Injured in an Accident? Discover the 37 Secrets to Getting a Better Settlement

What is a "Fair" Settlement in an Injury Case?

Determining a good settlement varies greatly case-by-case. However, here are some common ways to evaluate the quality of your settlement:

1) Will the settlement pay your medical bills? 

If you were injured in an accident, you most likely had to go to the hospital or a doctor's office, and you probably racked up some medical bills. One of the starting points of ANY injury case settlement is looking at the total amount of medical bills and making sure that the settlement covers the costs.

2) Will the settlement pay your lost wages?

Injuries usually prevent people from working. If you had to miss time from work then your settlement should cover the amount in wages you lost. 

2) What type of insurance coverage is involved in the claim

A lack of insurance coverage that could mean a larger settlement is simply impossible in some cases, despite the lawyer’s best efforts. When damages are great but the insurance coverage is minimal, just getting the bills paid with a little left over is a good settlement for the circumstances.

3) The general circumstances of the accident and other specific factors of the claim
The definition of a good settlement is obviously subjective and can vary depending on the case. 

Who Will Pay for My Losses?

In a perfect world, the at-fault person and their insurance company will cover all of your losses, from medical bills to car repairs to property damage. After all, they caused these inconveniences to you, right?

Unfortunately, depending on your situation, there may not be enough insurance coverage to even scrape the surface of the bills you’ve been left with. Your personal injury protection benefits only cover up to $10,000, but what if your medical bills are three times that amount? What if your brand-new car was totaled? What if your car was repaired because of the accident, significantly decreasing its value? Who will pay for that loss in value?

There are other resources for you to be compensated, such as premises liability coverage, gap insurance, and uninsured motorist coverage to name a few. However, most people may not even know about these resources, let alone how to navigate the complications and rules of each system.

How Do I Pay for a Personal Injury Attorney?

If a person is injured in an accident and having trouble paying their medical bills, chances are that they won't be able to pay for a lawyer to help them if they need to pay them upfront. 

Luckily, you don't have to be incredibly wealthy to receive competent legal counsel and work. At Coye Law Firm, we operate on what is called a contingency basis. This means we don't require payment upfront, and you won't have to pay us anything unless we win your case. 

So if your claim stems from a car accident, slip and fall, or premises liability, the attorney's fees will come from the settlement that you accept from the insurance company.

Do I Need an Attorney to Make Someone Pay?

It is not about making someone pay, but ensuring that you are paid fairly under the law. 

Once you send a demand to the insurance company, they will likely offer you a payment. However, this first offer is usually so low that anyone who knows the true value of your case would be offended. The insurance company may also ask you what your bottom-line number is to settle your case. This question is usually a ploy to establish a number that is lower than your initial request.

In short, you may not need an attorney to make someone pay, but you may need one to make sure you are paid what you deserve.

When a case concludes, some people are left with enough money from their accident that they are able to take care of their needs above and beyond their injuries. Others find that even after everyone has paid there is not enough money to cover all expenses. With this in mind, the best way to guarantee you get everything the law allows to cover your expenses is to get an attorney.​

Discover POWERFUL SECRETS and COMMON LIES of Florida Personal Injury 

Sharing the Secrets, Learning the Lies: A Guide to Florida Personal Injury is packed with golden nuggets of powerful information. My book reveals 37 secrets and 19 lies about injury law and car accidents and has a five-star  rating on 


From my book you will learn… Personal Injury Book for consumers

  1. The ONE THING you must do within 14 days of your accident (page 42)
  2. The two most important factors in determining case value (page 10)
  3. How to understand what your insurance will and will not cover (chapter 3)
  4. 6 critical steps you must take after an accident (page 65)
  5. Why you should NOT trust the insurance company’s repair shop (page 72)
  6. How to choose the right doctor (chapter 5)
  7. A claim you could make against your own insurance company if your car is damaged, but not totaled (page 86)
  8. The secrets to getting a fair settlement (chapter 10)
  9. An 8-step breakdown of the normal process for lawsuits (page 109)
  10. The one 4-letter word that might cost you (chapter 12)
  11. How to start gathering the most important evidence you need (page 75)
  12. …and more!

>>Click here to receive your FREE copy now. 

All of this information, valued at $16.95, is yours – absolutely free! 

This is not a book for lawyers or law students, it is a book for you – the everyday consumer. (In fact, I wrote an earlier version that became too technical and boring, so I tore it up and started again.)

​You won’t find any dreary legalese or “lawyer language” in my book (such as formal technical terms or statute definitions.) I define all legal terms in plain language and summarize the key points at the end of each chapter.

>>Click here to receive your FREE copy now. 

Why Did I Write a Book about the Secrets and Lies of Personal Injury?

"A few years ago, I walked into a meeting with a memorable client... 

This client was in a very serious accident. She had just started a new job and revealed to me that she was very concerned about being able to pay her costly medical bills. 

This client was memorable to me because the more she learned about her case, the more she realized how easy it was to make a mistake that could seriously cost her. Every time I met with her to discuss her case, she would lament, “Gosh, I wish I knew this before I called you!” 

That’s when I realized I needed to write a book for people like this client. Everyday people that don't need to know every minute legal detail, but need to know the typical tactics that insurance adjusters might use to pay them less on a claim and the secrets to getting the best settlement possible.

"Don't make a costly mistake in your case. Get my book today"  Wade B. Coye

>>Click here to receive your FREE copy now. 

See What Others Are Saying About Sharing the Secrets, Learning the Lies...

“A wonderful way of breaking the information down into small bites without legalese jargon”

Wade Coye is a Florida attorney/author who clearly knows his stuff. In impressive and direct detail, he uses that knowledge and experience of the law to give us, his readers, the ins and outs of personal injury accidents. I found he had a wonderful way of breaking the information down into small bites without legalese jargon so that anyone could clearly understand. While this is a small book, there is a lot of information covered such as types of cases, insurance, what to do when an accident occurs and much more.

 C.C., Amazon Review

“Wade Coye puts his experience and knowledge in the field to excellent use in his book”

With an intelligent and witty tone and style, author Wade Coye puts his experience and knowledge in the field to excellent use in his book […] As an attorney, Coye is a credible expert, and this book is an easy to understand and credible source of information for anyone that wants, or needs to understand the legal framework and actual requirements of a personal injury case. We all know that accidents happen, and Coye provides for us a point of reference for what to do, and not to do – when we suffer an accident that costs more than a bruised ego and a few bumps or scrapes.

 C.G., Amazon Review

“Dripping with important information but reads more like a friend giving good advice”

Personal injury claims are already a stressful and emotional time, and this book helps curve the stress. Wade Coye is both humorous and informative. Being an attorney in this field he is very knowledgeable, and this knowledge can be very beneficial to those going through this in Florida, as well as tips for those in other states. The building blocks presented in this book are dripping with important information, but reads more like a friend giving good advice.

 S, Amazon Review

"Every adult should read it because you never know when you will need this sort of help"

This short read is straightforward and easy to read. In this modern world in which insurance companies and all companies in general will try to do whatever possible to avoid losing a penny and therefore harm the injured and disadvantaged one, this guide could be of great help for many. I found this book to be generous and helpful, and every adult should read it because you never know when you will need this sort of help.

– M, Amazon Review

“This is information rarely shared and the manner in which Wade writes the information makes this a book we all should read”

In a brief but skillful manner, Wade addresses all the aspects of what to do in case of a personal injury taking us through the many unknown aspects of our legal rights, how to address them, what are the important aspects of a case, how a case will proceed and what we can expect. This is information rarely shared and the manner in which Wade writes the information makes this a book we all should read and digest – now, before we NEED it! Solid information offered in a warm and accessible manner makes this a must own book. Highly recommended 

– G.H., Amazon Review

>>Click here to receive your FREE copy now. 

See What Others Are Saying About Coye Law Firm...


"If I had not come here, I am sure things would have been much worse..."

I had a back injury after I fell from a dumpster at my job injuring my L4 and L5 disks. I came across The Coye Law Firm online and I decided to go with him. First impressions are very important to me, and the way I was treated from the first time I walked in has been wonderful. A law firm is a business but here I could feel the warmth and customer service. Mr. Coye, Dan and Salim were wonderful and if I had not come here I am sure things would have been much worse.

 R.H., Orlando, FL

"I feel blessed to have had Coye Law Firm represent my case..."

After my car accident, I knew I didn't want to hire a lawyer from the TV or billboards. I had just started doing research when the phonebook was delivered on my front porch - with Wade Coye's name right on the cover! Somehow I knew this was the lawyer for me. 

My experience with Coye Law Firm was great from the start. After I called, they sent their private investigator, Dale, to my home to meet with me. I liked that they were willing to come to me. Dale was very personable and showed concern for me. Throughout my case, everyone I spoke to was nice, courteous, and met all of my needs. They fought to reduce my medical bills and by the time my case resolved, I realized just how much Coye Law Firm went above and beyond for me. 

I feel blessed to have had Coye Law Firm represent my case. I would highly refer anyone that needs a perfect professional representative and a firm that actually cares about how you feel. They're the best and they make people feel wanted. Thank you for all you've done!

– M.M., Groveland, FL

"Mr. Coye always comes out to shake my hand and ask me how I am – I’ve never seen that in another lawyer..."

My experience with Coye Law Firm has been excellent. I’m a straightforward person and I like when people give me a straight answer. 

Honesty and communication are the most important things to me. So I could tell from the beginning that I would enjoy working with Wade Coye. If I ever had a concern, I knew I could come in, sit down and talk about it.

Anytime I’m in the office for a meeting with my Case Manager, Mr. Coye always comes out to shake my hand and ask me how I am – I’ve never seen that in another lawyer. I can tell that he is passionate about his clients. His team is very friendly, shows great customer service and wonderful hospitality.  Coye Law Firm goes above and beyond for their clients and I tell people every day that I recommend Coye Law Firm." 

– D. M., Orlando, FL

"Coye Law Firm handled the whole case for me and dealt with the insurance company when they were being shady." 

I never do anything without praying to God first, so when I had my accident, I asked God "Who would be a good attorney for me?" I looked online, found Wade Coye and I really liked his honesty and integrity.   

I had knee surgery and didn't have a means of transportation, so a huge plus for me was that I didn't have to come into the office. I could do everything over the phone and it was very convenient. Coye Law Firm handled the whole case for me and dealt with the insurance company when they were being shady. 

Overall, I had a good experience with Coye Law Firm. Everyone was friendly and easy to talk to. Coye Law Firm is truly concerned about your case and their honesty stood out to me.

– A Coye Law Firm Client, Winter Springs, FL

"I would highly recommend Coye Law Firm. Everyone was very nice and caring, and I never waited long to be helped..." 

I heard about Coye Law Firm from my co-worker. Her husband had a case with Coye Law Firm and they said they had a great experience. I was very happy with my overall experience. They were attentive, professional, and always took care of my needs right away. I came into the office with my son one time, and one of the interns was very kind to him - even hung out with him during my meeting! I would highly recommend Coye Law Firm. Everyone was very nice and caring, and I never waited long to be helped. 

– F.P., Orlando, FL

"Wade is thorough and friendly. I've always felt comfortable because he explains the little details..."

I chose Wade for help on my first lawsuit over 15 years ago. He won for me, and I've just stuck with him over the years. Wade is thorough and friendly. I've always felt comfortable because he explains the little details. The process was pretty quick. Ursula made sure all of my bills were taken care of. They are always on point and attentive.

– K.P., Orlando, FL

>>Click here to receive your FREE copy now. 

Wade Coye: A Recognized Expert in Personal Injury 



Attorney/Author/Veteran Wade Coye's Credentials 


  • Florida Workers Advocates
  • Practicing Law 27 Years
  • Former Licensed Insurance Agent
  • American Bar Association
  • Florida Bar 
  • New York State Bar
  • Michigan Bar
  • Veteran: US Army Infantry
  • ​Member: National Organization of Veterans Advocates
  • District of Columbia Bar Association
  • Orange County Bar Association
  • Member: Academy of Florida Justice Association
  • Admitted to practice U.S. District Court Middle District of Florida
  • Admitted to practice in all Florida State Courts
  • United States of America Tax Court
  • 11th Circuit Court of Appeals
  • Member: American Justice Association
  • Member: Airplane Owners and Pilots Association
  • New York State Trial Lawyers Association
  • Accredited Attorney before the Department of Veterans Affairs

Areas of Practice:

  • 60% Personal Injury -- Plaintiff
  • 10% Social Security -- Disability
  • 30% Workers' Compensation Law

Litigation Percentage:

  • 100% of Practice Devoted to Litigation

Bar Admissions:

  • Florida, 1989
  • U.S. District Court Middle District of Florida, 1989
  • District of Columbia, 2008
  • New York, 2015
  • Michigan, 2015


  • University at Buffalo Law School, Buffalo, New York, 1989
  • J.D., Doctor of Jurisprudence
  • Honors: J.D. Cum Laude, Moot Court, Trial Technique Award, Revision Editor, Warrens Weed, N.Y. Mortgages
  • State University College of New York at Buffalo, Buffalo, New York, 1986
  • B.A., Bachelor of Arts

Pro Bono Activities:

  • Citizen Dispute Society, 1991
  • Orange County Legal Aid Society
  • Larry Smedly, National Vietnam War Memorial


  • Married with Five Children
  • Licensed Private Pilot
  • Certified Scuba Diver

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