About Us



At Naveo Law, P.A., our lawyers are here to help you resolve matters such as personal injury claims, PIP claims and much more. We are proud of the fact that the majority of our cases come to us by referrals, such as past clients and other attorneys who know and recognize our reputation for providing high-quality work. We work closely with our clients so they can make the right decisions with respect to their individual legal needs. We give each case the attention it deserves. 


We have more than 25 years of combined legal experience.  We represent clients from all over Florida including Miami-Dade, Broward, West Palm Beach, Orlando & Tampa.  If you have been injured due to the careless or wrongful actions of another, you have the right to seek full compensation for the damages you have suffered. Unfortunately, some insurance companies do not treat your claim seriously until you are represented by an attorney. At Naveo Law, P.A., we understand the stress and difficulties involved when you are getting denials or no cooperation from your insurance company.  



We will educate you in the system and make you a part of the process.  If you are looking for an aggressive litigator, that will be personally involved with your case, you have found the right firm. 

We are a bilingual law firm. Everyone in our law office is fluent in both English and Spanish. 

Call us at 1-844-600-1312 for FREE consultation.  

Areas of Practice

PIP – Personal Injury Protection



Personal Injury Protection is also known as the Florida No- Fault Law. PIP is a mandatory automobile insurance coverage in the State of Florida which, in part, covers medical expenses and loss wages as a result of injuries sustained in an automobile accident. 

PIP allows you to receive up to $10,000.00 in medical benefits, regardless of fault, as long as you seek medical treatment within 14 days of your accident. Our firm serves both individuals and medical providers in collecting these benefits from your insurance company. 

If you are an individual hurt as a result of an accident we can help you by maximizing your recovery in cases where you also have a claim for bodily injury. We will guide you through the process to ensure you obtain the maximum medical benefits, by working hand in hand with you and your medical provider.

If you are a medical provider, you know that all too often, insurance companies deny payment for treatments that were already rendered, leaving the medical provider hanging out to dry. Sometimes, there is a valid reason for this, but oftentimes, the insurance companies are trying to get away with paying medical providers less than it should.  Billing for PIP is complicated, and insurance companies will use every trick they can to find a mistake in order to deny your claim. Whether they alter the coding, pay you less, allege they never received the bills, or try in some other way to avoid paying you the full amount you are due, you don’t have to stand for it. We frequently take on insurance companies that don’t pay personal-injury victims their fair share, and we know what to expect from those companies. Find out how we might be able to help you. 

Car Accidents/Pedestrian and Bicycle/Slip and Fall



Car Accidents

Car accidents happen when someone chooses to do something negligent such as speed or text while driving. Those are just some examples. If you have been physically injured as a result of a car accident, regardless of who was at fault, or who was cited, the advice and representation of a personal/bodily injury attorney will help you navigate the array of legal issues that will likely surface. Car accidents can result in significant medical expenses and lost income, as well as non-economic damages such as pain and suffering and loss of quality of life. These and other losses may be compensable by filing a personal injury claim. The sooner you contact us after your accident, the sooner we can collect and preserve the evidence we need to prove liability. 

Pedestrian/Bicycle Accidents

These types of accidents involve any person who is walking, running, cycling, jogging, sitting, standing, or lying down on a public road, highway or walkway, and who is involved with a motor vehicle in transport which results in a traffic crash. If you or someone you know has suffered an injury as a pedestrian or cyclist caused by a motorists’ negligence or faulty road conditions, please contact our firm.  


Slip and Fall

A slip and fall accident may happen as a result of one’s own carelessness, inattention, or as a result of someone else’s carelessness and recklessness.  However, if the negligence is on the part of a property owner or a person is the cause of your slip and fall accident, you may have grounds for a premises liability or a property liability lawsuit. Slip and falls can result in significant out of pocket medical expenses and lost income, as well as non-economic damages such as pain and suffering and loss of quality of life. The sooner you contact us after your slip and fall, the sooner we can preserve the evidence we need to prove liability. 

Dog Bites/Wrongful Death/Premises Liability



Dog Bites

Dog bites are the most common form of animal attacks. Animal attacks of all types can be physically devastating to the victim. Some physical injuries can be severe.  Florida Statute 767.04 (2014) addresses issues related to liability on behalf of dog owners.

Wrongful Death

We know how difficult it can be to lose a loved one. The last thing on your mind is to seek out legal help. However, you have two years from the date of a death to file a lawsuit in Florida. Wrongful death lawsuits can be filed by anyone who is an immediate family member such as a spouse, children, and parents.  In unusual circumstances, some cases can also be filed by grandchildren, siblings, and other relatives and/or dependents.  Remember, the call and consultation are free. We are here to help you. 

Premises Liability

If you or someone you know, has been injured on someone else’s property, such as a mall, hotel, home, or business, which resulted in personal injuries, caused by an unsafe or defective condition, and you can show that the property owner knew or should have known that their premises was in an unsafe condition, and still failed to take the proper steps to remedy the situation, please call our office to discuss your case to better advise you in this type of claim. 


Cruise Ship Accidents



Cruise ship companies have the responsibility to ensure safety to their passengers while making there are no dangerous conditions that can cause serious injuries.  We will help with your claim to assure the cruise ship company is held responsible for their negligence. If you are injured while on a cruise, please report it immediately and seek medical attention. You usually have 30 days, sometimes less, depending on the cruise line, to notify, in writing, of any injuries, illness, death, slip and falls, or any incidents which occurred while on the cruise ship. Please call our experienced attorneys to be better able to assist you. 

RV, Motorhome and/or Camper Accidents and Property Damage Claims



Florida has become a popular and attractive destination for vacationers from all across the United States and the world. Known for its beautiful beaches to secret paradise hideaways,  RV’ing is ideal way to vacation with the kids, and an inexpensive way to have that family vacation you’ve always wanted. 

Renting and owning an RV can be costly since many RV owners are the unfortunate victims of vandalism, theft and suffer damages to their property.   These damages can cost owners thousands of dollars. 

RVs are also the cause of many accidents on Florida highways.  Recreational vehicle accidents happen more often than you think.   They happen to RV owners and renters who did not learn or were not provided with the correct liability information before buying these types of vehicles and as a result, did not purchase the proper insurance coverages.  If you are entitled to any recovery, we will do our very best to help you obtain compensation for your injures and/or property damages.     



At Naveo Law we are dedicated to educating and informing our clients about their legal rights in regards to their injury claim. We are always willing to answer clients’ questions and address concerns about the various aspects of their individual case. It’s important to us that our clients understand the legal options available to them and are able make informed decisions regarding their case. With that in mind, we’ve included a list of our most frequently asked questions (FAQs) below. If you have additional questions or aren’t sure if you have a case, contact our attorneys today at 1-844-600-1312/305-600-1312. We are here to help you.

How do you handle my case?

Naveo Law is in charge of your case, but we work as a team. The team includes attorneys in the office, legal assistants, and investigators. We will:

  • Communicate with all the parties and insurance companies to find out what the insurance policy limits are and whether any additional policies are available
  • Request copies of medical records to review and send to the insurance company or defendant 
  • Send a demand letter to the insurance company or defendant 
  • Negotiate with the insurance company or defendant until they make an offer that you approve 
  • Attempt to negotiate any medical bills that had not been paid already 
  • In cases where you do not approve a settlement, we may file suit against the defendant

How much money will I get?

No one can promise you a certain amount of money, but we can promise you that at Naveo Law it is our priority to provide our clients with the best legal representation and win you the most money possible to compensate you and your family for your injuries. There is no way to know how much money you will get for your case, and you should be wary of anyone who claims they can guarantee a certain amount. Many factors affect how much you will receive, such as:

  • How badly you are injured
  • How long you receive medical treatment
  • The amount of your bills
  • Whether your earning capacity is reduced
  • How much insurance the party who is at fault has
  • Whether there is any extra insurance (such as an umbrella policy or uninsured motorist coverage)
  • Whether the employer of the party who is at fault is also liable
  • Whether the party who is at fault has any large assets
  • Whether the party who is at fault has any defenses

How long will my case take?

Every case is different, and some cases take longer than others. On average a case takes twelve (12) to eighteen (18) months from beginning to end. Although most cases do not go to court, if your case does go to trial, it is possible that ​the timetable will be much ​longer. The timeline also depends on the duration of​ your medical treatment. Total medical expenses for reimbursement can’t be determined until medical treatments are completed and patients are released from care. Since a case can not be closed while medical expenses are still accruing this will directly impact how long your case is open. Other things can also delay a case, including insurance companies not cooperating, large hospital bills or medical liens that need to be negotiated, and/or clients moving without providing us their new addresses and phone numbers. Our firm will do everything we can to make sure your case is handled as quickly and carefully as possible.

Will my case go to court?

Most of the cases our firm handles settle without needing to file a lawsuit. If there is a reason your case needs to go to court, we will explain all the options to you, and you will decide which option is best for you and your family. Your Naveo Law will recommend which option we think is best, but the final decision is yours.

How will my case affect my government benefits (Medicare, Medicaid, SSI, SSDI, Food Stamps)

Our clients are often concerned about how their case will affect their government benefits. For certain benefits such as Medicaid, SSI, Food Stamps, and Public Housing, there are steps that must be taken to make sure your settlement does not disqualify you for aid. There are a variety of ways to protect your benefits, and we will be happy to help you choose the one that is right for you when your case settles. Your settlement will not interfere with Medicare or SSDI benefits.

How much of my medical expenses and lost wages will PIP pay?

PIP insurance in Florida pays up to a total of $10,000 for the following expenses:

  • 80% of each medically necessary medical bill 
  • 60% of lost wages 
  • 100% of replacement services such as childcare, housekeeping, and yard work
  • up to $5,000 of death benefits
  • 80% of prescription expenses
  • Mileage Reimbursement

Please remember that, unless you bought extra PIP insurance, it will never pay more than a total of $10,000 in Florida. You may also have a deductible to pay before PIP benefits begin.

What happens if I lose my case? Will I owe money to my doctors?

If your case is not successful, your health insurance, Medicare, Medicaid, or PIP, may still pay some or all of your bills. Although we can make no guarantee, we have been very successful in favorably resolving our client’s unpaid medical bills.


How will my case affect my health insurance?

If your health insurance company has paid any medical expenses that are related to your claim, they will usually have a right to be reimbursed from your settlement based upon your contract with them. Although there are no guarantees, our firm has been successful in negotiating reductions of health care liens for our clients. Your health insurance should not be affected otherwise.

Who will pay for the wages I lost when I was too hurt to go to work?

If you were in a car accident, PIP insurance will pay 60% of your lost wages, up to the $10,000 limit (in Florida) reduced by payments for other expenses such as medical bills (see section C for more information). Make sure to get a letter from your doctor specifying how long you must wait before returning to work, and a letter from employer stating that you have not been working due to your injuries. For the remaining unpaid portion, and for cases where there is no PIP insurance, the amount of your lost wages will be a factor when negotiating with the at fault party.

Will my or my family member’s insurance rates go up if I receive PIP benefits?

  • If you were not at fault for the accident your insurance rates should not go up from the accident. 
  • The use of PIP benefits should not cause you or your family member’s insurance rates to go up.

Who pays for my doctors? Will I owe money to my doctors at the end of my case?

Your health insurance, Medicare, and Medicaid may pay for some or all of your medical bills. If you were in a car accident, PIP insurance may also pay some of your bills (see section C for additional information). If you have any bills left over, Naveo Law will do our best to negotiate a reduced percentage of the remaining bills so that they can be paid with a part of your settlement. If we accomplish that, you will not owe your doctors money. Although we can make no guarantee, we have been very successful in favorably resolving our client’s unpaid medical bills.

Who pays for the costs in my case? Are they included in the percentage fee?

There are certain costs that our firm pays on your behalf during the course of your case. These might include charges for:

  • Copies of records & reports
  • Mail expenses
  • Investigation expenses
  • Expert witness fees
  • Various other costs

Similar to most personal injury firms, Naveo Law requires that these costs be paid back out of your settlement, separate from our percentage fee. If you do not receive any settlement or judgment, our firm will not require that you pay us back for the costs we paid on your behalf.

How much will you charge me for handling my case?

Like most personal injury firms, Naveo Law charges a percentage of the settlement or judgment you get for your case. The percentage can vary on the type of case, whether we file a lawsuit or if your case goes to trial. 

  • Please review your document called Authority to Represent. This document explains our fees in detail and the specifics for your case.
  • If you receive a settlement that is over $1 million dollars, the amount over the first $1 million may be charged a smaller percentage fee not to exceed 25%.
  • If it is determined that the proper defendant is a federal, state or local government entity, then the fee is capped at 20%.
  • If you do not receive any settlement or judgment, Naveo Law will cover all fees and expenses and you will pay nothing. 

Contact Us

We love our clients, so feel free to call us during normal business hours.

Naveo Law, P.A.

2000 Banks Road, Suite 200, Margate, Florida 33063



Open today

09:00 am – 05:00 pm

Drop us a line!