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What is inside
- The three tiers, and why the same diagnosis can land two people on very different rungs
- How Florida's permanency threshold under section 627.737 controls pain and suffering damages
- The disc treatment ladder, from conservative care through injections to fusion
- How fractures, joint injuries, head injuries, and scarring are actually evaluated
- Why medical bills move a claim within a tier but almost never between tiers
- What an auto insurer really does with your bills before it makes an offer
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