What is Uninsured Motorist Coverage?
A clause that is found in most United States automobile insurance policies is the uninsured motorist clause. This clause is a policy that states that a driver can receive damages for any injury he or she may receive due to an uninsured and negligent driver.
What Does Uninsured Motorist Insurance Cover?
Uninsured Motorist insurance covers injuries and medical expenses that arise due to an accident that was the fault of the uninsured motorist, or the motorist whose insurance doesn’t cover what it is needed. The coverage is in place to protect you if you are involved in an accident with an at-fault driver that does not carry sufficient auto insurance or liability insurance.
Uninsured Motorist Coverage in Florida
In Florida, we recognize a no-fault insurance system which requires that every driver carries Personal Injury Protection (PIP) which can then compensate the insured driver for medical treatment regardless of who is found to be at fault of the accident.
PIP only covers the cost of medical treatment, lost wages, and other incidental costs that are involved with the medical expenses. PIP does not compensate for any pain and suffering endured due to the accident,... ...read full post
What Insurance Companies May Not Tell You
Insurance companies are organizations that are looking to profit and may not always have your best interests at heart when it comes to any sort of claim. However, the focus of an insurance company really should be on the welfare of their clients, rather than the bottom dollar and their overall annual revenue figures.
The following are just a few things you should know about insurance companies and what may happen behind closed doors after they receive your payments.
Too Good to Be True?
When it comes to insurance, if it seems too good to be true, then chances are, it is. When you see a very low insurance premium for a plan that is vital and necessary, then you should probably take a closer look at it to be sure it is what you are expecting.
Perhaps the amount you are insured for is a lot less than you were expecting, or the deductible is much much higher. Premiums that are exceptionally low should always raise a red flag and definitely, warrant a closer inspection before purchasing and signing.
Credit is Always a Factor
We all know how important our credit... ...read full post
Seeking Compensation? Here Are a Few Things You Should Know
If you have filed a claim for compensation following an accident in Florida, then you have probably already filed a claim with your own insurance company under personal injury protection, or PIP, coverage. However, if the injuries and damage are more severe, then you will have to file a different claim in order to seek compensation.
Florida Accident Compensation Laws
All laws regarding car accidents differ from state to state, so it is important to familiarize yourself with the laws in your current state before filing your claim for compensation following an accident.
Statute of Limitations
The Statute of Limitations for an automobile accident in Florida is four years from the date of the accident.
Any non-permanent injuries are covered by Florida’s PIP insurance laws and no other limits exist.
No-Fault and Comparative Negligence
Florida is just one of a few states that employ no-fault car insurance and compensation laws. The no-fault insurance is why you must first file the claim with your own insurance company under PIP coverage to cover the injuries resulting from the accident.
When the injuries and damages are more severe, however, you... ...read full post
Premise Liability for Slip and Fall Cases
Slip and fall cases typically fall under the umbrella of personal injury law, and these cases state that the owner of a property may be held liable for damages or injuries that occur on their property. While they are considered personal injury cases, they also fall into the category that is better known as premises liability claims.
What is a Premise Liability Claim?
In a premise liability claim, the injuries sustained on the property are usually due to unsafe or defective conditions on someone else’s property. The majority of personal injury and premise liability claims are also based on the negligence of the person who owns the property because they have failed to ensure a safe environment.
In order to win a premises liability claim, then the injured party must be able to prove that the accident was caused due to the owner’s negligent behavior and their failure to use reasonable care when it comes to their property.
It is also important to remember that even if the conditions were seemingly unsafe, it does not necessarily mean it was due to the property owner’s negligence. The owner must have been... ...read full post
Never Sign Until Reading the Fine Print
If you are faced with a contract, and you are being pressured to sign the document right away, you should step back and take a minute to assess what it is you are about to sign so you can better determine if you clearly understand exactly what it is you are signing.
We see many contracts throughout our lifetime, whether it is from the sale or purchase of a home, obtaining car insurance, or signing a claim that we are filing. It is always a good idea to read the contract through very thoroughly and even have your attorney look it over before you sign to ensure that you are signing something that will not come back to haunt you later.
Rule number one to signing a contract is never to feel rushed or pressured to sign. Often this is the reason that is given when people are asked why they signed the contract before reading it. However, reading is a vital step unless you are ready and willing to face any consequences later.
“Standard” Contracts and What to Consider Before Signing
A lot of people in an attempt... ...read full post