Happy 4th of July! Don’t Celebrate Without This…

Happy Independence Day!

Mr. Coye headshotThe Fourth of July is a time to spend time with friends and family and celebrate our Independence from Great Britain. To help with your celebration I have included the firework schedule for different Central Florida counties. Have Fun and Drink Responsibly.

Lake County

July 4: Mount Dora 4th of July celebration, Mount Dora. Independence Day celebration with a parade on Donnelly Street, live music and fireworks at Gilbert Park. Sponsored by the Rotary Club. Free. 352-383-2165www.mountdora.com/events.php

July 4: Fourth of July celebration, Leesburg. Celebrate the Fourth of July at the Venetian Gardens in Leesburg. The event will include fireworks, live entertainment and games. Festivities start at 6 p.m.Admission is free. 352-728-9721www.leesburgpartnership.com/

July 4: It’s a Grand Old Flag, Tavares. Independence Day celebration at Wooton Park with parade and fireworks. Festivities start at 3 p.m. Admission is free. 352-742-6319www.tavares.org/

Orange County

July 3: Red, White & Brew Bash, Orlando. Celebrate the Fourth of July during the Red, White & Brew Bash at Howl at the Moon piano bar. The event will include Miller Lite and 86-ounce Cherry Kool-Aid bucket specials. Festivities start at 7 p.m. 407-354-5999www.howlatthemoon.com

 July 3 and 4: Red, White and Brew, Orlando. Celebrate our country’s independence at the Wall Street Plaza in downtown Orlando. The party starts at 9 p.m. on July 3 with a block party and live music. On July 4 from 4 p.m.-midnight, take part in the $10 all-you-can-drink Samuel Adams beer garden, Korndogg Karaoke, live music, games and food. 407-849-0471wallstplaza.net/event/red-white-brew/

July 4: Fireworks at the Fountain, Orlando. Enjoy a fun-filled afternoon around beautiful Lake Eola in downtown Orlando with games, activities, live entertainment and delicious food, followed by a fabulous 30-minute fireworks display at night. Admission is free. 407-246-3720www.cityoforlando.net

July 4: Fireworks at Avalon Park, Orlando. Experience the Fourth of July Celebration in Avalon Park. The event will include fireworks, an apple-pie bake off, hot dog-eating contest, bike parade, a wet and dry bounce house and community performances. Festivities start at 5 p.m. Admission is free. 407-658-6565www.eventsatavalonpark.com/

July 5: Baldwin Park Independence Day Bash, Orlando. Celebrate Independence Day with live music, shopping, interactive games, a food and beer garden, a bounce house and a fireworks display. Festivities start at 5:30 p.m. along New Broad Street in Village Center. 407-740-5838www.facebook.com/events/377543192345340/ (Facebook login required)

July 4: SeaWorld Orlando’s Fourth of July Celebration, Orlando. SeaWorld will celebrate Fourth of July with fireworks and music at Bayside Stadium. The festivities start at 9:30 p.m. with a singing ensemble and nine-piece band1-888-800-5447seaworldparks.com/seaworld-orlando/Events/Summer-Nights?from=Top_Nav

July 4: Rockin’ Fourth of July Celebration, Disney’s Hollywood Studios. A disc jockey will kick off this music-filled evening at 6 p.m. at the sorcerer’s hat. Rock band Mulch, Sweat and Shears will take the stage at 7 p.m., and fireworks will light up the sky at 10:15 p.m. The celebration is free with park admission. 407-824-4321disneyworld.disney.go.com/destinations/hollywood-studios/

All week: Red, White and Blue Extravaganza, Disney’s Magic Kingdom. This weeklong event features a patriotic-themed parade plus food. Festivities run from July 1 to July 7. The celebration is free with admission (one-day pass: $95 plus tax general, $89 plus tax ages 3-9, free ages 2 and younger). 407-824-4321disneyworld.disney.go.com/destinations/magic-kingdom/

July 3: Old-Fashioned July Fourth Celebration, Winter Park. Beautiful Central Park downtown is the site of this lively festival featuring patriotic music, a parade, hot-dog-eating contest and other activities for the whole family. Admission is free. 407-623-3363www.orlando-florida.net/events/july/winter-parks-oldfashionedjuly4thcelebration.htm

Osceola County 
July 4: Fourth of July Celebration, St. Cloud. Celebrate Independence Day along the laid-back St. Cloud Lakefront with live music, carnival rides, a petting zoo, classic car show, model stock car racing, an arts and crafts show, food and fireworks display. Admission is free. 407-892-3671www.orlando-florida.net/events/july/stclouds-4th-of-july-celebration.htm


Happy 4th of July,




courtesy of US Army CC by 2.0


June Newsletter

The Coye Law Newsletter is here!
Mr. Coye headshot
I hope you enjoy our June newsletter. This month we cover a few topics on the importance of safe driving such as staying safe while celebratory drinking, the dangers of texting while driving, and what to do when your car is totaled. We also introduce a story on Dale McDyer, who has been working in claims for 52 years. Check out additional interesting articles about a blood test that may detect cancer tumors and some facts you might not have known about the Titanic.
Meet Dale McDyer
Dale MyDyer is a private investigator for Ereyago Investigations and has 52 years insurance claims experience.If you can believe it Dale turned 78 on January, 2015. Click here to learn more about Dale’s life.
Don’t be a Texting Dummy
No text message is more important than a life. Most texts are short messages, such as “OK” and “on my way” , and those words should never be the cause of someone else’s death. To read a compelling story about why you shouldn’t be a Texting Dummy click here.
Paying for a Totaled Car
If you have had the misfortune of being in a car accident then you might be told your car has been “totaled” Click here to learn what this means and how you can possibly get more money.
Drive Safely, Grads!
Congratulations on graduating from high school or college. You now have the rest of your life ahead of you. Click here to learn important tips about partying safely and remember the drinking age is 21 years old.
If you would like to stay up-to-date with everything happening at Coye Law Firm, please fill out the form below and we will be happy to send you an email or hard copy of our monthly newsletter.


One of the Secrets in Personal Injury Cases

Mr. Coye headshot
Many personal injury cases where liability is clear and there is adequate insurance to pay for losses can still be frustrating for the injured person and their family.

The frustration is usually worse when the accident was preventable or caused by someone’s carelessness, such as texting while driving, not paying attention to cars ahead, running red lights and so on.

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You would think that when someone has clearly and stupidly hurt someone, damaged their car, and inconvenienced them that settlement of their case would be quick and easy. Unfortunately, this rarely happens. If a case is settled promptly, it usually still leaves the insured person with additional problems and medical bills despite the “quick settlement.”

The problem is usually that medical treatment is either, inappropriate, missing or minimal. There are several reasons for inadequate medical treatment, such as lack of health insurance,

Since damages in personal injury cases are heavily influenced by the medical problems a person is having, the quality, type and duration of medical care are very important to the case outcome. difficulty in locating a doctor who will accept health insurance and will agree to provide testimony if needed in court, or just flat out finding the time to actually go to the doctor on a regular basis.


To learn a more about one of the secrets in personal injury cases, see my video: Go to the Doctor!




No way! My wife’s NEW car-hit just hours after purchase!

Last year my wife’s 1999 Toyota minivan with over 250,000 miles on it was near the end of its life. The children used to call it the “Swag Wag”, and it was really a 2nd home for car pools, sports events, and lots of road trips for nearly 15 years. So as all our children have grown and even our youngest is mobile, with a driver’s license, I decided she needed/deserved a new ride.

So I bought her a Tesla-for those of you who don’t know, it is electric and a beautiful piece of technology.

She took possession of the Tesla at 1:00pm and then at 4:30pm, while she was driving our daughter and her friend to volley ball practice, a woman ran a stop sign (texting and driving) and hit the side causing substantial damage.

Because Tesla’s are new technology the repair cost was sizable-no problem because the at fault driver stepped up and accepted responsibility- unfortunately it took over two months to fix the car.

The first time we called the insurance company, they initially refused to pay for the reduction in value due to its having been in an accident.

This type of damage is called diminution in value. It is rare for insurance companies to offer to pay diminution in value as a damage after your car has been repaired. To be fair, small fender benders with minimal damage do not result in much, if any, reduction in value. Diminution in value is a damage appropriate when a car, usually worth over $10,000, had sufficient repair work following an accident which would cause a reasonable buyer to offer less than a similar car with no previous damage.

In the end we had to hire an expert to canvas the market place to prove diminution in value and the insurance paid. And my wife loves her NEW car! If you have a new car or a used car that is fairly new or has decent remaining value and it is in a wreck make sure you make a diminution in value claim.



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How to Avoid the Insurance Company Using the “F” Word On You!

Mr. Coye headshotThoroughly complete the intake form. Doctors need this information to be able to help with your care. Although nurses help fill out the intake forms and doctors order test and complete care. They need a solid look at your pre-existing conditions. Put every detail of every injury on the intake form.

 It helps your case! In modern medical care record keeping, many professionals only document the problems pertaining to the specialty.

 For instance, if you have some type of fall and you hurt your back, neck, shoulder, hand and the insurance company sends you to an orthopedic surgeon for your back (because in the scheme of things that was the major problem when you first went to the hospital), that orthopedic surgeon who likely is specifically trained in backs will only reference your complaints as they relate to the back.

The doctor may omit complaints that you have about your neck, your shoulder, your knee or anything else that you banged up. Then when in their expert opinion they don’t think they can do anything for your back, they release you months after the fact. If you then want treatment for the other parts of your body, the insurance company may then deny further care claiming that you never complained about it to the doctor!


But if you had noted the parts of your body that you injured when you fell on the patient intake sheet, even if the doctor didn’t treat you or make a note about those other body parts, a record has been made and even the doctor will have to concede that you “complained” about it during his care.

Being very specific about prior conditions also keeps you out of trouble because insurance companies love to throw out the “F” word in connection with your care.

 They love to engage in a practice called post claims underwriting which means after you get hurt they love to look at your records generated by the doctor, then obtainyour old medical records and compare them and see if in their mind you were honest about your pre-existing conditions and if they don’t think you were, to then accuse you of fraud.

 If they are successful in this they can deny you all future benefits.  So make sure you are complete on the records you are filling out at the doctors office.  It will help you get better care, make your workers comp case better and keep you out of trouble.

Hang in there and get well!


P.S. Want EXTRA knowledge about Florida Worker’s Compensation click here for my free report

A Quick Update on my New Personal Injury Book


Wade Coye, personal injury attorney

Wade Coye, personal injury attorney

Hello everyone,

I am excited to announce that I’m nearly finished with a book  which I have written for consumers.  The purpose is to give people a starting point when they have had a tragedy in their family and aren’t sure what to do. To be frank, I originally wrote a book last year that after editing and completion I realized it was too much of a “how to” book on personal injury.  You can imagine how terribly boring it was, perhaps a bit like watching paint dry!  I have found in over 25 years of law practice that as much as I want to give clients complete information on the ins and outs of a case, sometimes its TOO MUCH INFORMATION.  Sometimes, clients just want the essentials to avoid problems and mistakes, leaving the details to me.

 The book will cover a variety of issues often encountered by those initiating an injury case and those who are in the middle of one. Some of the topics will include how to determine the true worth of your case, the implications of insurance on potential compensation, how to deal with doctors involved in your case and how to find the right lawyer.

My working title is “Sharing the Secrets, Learning the Lies: A Personal Injury Guide”  This may change but the concept will not.  I anticipate the publisher finalizing it in the coming few weeks and will have it available on Amazon and some other vendors.

New Online Resource for Veterans with eBenefits

Wade Coye, Personal Injury Attorney.

Back in 2012, The Department of Veterans Affairs integrated a new online system to better assist veterans, service members, and their families in managing their benefits and program placement. The eBenefits Portal is a one-stop website where service members have access to all sorts of information meant to make their lives easier.

There are many new benefits to this site. You are now able to apply for benefits directly, check your application status, access important documents, and browse crucial VA links. Veterans can also download copies of their VA letters and access their education benefits. Job training and career information are also available through eBenefits. This convenient access makes streamlines any paperwork processes that you would need your VA records for.

Veterans can even get a copy of the VA Home Loan Certificate of Eligibility, once they have created an account. The VA Home Loan Guarantee allows service members, veterans, and their families a loan to either buy or improve their home as long as they meet certain requirements.

One of the most important benefit that the eBenefits online portal gives veterans access to is all of their Tricare and health insurance information. Having access to this information from home will make retaining medical records, finding doctors, and accessing disability information much easier. This will also likely mean you will be able to access any lien information, if you’ve been in an accident. Having the ability to access this information will make it easier to keep track of claims.

The Coye Law Firm values our Veterans, and we want to make sure they are taking advantage of every service meant to make their life easier. If you or a loved one needs assistance figuring out what VA disability benefits you may be entitled to, contact the Coye Law Firm today for a free consultation.

Combat Veterans’ Brain Injuries: Hard to Diagnose, Harder to Treat


Wade Coye, Esq.

Wade Coye, Personal Injury and Car Accident Attorney

According to a recent survey, 244,719 troops were diagnosed with a Traumatic Brain Injuries (TBI) between 2009 and 2012. 72,529 of these diagnoses occurred after 2009. With such a high number of cases, many Americans expect that research is being performed to prevent, detect, or treat these injuries, but the truth of the matter is TBIs are some of the most complex injuries to deal with. In fact, 22% of all combat casualties are related to Traumatic Brain Injuries.

There are three levels of Traumatic Brain injuries: mild, moderate, and severe. A mild TBI is defined by a loss or alteration of consciousness for a time period less than 30 minutes or post-traumatic amnesia lasting less than 24 hours. Focal neurologic deficits and/or a Glasgow Coma Score (GCS) of 13-15 would also indicate a mild TBI. Moderate TBIs are signified by a loss of consciousness greater than 30 minutes, post-traumatic amnesia lasting longer than 24 hours, and an initial GCS of 9-12. A severe TBI is categorized by all of the symptoms above and a GCS score less than 9.

At least 45% of veterans currently coming home from Iraq/Afghanistan are in the process of applying for or are already receiving Veterans Disability Benefits. This number is double the number of veterans who were eligible following the Gulf War. The reason for this dramatic increase is new injuries. 20 percent of all active duty troops suffer from repeated concussions. One third of that number has semi-permanent symptoms as a result.

For whatever reason, veterans and athletes alike, have longer lasting symptoms than civilians who have the same injury. 85 to 90 percent of civilians with a mild TBI will return to normal after three to six months. The other 10 percent experience lasting somatic (headache, tinnitus, insomnia, etc.), cognitive (memory, attention, concentration difficulties, etc.), or emotional/behavioral (irritability, depression, anxiety, etc.) symptoms. A veteran or athlete could see symptoms last months longer than a civilian, usually 18 to 24 months. Generally, this difference is due to the fact that a veteran’s mild TBI is usually accompanied by several other medical problems.

If symptoms progress past the normal time periods, several neurological disorders can develop:

▪       Epilepsy

▪       Paralysis

▪       Tremors

▪       Headaches and migraines

▪       Memory loss or impairment

You may be wondering why a veteran has such a dramatically longer recovery time. The answer is simple: in many cases symptoms are ignored at the time of injury due to the stressful situation within which it occurs. Because of this, the injury itself is hard to pinpoint, making even more difficult to distinguish between symptoms. Like I said earlier, veterans are usually dealing with several medical conditions at once. Several TBI symptoms overlap with those of other psychiatric and neurological disorders.

Treatment for a TBI has to be symptom focused, but if you can’t distinguish between what symptoms are caused by which condition, how are you supposed to treat? That is exactly what the government was supposedly working on for the past few years. After putting $18.1 million into a resource that was supposed help diagnose TBIs, the software has fallen short. This software was supposed to help determine the impact of blast injuries when there was no visible head wound. It was also supposed to help differentiate between symptoms relating to a TBI and other medical conditions. Instead, the software seems to be a clinical documentation tool with no interfacing to other programs and a confusing self-assessment for veterans to take. It is disappointing that we haven’t progressed farther in the diagnosis and treatment of TBIs.

With all of the new types of injuries comes a greater influx of disability claims to the Department of Veterans Affairs. Currently, it takes nearly 8 months to process a single claim, even longer if you have to go through an appeals process. You may need an attorney to help keep your claim on track. If you or a loved one was injured in combat and has a resulting disability, contact the Coye Law Firm to discuss your case.




Appropriate Courtroom Behavior

Wade Coye, Esq.

Wade Coye, Personal Injury and Car Accident Attorney

Whether you’re entering the courtroom for a civil case, criminal case, or custody hearing, the situation will always be stressful. How you control that stress is more important than most people realize. Your behavior in the courtroom can –and will — affect your case.

As I’ve said before, attorneys, judges, and jurors alike spend time reading your body language alongside any testimony you give. In many ways, your body language will speak louder than your words. No matter how stressed you are feeling, you cannot let that manifest in your behavior, because the way you act impacts the impression you leave on others.

A basic guideline to help maintain your behavior in court is remembering to use basic common courtesy. Proper court attire is also as much a part of your behavior, as the way you speak or act. Make sure what you wear is appropriate. Follow business causal or business professional guidelines, and keep the colors muted.

The way you speak is also a reflection of your behavior. Specific to a courtroom, is remembering not to speak unless you are addressed directly. There is a detailed order in which people can speak, and disrupting that would reflect badly on you. You should also take care to insure your emotions do not dictate what you say. If you let your emotions take control, you may forget to say something important, or your emotional response will be more recognized than the facts you are trying to convey. Remember to use appropriate, clear language, and most importantly, speak respectfully, to everyone involved. It will showcase your good character, and insure that the proceedings go smoothly.

Some other general guidelines: do not have any food, gum, mints, or drinks in the courtroom. Focusing on that makes you look disrespectful. Despite the fact that this should go without saying, make sure your cell phone is OFF. Better yet, leave it at home or in the car. Silent mode doesn’t work. If it vibrates, everyone will be able to hear it, and it is extremely disruptive.

Since emotions are generally high in a courtroom (even though you will be doing your best to hide that), you’ll want to have a friend you trust go with you and take personal notes. Not only will this serve as a good record of occurrences, but it will also show that you care what is going on.

Pay attention to your posture, don’t slouch or let your head droop. I know the formalities of court can be a little boring, but you do not want to look bored or disengaged; it leaves a bad impression. You should look interested and pay attention, because what is being said should matter to you.

Aside from your behavior affecting the outcome of your case, there are criminal consequences for not keeping yourself in check. For example, a father, frustrated with the courts involved in a custody case, cussed when referring to the judge, and wrote a rather threatening song which he posted online. The man, a army veteran, obviously did not win his custody case, but was instead held in contempt of court, put in prison for 4 months, and had to pay a large fine.

Clearly, your behavior in the courtroom plays a key role in the way a hearing precedes. Negative behavior will certainly leave an unwanted impression on anyone in the courtroom with you. Here at the Coye Law Firm, we help our clients prepare for a trial or hearing by coaching them on dealing with the stresses of court. If you or a loved one needs assistance with a legal issue, contact us for a consultation.

Could you be Forced into Arbitration?

Wade Coye, Esq.

Wade Coye, Personal Injury and Car Accident Attorney

How may people truly understand all of the legal jargon in an employment contract? Do you read every word of it? Do you trust your new employer implicitly enough to trust the way they are explaining it to you? What happens if you miss something? Will you pay the price? The truth is you could. Many corporate contracts now include a forced arbitration clause that could cost you if you ever have to file a complaint.

So what is arbitration? Arbitration is a form of alternative dispute resolution that is meant to prevent a dispute from going to court. In arbitration, a third party reviews the evidence and makes a decision, which is usually legally binding and enforceable. Arbitration is a form of “private judging” and works in theory. It was intended to be a freely chosen alternative to litigation among corporate equals. The problem is arbitration has been twisted to force employees and consumers to surrender their right to hold corporations accountable for their wrongdoing.

Employers are creating clauses in the fine print of contracts that makes arbitration the only option if you have a complaint. It is a biased system because the company you have an issue with is the one contracting the arbitrators. Arbitrators have no obligation to follow the letter of the law, resulting in an overwhelming favoring with the corporation. In fact, 95% of arbitrated decisions favor the corporation over the employee.

In an arbitrated case, the arbitrator has not legal authority to force a company to change their ways, even if they are proven negligent, unfair, or dangerous. By forcing arbitration, the company is protected from the law.

Arbitration itself is extremely expensive because of its private nature. This fact on its own deters employees or consumers from following through with a complaint. With forced arbitration, an employee is giving up their right to a court hearing and all that comes along with it – a judge, a jury, and a chance to appeal.

Luckily, you cannot be forced into arbitration for a worker’s compensation case. If you chose to enter into arbitration freely, the decision is probably not legally binding, so if you don’t agree you can still pursue litigation.

If you or a loved one has a claim that is being forced into arbitration, you may need an attorney to represent your interests. Though the process is tough and expensive, it is not impossible to prevail, especially if you are arbitrating by choice. Contact the experienced attorneys at the Coye Law Firm today, for a consultation on your case.