Tag: insurance-coverage
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“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…
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“Insurance Requirements for Florida Contractors”
– Florida contractors are required to have public liability and property damage insurance in place in order to obtain or renew their construction license. – The Construction Industry Licensing Board conducts random sample audits of licensees to verify insurance coverage. – License holders must provide proof of insurance coverage in the form of an original…
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What is a Florida Letter of Protection?
– A letter of protection (LOP) is an agreement between a patient and a medical provider, where the provider agrees to treat the patient without immediate payment, in anticipation of receiving payment from a lawsuit settlement or judgment. – LOPs are commonly used in Florida due to the 80% coverage of accident-related medical bills by…
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Understanding Florida’s Personal Injury Protection (PIP) Coverage: What You Need to Know and How to Stay Protected
– Personal Injury Protection (PIP) is mandatory in Florida and is a required coverage under every car insurance policy. – PIP provides coverage for medical expenses and lost wages regardless of who was at fault for causing the accident. – It is important to seek necessary medical attention after a motor vehicle accident, especially if…
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Title Services for Buying a Home | Real Estate Services Company
– Title insurance protects the buyer if an error is made during escrow that causes the title to be flawed. – Title services ensure that any previous owners have officially transferred their ownership to the buyer so they can share it with their bank. – Title attorneys specialize in real estate law and can help…
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Florida Car Insurance Rules and Common Questions
1. The impact of climate change is leading to rising sea levels. 2. The use of plastic is causing harm to marine life. 3. Deforestation is contributing to loss of biodiversity. 4. Air pollution is affecting human health. 5. The increase in greenhouse gas emissions is causing global temperatures to rise. – Florida requires a…
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“Florida’s Top 2018 Law Changes: What You Need to Know”
1. The Florida Legislature passed amendments to the corporate income tax, allowing for partial adoption of the Federal Internal Revenue Code and maintaining a corporate income tax rate of 5.5 percent (House Bill 7093). 2. For commercial leases in Florida, the sales tax for commercial rental payments is reduced from 6 percent to 5.7 percent…
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Changes to Florida Law for Personal Injury Cases
– Florida law restricts recovery of future medical expenses to those expenses “reasonably certain” to be incurred. – Evidence must be provided to support that future medical services are reasonably certain to occur. – Awarding damages for future medical expenses cannot be based on the mere possibility of obtaining certain treatment in the future. –…
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Changes in Florida Insurance Laws: What High School Students Should Know
1. Florida Governor Ron DeSantis signed HB 837 into law, which made significant changes to Florida’s bad faith insurance framework and one-way attorney fee provisions for insurance cases. 2. Senate Bill 2A, enacted in December 2022, aimed to limit one-way attorney fees in property insurance claims by removing the right to attorney fees in suits…
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Understanding Fee Multipliers in Legal Cases
1. In tort or contract cases taken on a contingency, factors to consider when determining the appropriateness of a fee multiplier include whether the relevant market requires a contingency fee multiplier to obtain competent counsel, whether the attorney was able to mitigate the risk of nonpayment, and whether any factors set forth in previous cases…
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What Every High School Biker Needs to Know About Insurance Coverage
1. Many Florida motorcyclists and motorcycle enthusiasts need to understand the importance of uninsured/underinsured motorist coverage. 2. In Florida, the bare minimum insurance coverage does not cover a rider’s injuries in the event of a crash. 3. Uninsured/underinsured motorist coverage is crucial for riders as it steps in to cover injuries and damages resulting from…
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Florida Passes New Laws to Limit Lawsuits and Insurance Claim Disputes
– Florida has replaced its system of pure comparative negligence with a modified comparative negligence regime. – The statute of limitations for general negligence actions has been shortened from four years to two years. – The standard for bad-faith insurance claims has been amended. – The bill outlines the evidence that a factfinder should consider…
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“Becoming a Building Contractor in Florida”
– Florida requires individuals to complete the Florida contractors’ examination to become certified contractors. – The examination consists of different parts depending on the type of license sought. – Applicants must have the required ability, knowledge, skill, and experience in various construction areas such as foundation/slabs, masonry walls, and steel erection. – Applicants for the…
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Financial Compensation for Whiplash and Concussion Injuries
– Whiplash injury occurs when the head and neck are suddenly snapped forward and backward, causing soft tissue injuries. Symptoms may appear days later and can be challenging to treat. – Concussion is a traumatic brain injury (TBI) caused by a violent blow or severe shaking to the head. It can lead to other neurological…
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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…
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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…
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Car Insurance: Stacked vs. Unstacked – What You Need to Know
– Stacking insurance allows you to combine uninsured/underinsured motorist (UM) coverage from multiple vehicles on your policy, providing higher coverage limits. – Unstacked insurance only provides the UM coverage limits for the specific vehicle involved in the accident. – Stacking is recommended, especially in Florida where many drivers are uninsured, to ensure adequate coverage for…
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Understanding Attorney’s Fees in Florida
– Attorney’s fees in Florida are only available if allowed by contract or statute. – Attorney’s fees incurred outside of litigation may be recoverable as compensatory damages, if pled as special damages in a later lawsuit. – Non-litigation related attorney’s fees may be recoverable as special damages if they were necessary due to a tortfeasor’s…
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“Becoming a Certified General Contractor in Florida”
– The construction industry in Florida is experiencing a period of growth. – In Florida, individuals are granted construction licenses rather than corporations. – Applicants for certified licenses must complete the Florida contractors’ examination. – Division I contractor examinations are made up of three parts: contract administration, project administration, and business and finance. – Division…
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Filing a Lawsuit for Personal Injury
– The statute of limitations to file a personal injury claim in Florida is four years, but it is three years if the claim is against a government entity, and/or two years in medical malpractice matter from the date the person knew or should have known that their injuries were the result of a third…
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“Understanding Uninsured Motorist Coverage and How It Protects You”
1. Florida has one of the highest rates of uninsured motorists, with approximately 26.7% of drivers lacking auto insurance despite it being required by law. 2. Uninsured motorist coverage provides reimbursement for damages if the policyholder is in an accident with a hit-and-run driver or a driver without insurance. 3. Underinsured motorist coverage provides additional…
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“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…
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Stay Protected on the Road: Make Sure You Have Underinsured/Uninsured Insurance Coverage!
– Alabama and Florida have a high percentage of uninsured drivers, at 19.5% and 26.7% respectively. – These states also have many drivers who carry only the state minimum insurance coverage, which is often not enough to cover damages in a serious accident. – Uninsured and Underinsured Motorist Coverage, or UM and UIM coverage, provides…
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“Changes to Florida Medical Laws to Protect Patients: What You Need to Know”
– HB 837 replaces Florida’s pure comparative fault system with a modified comparative fault system. – Under the new system, claimants found to be at least 51% liable for an incident cannot seek reparation from the other party. Uniformity in Proving Damages for Medical Expenses – The legislation establishes a uniform evidentiary threshold for proving…