Ricardo M. Luces is a partner in the Miami office of Roig Lawyers and Co-Chair of our first-party property division.

As a civil litigator with over 25 years of experience, Ricardo has tried over 40 civil jury trials to verdict in circuit court. He focuses his practice primarily on Personal Injury Insurance Defense. Specifically, Ricardo specializes in the defense of BI and UM cases as well as cases involving Special Investigation matters. In addition, Ricardo also defends all types of first-party, property insurance breach of contract cases which include litigation involving denial of coverage, scope and pricing and mitigation company-assignment of benefit cases. He also assists the special investigation units for property insurance companies by securing Examination Under Oath testimony from claimants with questionable claims or claims operating under Reservation of Rights. Ricardo has extensive experience in taking expert witness depositions, arguing substantive, dispositive motions such as Motions for Summary Judgment or Motions to Dismiss for Fraud Upon the Court and serving as first chair at jury trial.

Prior to joining the firm, Ricardo served as Managing Attorney for the in-house counsel office of a national insurance company. He dedicated the first three years of his legal career to public service as an Assistant State Attorney with the Miami-Dade State Attorney’s Office where he handled serious felony cases. As an Assistant State Attorney, Ricardo tried over 25 jury trials and 50 bench trials. The trial and courtroom experience he gained as an Assistant State Attorney served as the foundation for the success he has enjoyed in the civil litigation arena.

Experience

  • Obtained a settlement on behalf of a national insurance carrier in a Bodily Injury case wherein the Plaintiff suffered injuries to his neck that resulted in a cervical discogram and cervical discectomy. After effectively deposing the Plaintiff and investigating the Plaintiff through discovery, the Plaintiff’s demand of $100,000.00 was rejected and the case settled at mediation for $2,000 over the Defendant’s Proposal for Settlement amount of $10,000.
  • Obtained a defense verdict in a bodily injury case in Miami Dade County circuit court wherein the Plaintiff had undergone a double lumbar fusion following a car accident with extensive property damage.
  • Effectively cross examined Plaintiff’s accident reconstruction expert in a serious bodily injury case in Miami Dade County involving 2 Plaintiffs and obtained a defense verdict in Circuit Court.
  • Won a defense verdict in an Uninsured Motorist case in Broward County Circuit Court where the Plaintiff had undergone cervical disc surgery following his auto accident. The past medical bills exceeded the amount of the Plaintiff’s policy limits.
  • Won a defense verdict in a bodily injury case in Broward County involving a motorcycle accident. Plaintiff claimed he had suffered a permanent injury to his ankle as a result of the subject accident.
  • Obtained a defense verdict in Sarasota Circuit Court in a bodily injury case wherein the Plaintiff was a nurse and claimed permanent injuries to her neck, shoulder and low back. Ricardo effectively used Plaintiff’s own medical records to impeach Plaintiff’s experts and obtain a defense verdict.
  • Obtained a settlement on behalf of a national insurance carrier in an uninsured motorist claim wherein Plaintiff suffered injuries to his low back that resulted in a double lumbar fusion surgery. After effectively deposing Plaintiff’s surgeon, Plaintiff’s excess demand of $750,000 was reduced significantly to $100,000 thereby saving the carrier substantial amounts of money and exposure to a bad faith lawsuit.
    Won a defense verdict in Monroe County Circuit court in a bodily injury case wherein Plaintiff was claiming permanent injuries to his lumbar spine with objective findings on MRI. Ricardo impeached the Plaintiff and his experts with the use of Plaintiff’s own medical records and surveillance video of Plaintiff.
  • In Martinez v. UAIC, Ricardo argued against a motion for summary judgment and the motion was denied by the court. Eventually, the case made its way to the Florida Supreme Court and the arguments made by Ricardo at the county court level were upheld by the Court thereby substantially changing PIP litigation.
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Awards & Rankings

  • South Florida Legal Guide: “Top Lawyer” 2019
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Memberships

  • The Florida Bar, Member
  • American Bar Association, ABA Tort Trial & Insurance Practice Section
  • Claims and Litigation Management Alliance, Member
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Speaking Engagements

  • Speaker, “Evidence: The Building Blocks to a Successful Jury Trial,” FDLA & DRI Webinar Series, April 2020
  • Speaker, “Game of Drones – An In-Depth Look at How Drones Will Fundamentally Change the Insurance Industry” – Florida Advisory Committee on Arson Prevention Seminar, March 2020
  • Speaker, “Game of Drones – An In-Depth Look at How Drones Will Fundamentally Change the Insurance Industry” IASIU S. Florida Chapter “Fire for Hire” – Fraud Awareness Symposium Training, October 2019
  • Speaker, “The Best Interest of the Insured – When Public Adjusters Go Too Far,” Florida Insurance Fraud Education Committee Conference, June 2019
  • Speaker, “Evidence: The Building Blocks to a Successful Jury Trial,” FDLA – Florida Liability Claims Conference, June 2019
  • Speaker, “Evidence: The Building Blocks to a Successful Jury Trial,” FDLA – Florida Liability Claims Conference, June 2019
  • Speaker, “Using Social Media In Fire Investigations,” Florida Advisory Committee on Arson Prevention Seminar, March 2019
  • Speaker, “Evidence: The Building Blocks to a Successful Jury Trial,” December 2018
  • Speaker, “When Adjusting Goes Too Far,” Roig Lawyers Continuing Education Webinar Series, July 2018
  • Speaker, “Liability Law Update,” CEU Institute, June 2018
  • Speaker, “The Best Interest of the Insured – When Adjusting Goes Too Far,” 2018 Florida Liability Claims Conference, June 2018
  • Speaker, “Using Social Media to Investigate and Defend Claims,” 2018 Florida Insurance Fraud Education Committee Conference, June 2018
  • Speaker, “Using Social Media to Investigate and Defend Claims,” Roig Lawyers Continuing Education Webinar Series, October 2017
  • Speaker, “Water Mitigation Claims,” 20th Annual Florida Liability Claims Conference (FLCC), June 2017
  • Speaker, “Social Media: Ethics, Investigating and Defending Claims,” Bunch CareSolutions, LLC, January 2015
  • Speaker,  2015 Domestic Violence Program, October 2015
  • Speaker, “Impeaching Plaintiff Experts using CPT code and ICD9 coding”
  • Speaker, “Uncovering Medical Billing Fraud”
  • Speaker, “The Positive Effects of Diversity & Inclusion”
  • Speaker, “The Use of Internet/Social Media Investigations in BI/UM Cases”
  • Speaker, “Proximate Cause and Comparative Negligence”
  • Speaker, “Effective Teamwork: How to go from “ME” to “WE””
  • Speaker, “How to Conduct an Effective Impeachment of Plaintiff’s Expert Using Plaintiff’s own Medical Records”
  • Speaker, “Damages in a BI/UM Case”
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Community Involvement

  • Nova Southeastern University Law School Moot Court Competitions, Judge
  • Miami Dolphins, AARP Foundation One Million Meals Project, Volunteer
  • We The People Miami Dade County High School Mock Trial Competition, Judge 2016 and 2017
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Admitted to Practice

  • Florida, 1994
  • United States District Court for the Southern District of Florida
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