March 26, 2009

Motorcycle Owners Should Purchase Medical Payments Coverage

Do you own a motorcycle? Who is going to pay your bills if you are involved in an accident? If you live in Southwest Florida and drive a motorcycle, make certain you purchase Medical Payments Coverage from your insurance carrier.

In Florida, Personal Injury Protection (PIP) Coverage only applies to bodily injury sustained in a motor vehicle accident by the named insured, relatives residing in the same household, persons operating the insured motor vehicle and pedestrians struck by the insured motor vehicle. The PIP coverage will pay for 80% of your reasonable medical expenses up to $10,000.00. If you are on a motorcycle at the time of the accident, the Florida PIP law does not afford you this coverage.

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March 20, 2009

Amanda Downing, Fort Myers, Florida- Personal Injury Attorney

Can "My Space" and "Face Book" hurt your case? Absolutely.
After you have been involved in an auto accident and reported the accident to your insurance company and/or the at fault party's insurance company.....Beware. The insurance company and their adjusters, claim representatives, investigators and/or lawyers will perform a search of your name on the internet, specifically, "Face Book" and "My Space".

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March 13, 2009

Amanda Downing, Fort Myers, Florida- Personal Injury Attorney

We strongly suggest you follow these 10 tips after an accident:
1. KEEP CALM Call 911 to report the accident and be sure to advise the 911 operator if anyone is injured. In Florida, you are required to have a Traffic Crash Report completed if the crash results in death, bodily injury or damage to property of at least $500.00.
2. MOVE YOUR VEHICLE If your vehicle is a hazard for other vehicles, move it out of the way if it is safe to do so.
3. AVOID FURTHER INJURY Turn off the ignitions of all cars involved. Do not move an injured person unless they are in immediate danger; try to keep him or her warm. Stand away from the vehicles in case they are hit again.
4. AVOID CONFRONTATION AT THE SCENE The scene of a car crash is no place to get into an argument with the other driver(s) over who is at fault. It is best not to discuss how the accident happended. Wait for the police and cooperate fully with the police.
5. EXCHANGE INFORMATION Although you shouldn't discuss responsibility for the accident with the other driver(s), you SHOULD exchange information. Specifically, you will beed to exchange driver's licenses, registration, license plate numbers and insurance information. Make sure the insurance card they provide you has current effective dates.
6. WITNESSES Even if the other driver admits fault, it is still helpful to obtain the names, home addresses and all telephone numbers of as many witnesses as possible.
7. SEEK MEDICAL ATTENTION If you experience even minor pain, you should see medical attention as soon as possible.
8. TAKE PHOTOGRAPHS We recommend that you keep a disposable camera in your glove box. Photograph any injuries to your body and make sure that all areas of damage to your vehicle are photographed before repairs are done.
9. PROTECT YOUR RIGHTS Although you generally must provide reasonable cooperation with your own insurance company's investigation of the accident, the same is NOT true for the at fault driver's insurance company. For example, you are under no obligation to provide the other driver's insurance company with any sort of statement concerning the accident. You should consult with an attorney before giving a statement to anyone-even your own insurance company.
10. CONSIDER CALLING US AS SOON AS POSSIBLE We have vast experience in handling motor vehicle and motorcycle accident cases. We care, and we will help you take all the appropriate steps to protect your rights and interests. Why settle for less?

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March 9, 2009

How Important Is Gap Coverage?

Very Important. Gap insurance coverage is insurance for your vehicle (loan or lease) which provides protection for the amount greater than the actual cash value you are liable for (how much you still owe) after the total loss of your vehicle from either theft or from an automobile accident. http://http://www.dellutrilawgroup.com/lawyer-attorney-1351138.html

For example, if, as a result of an auto accident, your vehicle is a total loss, and it is worth $8,000.00 but you still owe $12,000.00 to the lender or lease holder, you are responsible for the difference. In this scenerio, Gap coverage would cover the difference that is still owed ($4,000.00 in the prior example).

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September 8, 2008

Changes Are Coming Soon

If you are an avid reader of the Florida Injury and Accident Lawyer Blog or if you are not, get ready for some major changes to be coming your way. Our blog is having some touch up work being performed, kind of like a tune-up and a new coat of paint for the car. We might even throw in a couple of cool features for you.

But, we are gonna need your patience while this little bit of magic takes place. Remember, we are attorneys not computer dudes.

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July 19, 2008

How You Can Hurt Your Personal Injury Case

When a victim in a personal injury case make a claim against an insurance company, it seems that the victim is the one on trial because he or she is making a claim for his or her injuries. While this may seem impractical to most people, those of us in this industry understand why this happens, and we deal with it. Trust me, we don't like it either. However, the one thing we don't enjoy is when a client become his own worst enemy. It has happened to every personal injury attorney. My first client who killed his case came into my office on a Monday morning telling me how much pain he was in. I believed him. The next day, he was on the cover of the Newspaper giving an interview in his work-out clothes and discussing his work-out regime. He wasn't a client after that. Although this is an extreme example of how someone can hurt their own cases, there are other ways, more subtle ways.

For example, personal Injury cases open the books to the victims previous medical conditions which may have some relationship to the damages being alleged by the victim in this action. Let's say you had a prior neck surgery as a result of an old football or cheerleading injury. As a claimant, you must be open and honest with your attorney and disclose all of your previous medical issues. It is better to be open and honest, rather than trying to hide the previous neck surgery. It will come out sooner or later, and then you look like the bad guy or girl. Trust me, the insurance company is looking for anyway not to pay you the value of your case. Therefore, you don't need to give them additional ammunition. If you have something that embarasses you, we can deal with it, just let us know.

This is just an example of one of the ways in which you can hurt your case. Other examples include: Giving recorded statements to the insurance company, Completing insurance forms without your attorney reviewing same, etc.

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December 4, 2007

What To Do If You Are In A Car Accident In Florida.

As a personal injury attorney, I see the devastation that follows a car accident each and every day. Think about it, you are driving along without a care in the world, all things seem to be going your way, and then Wham, another driver was not paying attention, and you wake up in the hospital. Who is going to pay your bills? Who is going to fix your car? These and other questions are normally asked when a client contacts us for the first time. The most important things to remember after you are in a car accident are:

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