uneven surfaces in parking lots Proper lighting in outdoor dining areas Safe walkways free from obstacles If you or your mother is injured due to unsafe conditions at a business, know that property owners have a legal duty to maintain safe premises for guests. Honoring Mothers Who've Faced Hardship Mother's Day isn't just about celebration; it's also a time to recognize the strength and resilience of mothers who have faced unexpected challenges. Whether it's recovering from an injury, dealing with the aftermath of an accident, or navigating the complexities of a personal injury claim, mothers often carry burdens that others don't see. If you're a mother who has been injured due to someone else's negligence, you deserve support, compassion, and justice. Don't let the stress of medical bills, insurance claims, or legal processes overshadow your recovery. You have rights, and we're here to protect them. A Message to Our Community This Mother's Day, take a moment to appreciate not only your own mother but all the mothers in Charlotte County who strengthen our community every single day. Whether they're teachers, nurses, business owners, or volunteers, mothers are the backbone of what makes Port Charlotte, Punta Gorda, and Englewood such special places to call home. From all of us at Goldman, Tiseo & Sturges, P.A., we wish every mother a safe, happy, and memorable Mother's Day. We're Here When You Need Us If you or a loved one has been injured in an accident on Mother's Day or any day, our experienced legal team is here to help. We understand the unique challenges families face, and we're committed to providing personalized, compassionate legal representation. Contact Goldman, Tiseo & Sturges, P.A. today for a free consultation: 📞 (941) 625-6666 📍 Serving Port Charlotte, Punta Gorda, Englewood, North Port, and all of Charlotte County
By Jason B. Goldman April 6, 2026
When facing a legal dispute, many people assume their only option is a lengthy court battle. However, there's often a better way: mediation. At Goldman, Tiseo & Sturges, we've seen how mediation can save time, money, and relationships while achieving outcomes that satisfy all parties. What Is Mediation? Mediation is a collaborative process where an impartial third party—the mediator—helps disputing parties reach a mutually acceptable resolution. Unlike a judge who imposes a decision, a mediator facilitates communication and guides parties toward their own agreement. Why Choose Mediation? Cost-Effective & Fast Mediation costs a fraction of litigation and typically resolves in a half-day to full-day session—not years. You Stay in Control Unlike court decisions, mediated settlements put you in the driver's seat. You control the outcome. Preserve Relationships Mediation's collaborative approach can preserve business partnerships, neighbor relations, and other ongoing connections. Confidential & Binding Everything discussed stays private, and agreements you help create are more likely to be honored. When Should You Consider Mediation? Mediation works at any stage: Before filing a lawsuit (most cost-effective) During litigation (often court-ordered) Even post-judgment Jason B. Goldman: Certified Charlotte County Mediator Attorney Jason B. Goldman has been certified by the Florida Supreme Court as a circuit court mediator since 2002. Our Mediation Services We mediate cases throughout Charlotte County and beyond: Business and commercial disputes Real estate and construction conflicts Personal injury claims Contract disagreements Pre-suit negotiations Ready to Resolve Your Dispute? Contact Goldman, Tiseo & Sturges today at (941) 625-6666 to schedule your mediation session.
By Jason B. Goldman April 6, 2026
Easter weekend is a time for celebration, family gatherings, and fun traditions. But as personal injury attorneys who've spent decades serving Charlotte County, we know that holidays can also bring increased risks on our roadways and in our communities. The Reality of Holiday Traffic Easter weekend consistently ranks as one of the deadliest holiday periods for traffic accidents in Florida. With families traveling to visit relatives, increased alcohol consumption at gatherings, and distracted drivers rushing to events, the roads become significantly more dangerous. According to Florida Highway Safety data, Easter weekend sees a spike in DUI arrests and serious accidents. As you plan your celebrations this year, keep these safety tips in mind: Plan ahead for a designated driver if your celebration involves alcohol Watch for increased pedestrian traffic around churches and parks Be extra cautious at intersections - we know Charlotte County's dangerous crossroads well Secure children properly in car seats when traveling to family gatherings Easter Egg Hunts and Premises Liability If you're hosting an Easter egg hunt or attending one at a church, park, or community center, be aware of potential hazards. Property owners have a legal duty to maintain safe premises. We've seen injuries from: Uneven ground causing trip-and-fall accidents Hidden hazards in tall grass where eggs are hidden Dog bites when excited pets interact with children during outdoor events Pool accidents when Easter parties include swimming Your Rights After a Holiday Accident If you or a loved one is injured this Easter weekend due to someone else's negligence - whether it's a drunk driver, an unsafe property, or any other preventable accident - don't wait to seek legal guidance. Evidence disappears, witnesses' memories fade, and insurance companies start building their defense immediately. At Goldman, Tiseo & Sturges, we're here even during the holidays. As lifetime residents of Port Charlotte and Punta Gorda, this is our community, and these are our neighbors. We want everyone to enjoy a safe and happy Easter. This Easter, celebrate the renewal of spring - but stay safe doing it. And if the unexpected happens, remember that we're always here to help.