Uninsured Motorist Coverage (UM) is insurance that you can purchase on your own policy to protect you if the person who injures you in a car accident has little or no insurance coverage. Florida law does not require drivers to purchase insurance coverage to pay for bodily injury they cause to others in car accidents! There are a surprising number of people who have no Bodily Injury Coverage (BI)...
read more? A no-fault state is one that has decided, through the laws of that state, that each owner and operator of a vehicle will be required to carry coverage on their automobile insurance to be used to cover medical expenses should an accident occur, regardless of
who is at fault for that accident. This coverage, called
Personal Injury Protection, PIP, or No-Fault, are all the same thing, and becomes...
read more? If you have had an accident in recent months, your insurance claims adjuster may ask for a recorded statement. Sometimes, when you give a statement, it can expedite the investigation, and it can speed up the process of your settlement claim. However, all too often, these statements are used by the insurance company to jeopardize your claim. It may be wise to exercise caution when asked to give a...
read more? Concussions are the most common kind of head injury, affecting millions of people in the US every year. They are frequently associated with sports-related accidents, but can also be caused by car accidents, trip and fall injuries, falling objects, and assaults. Depending on the extent of harm done and the quality of care received by the patient, the consequences can range from mild discomfort to...
read more? Concussions are the most common kind of head injury, affecting millions of people in the US every year. Known as a mild traumatic brain injury, concussions are generally caused by bumps, blows or jolts to the head or body, causing the brain to move in the skull and affect normal brain functionality. While frequently associated with sports-related accidents, they can also be caused by assaults,...
read more? When you are found to be
not at fault for an accident, your insurance company should not raise your rates on your policy for having to use the coverages afforded to you under state law and that you have specifically purchased to protect yourself when an accident occurs. An insurance company can raise rates for a variety of reasons and if you are concerned about whether your rates have, or will...
read more? Florida is known as a No-Fault State. Every automobile insurance policy issued in Florida has a provision called Personal Injury Protection. This is also known as PIP or Florida No-Fault coverage. When an automobile accident occurs, regardless of fault, your insurance policy, through your Personal Injury Protection provision, pays for your initial medical bills. This provision states...
read more? https://youtu.be/EnKRcZvgKw8 Just like when buying a new car, the best thing you can do is arm yourself with knowledge. The internet is your best resource.
Kelly Blue Book and
NADA are the standards in the industry to find the actual cash value (ACV) of your car. Check out the classified advertisements in your local newspapers, search websites like
Craigslist, and check with the car...
read more? Your car is considered totaled if the damages are not repairable or if price of the repairs will cost more than the actual value of the vehicle. Do your homework. Check the internet (such as Kelley Blue Book) or NADA for the actual cash value (ACV) of your car, check out the classified advertisements in your local newspapers, and check with the car dealerships in your area. Look for the prices...
read more? Figuring out who is at fault in an accident is a matter of deciding who was careless. For traffic accidents, State traffic laws provide guidelines by which liability may be measured. These rules apply not only to automobiles but also to motorcycles, bicycles and pedestrians. In some cases, a driver may be liable for an accident even if he/she was obeying, for example, the posted speed limit, if...
read more? A claim for injuries sustained in an automobile accident is usually based upon carelessness or negligence. In worse case scenarios, it is based on an intentional or reckless act. The two categories of issues that typically arise in a tort claim after an automobile accident are the following:
Liability – who is at fault and to what degree
Damages – injuries or losses caused by the accident
...
read more? If you have been injured, you will likely have medical bills from physicians, hospitals, physical therapists, and other health care providers. Those bills will be in your name and will typically be sent to your address. You are primarily responsible for paying your bills, regardless of the cause of your injuries. The at-fault person’s liability insurance carrier will be responsible for paying...
read more? When you have been in a car accident,
truck accident or
motorcycle accident, understanding what to do next is of vital importance. Obviously securing the safety of everyone in the accident is the first priority. Call 911 if anyone is injured. Get the name and address of the driver of each vehicle. The owner of the vehicle may not be the same as the driver, so be sure to also get the name and...
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