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Understanding Florida’s PIP Law Time Restrictions

Understanding Florida’s PIP Law Time RestrictionsThe year 2013 introduced Florida’s new PIP laws, and these are laws that every motorist should be familiar with and concerned about. PIP stands for Personal Injury Protection, and the state of Florida requires each motorist to have at least a $10,000 policy covering PIP in order to operate a motor vehicle in the state. PIP in an insurance policy covers the driver and his or her injuries should he or she be involved in a crash, regardless of fault, but this law also brings some concerns to motorists when it comes to their coverage and what this law can do for them.

The PIP law was created to crack down on insurance fraud, but what it actually seems to have accomplished is making it more difficult for motorists genuinely involved in accidents to get the claim settlements they need to recover from their injuries in a safe and healthy way. When a motorist in Florida is injured in a vehicle accident, their insurance provider is tasked with covering their medical expenses and lost work wages, but the PIP... ...read full post

What To Understand About The Takata Airbag Recall

What To Understand About The Takata Airbag RecallOver the last several years, automotive recalls have gained international attention due to the fact that they are directly related to thousands of injuries and deaths. The most recent example is the Takata airbag recall, but it's just the latest in a long line of recalls.

The biggest issue with the Takata airbag recall is just how many vehicles it impacts – it's the largest auto recall in US history and affects about 34 million cars in this country alone. Here are the basics of the issue.

• It involves faulty construction within the airbag chamber.• On impact, the airbag can fling out pieces of shrapnel which can impale, cut, and even kill passengers and drivers.• The issue affects drivers and passenger side airbags.• Higher humidity areas like Florida are undergoing additional recalls related to the issue.

In short, it is another dangerous problem that is confronting drivers throughout the country and around the world, and one that deserves your attention. So just how does this recall – or any auto recall – impact you, and what should... ...read full post

Brian O Sutter
posted by Brian O. Sutter , in:
Recalls

What Steps To Take After An Accident

What Steps To Take After An Accident Millions of accidents occur in Florida every single year. And while most of them are minor, a large percentage will be fairly major – major enough to require medical attention and potentially even cause the victim to miss time from work or become disabled.

After you're involved in an accident, it can be difficult to focus on just what you should do. There are some obvious things and some that are constantly overlooked, but it's important to review all of the different steps in order to ensure that you are able to move on and recover – physically, emotionally, and financially.

The first and most obvious thing is simply making sure that you're okay physically. If you have been injured, seeking medical attention is a must. However, even those who may not think that they've been injured still need to see a doctor. The reason is that under Florida law, you only have fourteen days to seek medical attention. Wait longer than that, and you will become ineligible for compensation from a PIP policy.

If possible,... ...read full post

With Summer Rains Come Increased Accident Rates

With Summer Rains Come Increased Accident RatesPort Charlotte is like the rest of Florida in that it's a hot, wet city. The climate means that it regularly gets rain, and as the summer heats up those rains can increase in frequency. In fact, every year Florida receives around 3.5 inches more rain in the summer each month than during the spring or winter.

While those rains can be a godsend during the heat, bringing cooler temps and a refreshing quality with them, they can also be dangerous at times. Wet roads lead to increased auto accidents, and the rains can make visibility difficult while also causing other issues – everything from a car crash to a slip and fall accident can be blamed on the rains.

As a result, it's important to understand more about accident law, personal injury law, and how the rain impacts it. There are no solid answers since each case is different, but there are several key points that are worth understanding. Learning more about them can help you figure out what your rights are and whether or not... ...read full post

Determining Fault Is The Key To Determining Your Right To Compensation

Determining Fault Is The Key To Determining Your Right To Compensation Accidents are a daily occurrence in this country, and in Florida. With so many people living in and visiting Florida, the number of accidents happening at any time can be somewhat high. If you or a loved one is injured in an accident of any kind, it can be difficult to recover fully. While doctors can help you physically, their services aren't free, and can quickly add up to significant medical bills.

However, if you weren't responsible for the accident there is a good chance that you can seek compensation for your injuries from the responsible party. It's not always possible, and your best bet is to begin by speaking to an attorney during a free consultation. This can help explain to you whether or not you actually have the right to seek compensation, what to expect from the process, and any steps that you'll need to take.

Before you speak to an attorney, there are some things that can help you prepare. Understanding the basics behind fault... ...read full post

Unlocking The Secrets Of Florida PIP Law

Unlocking The Secrets Of Florida PIP LawWhile it's been in place for a few years now, Florida's PIP law is something that can easily confuse people – especially new drivers in the state. It's a unique approach to auto insurance that has met with a tremendous amount of resistance. Most of that resistance stems from the fact that the wording and design of the law actually takes away a lot of benefits from the policy holder, and also makes it easier for insurance companies to collect higher fees and avoid paying out settlements.

PIP, also known as Personal Injury Protection, is required of every Florida motorist. But unlike other states that require coverage that protects others on the road, PIP is designed to protect you. You'll be required to have at least $10,000 in PIP coverage, and that coverage is supposed to help pay for your medical costs if you're involved in any kind of accident – even if it's one that is your fault.

But there are a lot of stipulations and loopholes that help highlight why this isn't the best law, and why... ...read full post

Top 5 Things You Need To Know About Personal Injury Settlements

Top 5 Things You Need To Know About Personal Injury SettlementsThe world of personal injury law is complex and misunderstood. And making things even worse, many of those who are facing the need to seek compensation for their injuries assume that they understand it when they really don't. A few hours of watching a TV show doesn't make anyone a professional, but these days the internet and friends are filled with advice on how to get your compensation.

To complicate matters even further, many who are injured will be offered a cash settlement out of court and assume that they've successfully managed to secure their compensation successfully. But a settlement isn't always what it appears to be, and just because you have an insurance company offering to mail you a check doesn't mean that you're doing the right thing for your future. There are many things you should understand about a personal injury settlement, but 5 of them stand out as vital information.


• The First Offer May Not Be The Best – In fact, it's usually not. Insurance companies and those... ...read full post

A Closer Look At Workers Compensation Claims

A Closer Look At Workers Compensation Claims Nearly 20 million people live in the state of Florida, making it the third most heavily populated state in the country. It's here that we work and play, and while we'll luckily go through most of our days without issue there are occasions when injuries will occur. Accidents that take place in the workplace can be incredibly serious, and have very significant financial costs. Those costs are why worker's compensation laws are in place and why an employee hurt in an accident on the job will need to be sure to take the right steps to get the compensation they're owed.

Initially, you'll simply file a claim with the employer or through their insurance company. As long as you're injured on the job, they'll generally pay for your medical costs. However, it's not always the case – sometimes an insurance company may work to avoid paying for your injuries – especially if they're significant. This usually involves a variety of tactics including:


• Delaying a hearing
• Stating that you're ineligible
• Offering low settlement amounts




Additionally, the simple... ...read full post

Who Can Be Held Responsible For Injuries Sustained In An Accident?

Who Can Be Held Responsible For Injuries Sustained In An Accident?Florida roads can be dangerous, just like the roads throughout the country. The simple fact is that sometimes accidents will occur, and there's no way to avoid them. Recovering from an accident can be difficult. The combination of physical injury, mental and emotional damage, and financial hardships can make it very difficult to heal properly. While a doctor can help with the physical injuries, only a good personal injury lawyer can help you ease the financial strain of an accident.

By turning to a lawyer to handle your case, you'll make it easier to focus on your physical recover instead of on the stress of paying for those medical bills. They'll do the hard work for you and help you find out more about what steps you can take. And they'll also help you get a fair amount in any settlement offer.

However, one thing that often surprises those injured in an accident is that while the other party directly involved in the accident can be held liable, a lot... ...read full post

Understanding Why A Personal Injury Lawyer Is So Important After An Accident

Understanding Why A Personal Injury Lawyer Is So Important After An AccidentDue to the sheer size of Florida and the huge number of people who live, work, and play within its borders each day, accidents are an unavoidable fact of life. If you're injured in an accident, it can take some time to recover fully. Whether you're involved in a traffic accident, a worker's compensation claim, or a slip and fall accident on someone's property, it's important that you get the help you need to recover.

For many, that means finding a good doctor to help with your physical recovery. However, you need to go further than this in most cases. Securing a good personal injury lawyer is absolutely vital for anyone who has been injured in an accident. Here's a look at why that is.


• The most obvious reason is simple – results. The fact of the matter is that no matter how skilled or knowledgeable you think you might be where personal injury law is concerned, you can't match the experience of a good lawyer. They'll... ...read full post

Fighting The Insurance Companies Is A Sad Fact Of Personal Injury

Fighting The Insurance Companies Is A Sad Fact Of Personal Injury When it comes to accidents throughout Florida, the good news is that most of them won't' cause too many serious injuries. And even more good news is that the majority of Florida residents have insurance that can help them move on after an accident. But the bad news is that in many cases, insurance companies make it incredibly difficult to get the compensation you're owed – even when it's obvious that you're owed it.

Why is that? The simplest explanation is money – insurance companies are businesses, and the more that they have to pay out to you the less they make. As a result, they're constantly working towards finding ways to avoid paying a dime more than they have to. How do they do it? A number of ways. The most common include:

• Delaying a trial as long as possible, which creates a sense of frustration and desperation in the victim.• Offering small settlements – especially after dragging out and delaying a trial for an extended period.... ...read full post

Understanding A Wrongful Death Lawsuit

Understanding A Wrongful Death LawsuitFew things are as difficult as losing a loved one. However, it's a sad fact of life that eventually we must say goodbye. But when someone close to you dies due to the actions of someone else, it's important to understand that you may not have to struggle financially to move forward with your life. A wrongful death lawsuit is something you may be able to pursue.

Wrongful death lawsuits are about much more than a cash grab, and are even about more than getting some kind of justice. In reality, they're an important way to pick up the pieces, grieve, and begin to get your life back together after losing someone you love. Losing a loved one can bring with it significant financial challenges including things like a lost source of income, heavy medical expenses, and large funeral costs. If the death was caused by the reckless actions of someone else, you shouldn't have to shoulder the burden on your own. That's where a wrongful death lawsuit comes into play.

Speaking with an attorney is the best way to go about taking... ...read full post

An Accident Lawyer Uses A Variety Of Tools To Fight For Your Rights

An Accident Lawyer Uses A Variety Of Tools To Fight For Your RightsWhen you're injured in an accident, the recovery phase consists of several things. Chief among them is, of course, your physical health. But after your wounds heal, the damage an accident does to your budget can remain for some time. That's why it's incredibly important that you find a good accident Port Charlotte accident lawyer if you're injured in the area.

A personal injury lawyer works to help you in a variety of different ways, and taking a look at the tools, resources, and processes they utilize can help you better understand what to expect during their representation of you as well as why they're such an important part of your recovery.

The key job of an accident lawyer is to show that the accident that caused your injuries was the fault of someone else, and that their reckless or negligent behavior directly led to the accident. This can include a variety of things ranging from drunk driving to speeding to failing to install safety... ...read full post

Another Day, Another Recall

Another Day, Another RecallAs the years go by, more and more cars are recalled to fix defective parts and to address safety issues. In 2014, manufacturers recalled 64 million vehicles, more than in the previous three years combined. In part this was due to several high-profile and widespread defects, such as the GM ignition switches which can shut off power brakes and steering while at full speed and the Takata airbags which may potentially fire metal shards into the cabin when the airbag deploys.


Beyond The Headlines

Aside from the major parts failures that result in hundreds of deaths and injuries and millions of recalled vehicles, there are other circumstances that contribute to this high number.

At the most basic level, modern cars are far more complicated than ones built 50 years ago. Not only are there more moving parts attached to any given engine, but top-quality models include navigation and GPS software, cameras, steering assistance, and other features that rely on computers, software, and other hidden parts which could potentially fail after a few years of wear and tear.

Another reason is likely a more proactive atmosphere... ...read full post

Brian O Sutter
posted by Brian O. Sutter , in:
Recalls

Premises Liability: More Than Slips And Falls

Premises Liability:  More Than Slips And FallsThe laws regarding premises liabilities often get a bad reputation thanks to how some people choose to abuse the system for their own benefit. Often called “slip and fall” laws, some individuals will intentionally slip on a wet or icy section of a sidewalk, make up a significant injury to get a doctor’s report, and then sue the homeowner or business nearest to the sidewalk for medical and emotional damages.

However, despite this abuse, homeowners and businesses are still responsible for unsafe conditions on their premises, particularly if these conditions are known and not addressed. What follows is a list of just a few very real, very dangerous premises liability issues that may bring on personal injury or even wrongful death lawsuits.


Swimming Pools

Drowning is a very real danger inherent to any significant body of water, including swimming pools. Public beaches and pools have lifeguards on duty whenever they’re in use, and while homeowners aren’t required to hire a professional to watch them go swimming, they do have to maintain certain safety standards.

By Florida... ...read full post

Social Security Disability: Not Just For The Elderly

Social Security Disability:  Not Just For The ElderlyIf you receive a disabling injury while on the job, you’ll very likely get access to workers’ compensation benefits which will pay for your related medical bills and provide you with some replacement or supplemental income. But what if you get injured outside of work?

What if you get in a major car accident on your way to work or while you’re on vacation? What if you contract a disabling disease which is unrelated to your job? If you live in the United States and you pay Social Security taxes, then the federal government may be able to help you.


Strict Definitions

First of all, while a program like workers’ compensation will provide benefits and supplemental income until you reach around 80 percent of your previous income totals, the government has much stricter standards regarding how disabled you have to be to qualify. Generally speaking, you and your family need to be unable to earn enough money to get above the poverty line, and your disability needs to last for a full year... ...read full post

Wrongful Death, Florida Law, Compensation And Justice

Wrongful Death And YouThere are few things in this world as painful as seeing a loved one die. Whether it’s your parent, sibling, or particularly your child, being a survivor is always difficult. And if you have cause to think that someone else is responsible for your loved one’s death, dealing with the pain can be even harder. Filing a wrongful death suit will not bring your loved one back, but it may be able to force the person or organization responsible to pay for what they’ve done.


The Way It Works

Homicide and criminal negligence are criminal matters which the state prosecutes in order to impose a fine, a prison sentence, or very possibly the death penalty. In contrast, wrongful death suits are civil cases which typically must be filed by a direct relative or the executor of the deceased’s estate.

While criminal cases are about exacting justice, the purpose of a wrongful death case is to compensate the survivors or the estate directly. This compensation includes obvious matters such as medical and funeral expenses, but it can also include payments based on emotional... ...read full post

Know Your Rights: Workers’ Compensation

Know Your Rights:  Workers’ CompensationAccidents happen. They happen at any time and at any location, and if they should happen at your workplace you may be entitled to workers’ compensation.

Workers’ compensation is a large and complicated law, and it’s further complicated by the fact that the details tend to be different in every state. As an employee, your experience with workers’ compensation should be simple and straightforward: you get injured on the job, you inform your employer, you visit the doctors your employer’s insurance carrier tells you to visit, and the carrier pays for your medical bills and part of your weekly wages until you get back on your feet and you can start working again.

However, unless your injury is relatively inexpensive and straightforward, your experience is unlikely to go so smoothly. Insurance companies always do their best to limit their payouts, and their tactics may go so far as denying fair claims or else encouraging you to accept a settlement that gives you less money than what you deserve.

If you happen to be injured on the job in Florida... ...read full post