Tag: insurance-company
-
How Much Do Insurance Companies Pay for Pain and Suffering? – Simplified for High School Students
– The insurance company considers a variety of factors when calculating pain and suffering damages, such as lost wages, medical expenses, and therapy costs. – In Florida, injuries must be permanent in order to be compensated for pain and suffering. – It is important to keep and organize all documentation, bills, and receipts related to…
-
Is a Car Accident a Crime? – Understanding Your Legal Rights in a Car Accident
1. A car accident is usually considered a civil incident, but can become a criminal case if it involves driving under the influence, hit-and-run, or reckless driving. 2. Driving under the influence can result in serious penalties, including jail time and fines, especially if someone is injured or killed. 3. Hit-and-run occurs when a driver…
-
What Florida Insurers Should Know about Bad Faith Law Changes
– The Florida Supreme Court outlined an insurer’s good-faith duties in the context of third-party liability claims in the case Boston Old Colony Ins. Co. v. Gutierrez in 1980. – These duties include advising the insured of settlement opportunities, possible claim outcomes, and the potential for an excess judgment. The insurer must also fully investigate…
-
What to Do After a Car Accident When No One Takes the Blame
– Gather evidence at the scene, including photos of the damage and injuries, and talk to any witnesses – Provide as much information as possible to the police when they arrive, and be honest and detailed in your report – Seek legal advice if necessary, especially if you are in a state without no-fault laws,…
-
“Does Health Insurance Pay for Car Accident Injuries?”
– PIP insurance is required for anyone with an auto insurance policy in Florida – PIP covers medical expenses from car accident injuries, whether it’s the driver’s fault or not – PIP covers 80% of necessary medical costs for drivers and passengers up to $10,000 – PIP also covers lost wages and travel expenses for…
-
Life Insurance Basics: Choosing the Right Type for You
– Many people only start thinking about life insurance when they get a full-time job and are offered enrollment in their employer’s group life insurance policy. – Life insurance is a contract between an individual and an insurance company, where the company agrees to pay a specified sum of money to the beneficiaries upon the…
-
What to Do If You Get Hit by a Car While Riding Your Bike
– Leave the roadway to avoid further injury from traffic. – Call 911 and report the incident to the police. – Seek immediate medical attention, even for minor injuries, as some injuries may not show symptoms immediately. – When documenting the incident, it is important to collect information from the driver, such as their name,…
-
“Health Insurance Subrogation and Your Motorcycle Injury Case”
– Health insurance subrogation allows the insurance company to recover the money it paid for the medical treatment of an injured person in a motorcycle crash. – For example, if Mr. Jones has health insurance and is injured in a motorcycle crash, his health insurance company has the right to recover the money it paid…
-
Wrongly Accused in an Accident: What You Can Do
– The insurance adjuster will inspect the damage to both vehicles to determine the extent of the impact. – They will interview both drivers and any witnesses to gather their accounts of the accident. – The adjuster will also examine all available evidence, such as accident scene photos, police reports, and medical records, to determine…
-
“Pedestrian Right-of-Way Laws in Florida”
– In Florida, pedestrians only have the right-of-way when crossing a marked crosswalk or an unmarked crosswalk at an intersection. – It is everyone’s responsibility to maintain a safe environment, regardless of who has the right-of-way. – Pedestrians should be cautious when crossing at crosswalks and when a right turn is imminent. – A bicycle…
-
Florida’s Response to Last Minute Marriages
1. Florida law now allows family members to contest deathbed marriages, which previously allowed the surviving spouse to inherit the decedent’s property. 2. Deathbed marriages were often used by individuals to take advantage of elderly single persons and claim their wealth. 3. Surviving spouses in deathbed marriages had rights to live in the family home…
-
Florida’s Agricultural Bond Laws: A Tool for Collecting Money for Farming Issues
1. Any person involved in buying, receiving, soliciting, handling, or negotiating agricultural products from or for Florida producers must be licensed and bonded, unless exempt. 2. The purpose of the Florida License and Bond Law is to create a marketplace free of unfair trading practices and defaults, and to ensure that producers receive proper accounting…
-
“Taking Partial Blame for Your Slip-and-Fall Injury in Florida”
– In Florida, there is a two-year statute of limitations for filing a claim for slip-and-fall or trip-and-fall accidents. – Florida has a modified comparative negligence law, which means that if the injured person is found to share some degree of liability, their compensation will be reduced by the percentage of fault assigned to them.…
-
Delayed Injuries After a Car Accident
Delayed injuries from car accidents can include whiplash, back pain, and emotional distress. Even if symptoms don’t appear immediately, it’s important to seek medical evaluation as soon as possible. Consulting with a personal injury attorney can help in optimizing the claim to include compensation for delayed injuries, even if there is pushback from the at-fault…
-
“Should I Accept the First Offer from the Insurance Company?”
1. The first offer from the insurance company may not fully cover the damages suffered in the car accident. 2. Accepting the first offer means waiving the right to seek additional compensation for damages that may be discovered later. 3. Insurance companies may offer a lower settlement amount in their first offer in the hopes…
-
Florida Dive Shop Sues Insurer for Denying Business Interruption Claim
1. Mace Marine Inc., dba Conch Republic Divers, filed a lawsuit against Tokio Marine Specialty Insurance Co. for denying its business interruption claim due to the coronavirus pandemic. 2. The dive shop claims that the denial was improper, in bad faith, and a breach of contract, resulting in financial harm. 3. The shop had a…
-
When Your Workers’ Comp Check Doesn’t Arrive
– Some workers may not receive their workers’ comp benefits due to errors in determining their benefits. – Reasons for not receiving benefits or receiving less than expected include: employer providing incorrect wage information, errors in benefit amount calculation, and incorrect contact or payment information. – In such cases, individuals should contact an experienced workers’…
-
What to Do After Getting Hurt at Work
Step 3: File a Workers’ Compensation Claim Employees should fill out a workers’ compensation claim form and submit it to the Florida Division of Workers’ Compensation. It is important to do this within one year of the date of the accident to be eligible for benefits. Step 4: Follow Doctor’s Orders and Attend Medical Appointments…
-
Is Windshield Replacement Still Free in Florida? What High School Students Need to Know
1. Florida Statute §627.7288 allows individuals with comprehensive insurance coverage to have their cracked or broken windshield replaced for free. 2. Motorists with combined additional coverage also qualify for free windshield repair. 3. Comprehensive insurance pays to replace or repair a vehicle if it is damaged or stolen, not due to a collision. 4. Comprehensive…
-
Understanding Assignment of Benefits in Florida
– The Florida assignment of benefits statute affects both homeowners and businesses. – Section 627.7152 of the Florida Statutes outlines the requirements for a valid assignment of benefits agreement. – An assignment of benefits agreement involves the transfer of insurance benefits from the policy holder to a third party. – The validity and enforceability of…
-
Car Insurance Coverage in Multi-Car Accidents
– Multi-car accidents can be challenging to settle because liability issues must be thoroughly reviewed. – It is recommended to hire an experienced motor vehicle accident attorney if involved in a multi-car accident to navigate the claims process. – Multi-car accidents can occur due to chain reactions or vehicles being too close to each other…
-
What Happens if a Civil Case in Florida Goes to Retrial?
1. The principles guiding trial court’s discretion on remand include the need for a fair and impartial trial, the interest of justice, and the efficient use of judicial resources. 2. The trial court’s discretion may be influenced by factors such as new evidence, errors in the previous trial, and the credibility of witnesses. 3. On…
-
What Workers’ Comp Doesn’t Pay for in Florida
– Workers’ compensation in Florida covers initial care or treatment, out-of-pocket expenses, and up to 66-⅔ of total wages before the accident for injured workers. – Pain and suffering, pre-existing conditions, and injuries from reckless behavior or horseplay on the job are not covered by workers’ comp. – If an employee is injured by a…
-
“Florida Court Rules Tenant’s Insurance Payments Don’t Guarantee Coverage”
1. The Florida court ruled that a tenant’s payment of the landlord’s insurance premiums does not make the tenant a co-insured with the landlord. 2. The court allowed an insurance company to proceed with a $2.1 million negligence lawsuit against a tenant, even after covering the landlord’s losses from a fire. 3. The lease required…