If you are involved in a motor vehicle accident, in which you are NOT at fault, the at-fault driver will be liable for the cost to repair your vehicle, or, if the vehicle is deemed a ‘total loss’, the actual cash value (ACV) [also known as fair market value (FMV)] of your vehicle. Fair market…
Should I report my accident to the insurance company I am often asked, “If I submit a claim to my insurance company will my insurance company cancel my policy or will my rates go up”. The answer is, “not necessarily”. It depends on whether you were ‘at-fault’ for the accident and the number of prior…
What should you do if you slip and fall at the grocery store? Fill out an incident report. Take pictures of the substance or condition which caused your fall. Seek medical attention if injured. Call me. Fill out an incident report While you may feel embarrassed because you fell, it is in your best interest…
To know if you are properly insured you it is helpful to understand what each coverage provides. Personal Injury Protection (PIP or No-Fault Coverage) PIP provides coverage to the insured for medical bills and lost wages regardless of fault. Thus, if you are involved in an auto accident with another vehicle, your PIP provides coverage for…
“What is stacking UM insurance? Why would I need it, especially if I only have one vehicle?” In Florida, if you purchase bodily injury (BI) coverage, the insurance company must provide you the option of purchasing UM coverage equal to your BI coverage limits and must also provide you the option of purchasing “stacked” or…
General Statistics The National Safety Council reports that cell phone use while driving leads to 1.6 million crashes each year. Nearly 390,000 injuries occur each year from accidents caused by texting while driving. 1 out of every 4 car accidents in the United States is caused by texting and driving. Texting while driving is 6x…
The purpose of this blog is to give the client a basic understanding of the claim process and a basic understanding of the time parameter in which a case can either be settled or proceed through trial. Since the case can settle at any time during this process it is difficult for me to give…
If you loan your car to a friend, you can be financially responsible for injuries caused by your friend’s negligence. That is because Florida recognizes the “dangerous instrumentality doctrine” which holds that the owner of a dangerous instrument can be vicariously liable for injuries caused by the negligent use of that instrument. Originally items such…
My clients they often ask me, “what’s my case worth?” to which I respond, “it depends”. The short answer is your case is equal to the sum of: a) Past Medical Bills (+) b) Future Medical Bills (+) c) Past Lost Wages (+) d) Future Loss of Earning Capacity (+) e) Past Pain & Suffering,…