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Car Insurance and Personal Injury Claims

Car Insurance and Personal Injury Claims

When a personal injury claim is related to an auto accident, car insurance is typically the first line of defense for both injured parties and those legally responsible for the injuries. In most cases, the injured party is able to recover for their injuries simply by filing a claim against the responsible party through the responsible party’s auto insurer. Assuming the responsible party’s insurer pays out and the policy offers enough coverage to pay the claim in full, the process can stop there. Injured parties may also have the option of making a claim for their injuries with their own insurer depending on the coverage they carry. Either way, throwing car insurance into the mix of a personal injury claim can substantially affect the process and outcome of the claim. Understanding Car Liability Coverage Liability coverage is the portion of your policy that pays for other’s injuries in an auto accident that you cause. Liability coverage has several different aspects to it, including property damage you cause to the other party in an at-fault accident. However, the portions relevant to personal injury claims are bodily injury liability limit per person injured, and bodily injury liability limit per accident. Bodily injury per person injured sets a maximum benefit for each party who is injured in an accident you cause, up to the limit of your policy. Bodily injury per accident sets a limit for what the insurer will pay for all the injuries associated with one accident. Where you might run into trouble as a plaintiff or as the responsible party is if your per-person or per-accident limits fail to cover the total...
Getting Full Compensation After an Automobile Accident

Getting Full Compensation After an Automobile Accident

In November 2016, an elderly man was awarded $1,041,697 compensation for an accident injury that happened almost five years prior when another driver rear-ended him. The plaintiff had pre-existing medical conditions prior to the accident, but that is also what prevented him from receiving the treatment any other ordinary individual would have received after the accident. How did this man win a $1,041,697 compensation lawsuit you may wonder, well it is because he had a professional personal injury lawyer on his side who presented his case, facts by facts to the jury. The jury heard about the life changes that occurred to the man as a result of the automobile accident and was made aware of the costs and efforts that the man would be subjected to for the rest of his life. The elderly man’s lawyer basically proved that the other driver involved in the accident was negligent and responsible for the exacerbation of the plaintiff’s medical issues. Most people who get involved in automobile accidents often suffer from huge medical bills and increased household debts. They miss some time from work and even suffer from mental stress due to the accident. Some even lose out on their life savings and insurance because of a personal injury sustained from an accident. Most of these people do not seek compensation for these life-changing injuries. It could be because they do not know how to go about making the claim or they just feel like it is difficult to prove that the other driver was responsible for the accident. It’s even worse for people with pre-existing medical conditions, proving that an automobile...
Common Personal Injury Cases

Common Personal Injury Cases

Several types of accidents can result in personal injury cases. Most personal injury victims are not aware that someone else’s negligence may have caused their accident. Having this knowledge can lead you on the right path of collecting compensation for your injuries. Hiring a professional legal team can help you to determine if your accident is due to negligence and fight for your compensation. Several accidents can result in personal injury (also known as PI) cases, but these are the most common. Auto Accidents Auto accidents are one of the most common causes of personal injury cases. If another driver hit you in an automobile accident and sustained injuries, you might be eligible to seek financial compensation for your injuries. Drivers can be held responsible for negligence if they were speeding, driving while under the influence, traffic violations, and much more. Your PI lawyer will work with the additional parties involved with your case to determine the circumstances. Accidents in the Workplace Another common PI accident results from workplace injuries. If you are a victim of a workplace injury, you may be able to seek workers compensation for the injuries you sustained while on the job. Hiring your personal injury lawyer early on will help your case due to their knowledge about the legalities involved with Workers Compensation cases. Slip & Fall Slip and falls can be very dangerous and lead to several injuries. While they can happen anywhere and to anyone, there are many things to take into consideration when filing your case for compensation. If you slipped and fell due to unsafe conditions such as wet paint or pavement,...

Lesser Known Florida Driving Laws

For some of us, studying for our license was a months-long process with flash cards, color-coded highlighting, pop quizzes, and group study sessions. For the rest of us, it was more like a mad dash to the finish line after days of cramming. We’ve put together some of the lesser known Florida traffic laws that may surprise you.   You must move over for tow trucks We’ve all seen the signs on the highway urging us to move over for emergency vehicles. But did you know this law also extends to tow trucks that are responding to an accident or disabled car? Moving over a lane helps to ensure the safety of all people present at, or responding to, an emergency scene.   Minimum speed limits are a real thing You may think you are being extra safe by driving slowly on the highway, but minimum speed limits (just like maximums) are in place for the safety of all drivers. As a general rule, the minimum speed limit on most highways is 40 miles per hour. If the maximum speed is 70 miles per hour, the minimum increases to 50 miles per hour.     You can’t drive with your hazard lights on Contrary to popular belief, hazard lights are only to be used when your car is stopped. The intended purpose of these blinking lights is to help identify immobilized vehicles that may be obstructing traffic flow to approaching vehicles. Hazard lights are not to be used while your vehicle is moving for any reason- including heavy rain. If weather conditions become too intense or obstructive for your personal...

Travel Safety During the Holidays

With holidays coming up, many of us will be traveling to visit our friends and family. Traveling during the holidays can definitely take its toll; with all the hustle and bustle mixed with thousands of people traveling through airports it is not usually a relaxing time. Below are 3 golden rules everyone should remember when traveling via airplane: The Flat Tire Rule: The “flat tire rule” gives check-in agents flexibility to accommodate passengers who may have missed their flight due to any traffic or road issues one may have encountered on the way to the airport. Although many airlines will accommodate, it is still in your best interest to contact your airline provider immediately as soon as you know things are not going well. Stay Connected: Download the latest travel apps before leaving home and constantly check on your flight status. This will give you real-time updates on any delays, baggage numbers and more. Pack Light: If at all possible, avoid checking bags altogether. This way you will avoid having to wait for your luggage and won’t have to worry about losing your luggage. Pack Snacks: You never know how long you will actually be on an airplane – delays can definitely get the best of us. Pack snacks so you and your stomach will be fueled and ready to take on your travel adventure! Ship Gifts: TSA suggests to ship your wrapped gifts or wait until you have reached your destination to wrap them as they may have to unwrap a present to inspect it. Check out the full article here. Contact us: If you face any issues...

Tips for Safe Teen Driving

Unfortunately, statistics show that teenage drivers account for more auto accidents than any other age group. Through practicing safe driving techniques, the odds will hopefully increase and your teenager (and their passengers) can stay safe on the roads. Below are some great and very important tips to go over with your teen before they begin driving. Stay away from the phone! This is one of the most important things to go over with your teen. Cell phones are one of the leading causes of car accidents among teens and can easily be prevented. Multiple studies have shown that using a cell phone while driving is the equivalent of driving drunk. Let your teen know just how important it is to stay away from their phone at all times while driving (even when they are stopped) and just how dangerous it can be. Turn on your lights: Headlights are an important feature of cars and allow us as drivers to have increased visibility as well as allow other drivers to see you better even when it is light out. Obey the speed limit: Speeding is another major contributor to fatal teen accidents. Explain to your teen driver they should not feel pressured to keep up with the traffic if it seems as if everyone else if flying by. Driving at a safe speed helps to ensure your well-being and can keep you away from expensive traffic tickets that can cause a huge spike in auto insurance premiums! Keep distractions at a minimal: As inexperienced drivers, teens are more likely and apt to lose control of their cars. Distractions can significantly...