Tag Archives: Plaintiff 101

What Is a “No-Fault Claim” and Where Is It Applicable?

No-fault insurance” means that the carrier of your auto insurance will take on the task of paying either some or all of your accumulated medical bills, as well as lost earnings, in the case of an accident. This holds regardless of who is at fault.

In these following states, a “no-fault” claim is covered under your personal injury protection benefits, otherwise known as PIP benefits. This includes: Florida, District of Columbia, Hawaii, Kansas, Kentucky, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

In Florida, it is required that all drivers have Personal Injury Protection benefits under their insurance policies at minimum. This includes $10,000 in (PIP) benefits and $10,000 in property damage liability benefits.

Not only does PIP cover the individual in an accident, but there are several very case-specific scenarios in which PIP will cover others. For example, it will cover the individual’s child/children, relatives within the household, passengers without PIP coverage and who don’t own a vehicle, and licensed drivers who drive the vehicle with permission.

In many states, it is not required to make a claim for personal injury damages against another driver unless your medical bills reach a certain level or your injury is considerably serious. This was enforced in an attempt to avoid smaller claims and congestion in the court system.

In Florida, for example, only accidents that result in permanent injury or significant and permanent scarring or disfigurement will allow someone to make a claim outside of the “no-fault” regulations. Since these conditions are quite vague, consulting with an attorney to see if you qualify beforehand would be recommended.

The clearest advantage to the Florida No-Fault Law is that it allows for speedy payment of claims for medical bills and a loss of wages alike, without the need to investigate or determine fault. With that being said, there are also certain limitations like not providing for emotional distress, inconvenience, or similarly linked issues.

For more information like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.


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4 Holiday Gift Ideas for the Law Student in Your Life

The holidays are right around the corner! Here’s a list of great gifts you can find on Amazon for the law student in your life.

1. Coffee Mug ($9.27)

Plaintiff 101 Karen Mertes

2. Dress Socks ($10.99)

Karen Martes

3. Pencil/Pen Bag ($9.69)

Plaintiff 101 Bag

4. “Plaintiff 101” Book ($24.95)

Blank white book w/path



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Meet Fulfill Your Destiny’s New Booster Group “Destiny’s Angels”

During a recent Chari-Tea fundraiser, Karen Mertes, CEO of Fulfill Your Destiny and author of Plaintiff 101, announced the creation of the first ladies booster group dedicated to furthering Fulfill Your Destiny’s work and mission.

Karen Mertes Plaintiff 101

The group, known as “Destiny’s Angels,” is chaired by Pegge Barrier of 21st Century Financial. Members share their time and talent to help the charity serve deserving community members.

What does it take to be a Destiny’s Angel?

There are no dues for membership and new members are welcome. Members share a common desire to help others in big and small ways and meet monthly at each other’s homes for food and fellowship. At meetings, attendees make new friends, network, and determine which individuals (previously vetted by local charities) that the group will aim to help.

Destiny’s Angels uses its collective imagination, talent, and connections to brainstorm ways to provide help for community members who are experiencing unforeseen challenges and need a second chance. These individuals would otherwise fall through the cracks for traditional social services.

Interested in being an agent of change to help others in your community?  To learn more about Destiny’s Angels, contact membership coordinator Carolyn Eastman at carolynanneastman@gmail.com.

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Community Members Accepted Fulfill Your Destiny’s Hero Challenge! Watch the Video.

Karen Mertes, author of “Plaintiff 101,” is also the founder of the non-profit Fulfill Your Destiny. Now through December 30th, Fulfill Your Destiny invites you to take the Hero Challenge!

The saying “Hands Eagerly Reach Out” (HERO) to help others is a founding credo of the charity Fulfill Your Destiny. The organization even gives out H.E.R.O. awards to those who have demonstrated this spirit to support its work.

Join them as they turn this statement into a community-wide challenge.

Watch a heartwarming example below:

Karen Mertes Plaintiff 101

Participants must register for the challenge (link below), and then share their completed act of kindness (anonymously or using a first name if they wish). Kindness Crusaders may team up with work buddies, clients, classmates, family, and friends and are encouraged to include a photo to inspire others on our social media.

All acts of kindness will be noted on our website and social media!

How do I sign up for the Hero Challenge?

Simply register below for the challenge of accomplishing one act of kindness.

Sign up here

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Throwback Interview with Karen Mertes on Fox13

After serving in the Air Force for 20 years, a near-death experience in 2007 forced Karen Mertes to change her life.

She was hit by a drunk driver going over 100 mph and cracked her skull in two places. During her recovery process, she realized the importance of helping others.

“Out of pain comes our passion and we find our purpose,” she said.

Today she runs the grassroots organization Fulfill Your Destiny, which awards $1,000 grants to people who are going through a crisis.


“I look for people who have survived—whether it be a job layoff and then became an entrepreneur, or an injury, or some sort or illness.”

Now a motivational speaker, Karen has also written a book called “Plaintiff 101” to help raise money for her charity. The book provides answers for people pursuing personal injury lawsuits and gives inside information to help them save time and money.

“By choosing to be better, and not bitter, I’m able to reach and inspire a lot of people.”

You can read Karen’s #1 Amazon Bestseller “Plaintiff 101” by clicking here.

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Happy Thankgiving!

Remember to give thanks for your life, loved ones, and health! What are you thankful for? Use that list as a mantra when going through hard times.

Happy Thanksgiving!


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Documentation Checklist for a Personal Injury case

After an accident, it’s easy to mix up or forget the details of your pain and treatment. By following a documentation checklist, you can make sure to keep track of everything important for your personal injury case.

man writing in a book

Pain and Suffering Journal

  • Starting on day 1, take detailed notes on how your injury has impacted your life
  • Note pain, suffering, and humiliation
  • Keep track of how your injury directly affects your daily life and relationships

Pictures and Video

  • At the scene of the accident, take as many pictures and videos as possible
  • Make sure to take pictures/videos of your injury and your ongoing treatment
  • Collect visual records that will be compelling during litigation

Medical Bills and Records

  • Medical bills and diagnoses will be used to estimate the damages of your injury
  • Medical costs help determine the dollar value of your personal injury case
  • Keep track of all medical paperwork and take detailed notes about doctor appointments

Police Report

  • Make sure you have a copy of the police report (if one exists)
  • Write down the police officer’s name and badge number
  • If there were witnesses to the accident, collect their contact information

Financial Documents and Receipts

  • Note your lost wages, unpaid bills, or any financial detriment that was a direct result of your injury
  • Log all of the little expenses related to your injury, such as medical supplies, healthcare services, or auto repairs

Accident Details

  • As soon as you can, write down everything you remember about the accident
  • No detail is too small
  • Note the time, weather, and what you were doing that day
  • Write down the things you saw and heard—even the way your body moved and reacted during the accident


For more information like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.


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