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Breaking Down The Financial Impact Of An Accident

Breaking Down The Financial Impact Of An AccidentAcross the United States, the total financial cost of car accidents is well above $200 billion per year. This is an astronomical amount of money, and one car accident can devastate a family for many years to come. With all of the various expenses involved in car accident cases, those who have experienced a St. Petersburg car accident are often times shocked by just how quickly their associated bills add up. Property damage, medical expenses, lost wages, and more all get tacked onto the debt, and it’s important to be able to get the insurance compensation you deserve.
Types Of Financial Effects
There are various financial effects associated with St. Petersburg car accidents, and some may be more obvious than others. These financial effects to consider are:

• Property damage – Your vehicle may suffer both cosmetic and mechanical damage after a St. Petersburg car accident. In cases where the cost to repair the damage is just under the total value of the vehicle, drivers may be left in a difficult position having to take care of damages that could essentially have bought them an entirely new... read article

Michael J Babboni

How An Automobile Accident Impacts Your Mental And Emotional Health

How An Automobile Accident Impacts Your Mental And Emotional Health Even a minor car accident can lead to copious amounts of stress. For those in the St. Petersburg area, the mental and emotional effects of this stress may come as a surprise. While you’re paying close attention to the physical effects of your accident, you could be ignoring the equally important emotional injuries lurking just under the surface. Emotional distress should be taken seriously, as these injuries are just as likely to lead you to job loss and diminished quality of life and will only grow more severe if left untreated.
The 5 Most Common Emotional Effects Of A Car Accident
There are some emotional and mental injuries you should look out for after experiencing a car accident. The 5 most common of these are:

• Depression – Depression comes in many forms, and the most common to come after a car accident is typically Major Depressive Disorder. Major Depressive Disorder affects more than 16 million Americans every year, some of which develop the condition after experiencing a traumatic car accident. A sense of overwhelming sadness that eclipses your natural interest in everyday... read article

Michael J Babboni

How Can I Calculate My Lost Wages?

How Can I Calculate My Lost Wages? Whether you’ve been injured in a car accident, a slip and fall, a defective product accident, or any sort of personal injury situation, you’re likely looking at lost wages. This loss of income is the “cherry on top” of mounting medical bills and other damages, and may make it seem impossible to ever move past your accident situation. Lost wages can be calculated into your personal injury settlement, and all it takes is learning just how to calculate your lost wages and some help from an experienced St. Petersburg personal injury lawyer.
Prepare First
Before you go into calculating your lost wages, you’ll need to prepare first. Just like you needed to gather evidence to prove your accident, you’ll need to gather proof of the wages being lost. For any medical condition that bars you from working, you’ll be required to have all of the medical information necessary to support your case. You’ll need documentation from your employer confirming your state of employment, and you’ll need pay stubs or W-2 forms backing up the amount of wages being lost.
Basic Lost Wages Calculation
Most employees in the United... read article

Michael J Babboni

Proving Your Defective Product Case

Proving Your Defective Product Case No matter the product, defect can lead to serious injury. If a defective product has caused you injury or other damages, you could be looking at a potential claim with compensation you’re entitled to. However, how well do you know what is required by law in order for you to win? Proving your defective product case can be tough, and product companies will often arm themselves well with highly skilled and experienced legal and insurance teams to keep payouts at an absolute minimum.

Product liability laws in St. Petersburg, Florida must prove the following in order for you to have a case at all:

• You were injured or a loss was suffered – First and foremost you must prove that you were injured or that a loss was suffered. This loss can be a physical loss to the body or a loss to belongings. For instance, if a pressure cooker malfunctions at home and sends a shard of metal into the window, you may still be entitled to compensation even if you did not suffer an injury to your body.

• The product is defective – To... read article

Michael J Babboni

Summertime Slip And Fall Accidents

Summertime Slip And Fall AccidentsIn Florida, slip and fall accidents are a major cause of injury for people of all ages. While many think of slip and fall accidents as something suffered mostly by the elderly, the truth of the matter is that no one is immune to slipping, falling, and suffering the resulting injuries. Summertime creates some unique slip and fall scenarios throughout the region, each of which can lead to serious or permanent injury. While Florida may not see the regular ice and snow often associated with slip and fall in other areas, the state does have its own seasonal hazards to look out for.
Summertime Is Boating Season
Boating is a great way to have fun in and around the St. Petersburg area. Families can go out on the boat to enjoy the great outdoors, or they can hop onto a local fishing charter to try their hand at catching some of the local fish. While filled with memorable fun, boating also leaves a great deal of slip and fall risk.

Not only can the deck of a boat get slippery quickly with water splashing up and moist air blowing... read article

Michael J Babboni

Ten Defensive Driving Techniques To Help Prevent Car Accidents

Ten Defensive Driving Techniques To Help Prevent Car AccidentsAfter nearly 30 years of defending car accident victims in St. Petersburg, we have seen the devastation an auto accident can cause. Though not all accidents are preventable, there are some things we can do to help stay safe on the road. Here are ten defensive driving tips to help you stay safe on our Florida roadways:
Stay Alert
We all can become distracted while driving. Perhaps we get a call or our kids are fighting in the backseat. Sometimes we’ll even get distracted by our beautiful Florida scenery. It’s easy to let your mind wander off the road when driving, especially when in heavy traffic or when we are traveling long distances, however the most important thing we can do to prevent accidents is to stay alert and focus on the road. By staying alert, we can respond faster when someone or something puts us at risk for an accident. Never take your eyes or your mind off the road, even for a second.
Assess Your Surroundings
Always be aware of your surroundings. While driving take note of where all the other drivers are on... read article

Michael J Babboni

The 6 Steps You Should Follow After An Automobile Accident

The 6 Steps You Should Follow After An Automobile Accident Finding yourself in an automobile accident in St. Petersburg is something no resident or guest wants to experience. Unfortunately, however, accidents happen, and they can even happen to you. Before finding yourself in an accident, it helps to know the steps to take in order to best prepare yourself for fair compensation.

In the state of Florida, this will mean potentially going against your own insurance provider to get the settlement you deserve, and the 6 steps you’ll want to take are:

• Assess your injuries – Assessing your injuries should always be your very first move. Maybe some injuries will be obvious, and maybe others will be less-so. A mild concussion might show no signs for a couple of days, while a broken leg or laceration will be obvious straight away. If you find you have serious injuries, do not move and instead wait for emergency responders to arrive. If you don’t believe you’re injured, you can move on to step 2, but you should still be investigated by medical professionals just to make sure.

• Check on your passengers – If... read article

Michael J Babboni

The Five Most Common Head Injuries Following An Auto Accident

The Five Most Common Head Injuries Following An Auto AccidentOver half of all traumatic brain injuries (TBI) result from car accidents. TBI is a life altering injury that can be devastating to you and your family. TBI injuries can last a lifetime and negatively impact your cognitive functions. They can make it difficult to do your normal job, can impair your mobility, and cause a lot of emotional distress for both you and your family. The worst part is that TBIs often do not show symptoms until well after the auto accident happened making it very hard to get compensation.
Understanding The Five Most Common TBI Injuries
After an accident, you need to see a doctor immediately. Sometimes the symptoms of a TBI do not show up for weeks, even months after an accident. It’s also important that if you’ve hit your head, you keep vigilant for any signs of a TBI. Here are the five most common TBI injuries after a car accident and their symptoms:

Concussion: Concussions happen when your brain hits the inside of your skull as a result of a sudden change in momentum. Symptoms include:

● Loss of consciousness.
●... read article

Michael J Babboni

The Physical Effects Of A Traumatic Brain Injury

The Physical Effects Of A Traumatic Brain Injury When we think of a traumatic brain injury, what we typically think of first are the mental effects. You may experience confusion, an inability to learn, memory loss, difficulty speaking or formulating words, a change in your behavior, or a change in personality. However, the brain doesn’t just control how we think and how we act, but our bodies as a whole. The brain is an incredibly complex organ, and one that even today we only know a little bit about.

Traumatic brain injuries, while they do come with mental and emotional effects, also come with plenty of physical ones as well. Some of the most common, and most devastating, physical effects of a traumatic brain injury may include:

• Spasticity – Depending on the area of the brain injured, one may experience problems with spasticity on one side more than the other, or they may experience it in both sides of their body at once. This may include stiff or weak limbs, or limbs with limited ability to move, and this is all due to the muscle spasms being experienced. Spasms may also... read article

Michael J Babboni

The Potential Physical Effects Of A Car Accident

The Potential Physical Effects Of A Car Accident The physical effects of a car accident can vary widely. These injuries can fall onto a spectrum of barely noticeable all the way to deadly or life threatening, and many will impact your life in some way or another. Some of the most common physical effects of a car accident include:

• Cuts and lacerations – Cuts are most commonly caused by contact with sharp metal or broken glass during a St. Petersburg car accident, but objects in the car may lead to cuts as well. If these cuts are allowed to go untreated, they can come with a secondary and sometimes even more severe effect which is infection. Particularly severe cuts may result in scarring, which can lead to major quality of life changes or the need for expensive cosmetic surgery treatments.

• Soft tissue damage and injuries – Soft tissue injuries aren’t always immediately noticeable. In many cases, individuals who have been in a St. Petersburg car accident will turn down medical attention believing they are okay, only to wake up the next day with painful soreness, stiffness, or outright pain. In... read article

Michael J Babboni

The Real Costs Of A Florida Car Accident

The Real Costs Of A Florida Car AccidentIn the state of Florida, car accidents cost over $3 billion dollars every year. Whether a minor accident or a devastating crash, these costs are a huge burden for victims. After an accident, many people only think about the direct costs of medical bills and the damage to their vehicle. However, every accident has many ancillary costs that can be a huge financial burden. In this article, we’ll discuss what the real costs of a car accident include and help you understand how to pay for them.
Property Damage Costs
The average cost of a new car in Florida is around $33,000. No matter how much you earn, that is a lot of money to lose. Car accidents can total your car, leaving you out thousands of dollars. What’s worse is if you still owe money on the vehicle, you could end up paying for a car you can’t even drive. Many insurance companies lowball property damage claims, banking on depreciation. So you may not ever get the full value back.
Medical Costs After A Car Accident
Cars are really dangerous. When you are hit, even at slow... read article

Michael J Babboni

What Happens If I Get Hit By Another Driver And Don’t Have Insurance?

What Happens If I Get Hit By Another Driver And Don’t Have Insurance?We all make mistakes in life. Sometimes we forget to pay our bills, or are too financially strained and simply can’t pay them. If we can’t pay our car insurance bills, the coverage lapses and we have no protection in an accident. However, that doesn’t mean we can’t get compensation for our injuries. It just depends on the circumstances. Here is everything you need to know if you get into an accident in Florida and don’t have insurance.
Penalties For Not Carrying Car Insurance
Like most states, drivers in Florida are legally obligated to carry the minimum car insurance. This law is designed to protect us when we get into accidents. If you get into an accident, there may be some legal ramifications including:

● Your driver’s license may be suspended up to 20 years
● Your vehicle registration, plate, and tags will be suspended
● You will have to provide the DHSMV with proof of insurance for the next three years
● You may have to pay fines

The DHSMV takes driving without insurance very seriously. So you will have to deal with the legal... read article

Michael J Babboni

What Should I Do If I Am A Victim Of A Hit And Run Accident?

What Should I Do If I Am A Victim Of a Hit And Run Accident?It happens all over the country every day. You are involved in an auto collision and driver who hit you takes off. You can’t believe this is happening to you, but here you are injured, perhaps severely, and with a damaged car. With the other driver gone, you have no idea how all of these damages will be paid. Luckily, there are some things you can do.
What Steps Do I Need To Take After A Hit And Run Accident?
Should the unthinkable happen and you get hit and the driver takes off, you need to know what to do to protect yourself. Here are the most important steps to take after a hit and run accident:

Check For Injuries: The most important thing is that you determine if you or your passengers require medical help. If you or your fellow passengers have been hurt, dial 911 right away. If your accidents aren’t severe, it’s important to see a doctor no matter what. Many car accident injuries don’t show symptoms until days, weeks, and even months after the accident. A... read article

Michael J Babboni

What To Expect From An Insurance Company After An Accident

What To Expect From An Insurance Company After An AccidentNo matter how major or minor an automobile accident is, you will have to work with your insurance company. Anytime you make a claim with your insurance company, they will assign you a claims adjuster to handle your case. Though the claims adjuster may seem nice, you need to always remember they represent the insurance company and will do everything they can to protect their interests. They will work against you even when you are the victim of the accident.
What Happens When You File A Claim
Immediately following an accident, you will need to call your insurance company as soon as you can. The insurance companies only need to know the basic facts including:

● Where and when the accident happened
● Who was involved in the accident
● Information about the other driver and their insurance company
● If there were any witnesses who saw the accident
● If a police report was filed
● A basic description of the details of the accident
● Whether or not you are injured

This information will help them open an investigation for a claim. Remember what you say at this time is... read article

Michael J Babboni

Who Is At Fault For My Bicycle Accident?

Who Is At Fault For My Bicycle Accident?In the state of Florida, bicycle riders are treated the same as motorists by the law. They have the same rights to safety and responsibility to follow traffic laws as any driver on the road. Therefore, determining fault after an accident uses the same legal framework and expertise as an accident between two vehicles. In order to understand who is at fault for your bicycle accident, here is a basic overview about how those laws will apply.
Accidents When The Other Driver Is Always At Fault
No matter the specific details of the accident, there are specific circumstances where insurance companies and courts will see the other driver at fault. Those include:

● When the accident occurred where there is no dedicated bike lane
● When an accident occurred because a car is parked in the bike lane
● When a parked car’s door opens into a bicyclist
● When a driver turns into a cyclist
● When the driver of the car was under the influence of drugs or alcohol
● When the driver of the car was distracted

Outside of these particular situations, determining fault will require further investigation.
When Either... read article

Michael J Babboni

Why You Need An Attorney To Help You Prove Fault After A Florida Car Accident

Why You Need An Attorney To Help You Prove Fault After A Florida Car AccidentFlorida has some of the highest rates of motor vehicle accidents in the country. As a result, our legislators have done everything they can to help reduce the costs of these accidents. They have written very complex laws to help reduce the burden on taxpayers. Sadly, insurance companies have taken full advantage of these complex laws and made it very difficult for accident victims to receive a fair settlement for their injuries. However, with the support of an accident attorney, you can get the fair compensation you are owed.
Why Is Proving Fault Important After An Accident?
Florida law is clear that whoever caused the accident has to pay for the damages they caused. Though people often refer to Florida as a “no fault” state. That title only applies to the distribution of Personal Injury Protection (PIP) after an accident. PIP coverage is distributed to cover any of the medical costs of an accident no matter who is at fault. What Florida actually uses to determine fault after an accident is a “comparative fault” system.

Comparative fault means that... read article

Michael J Babboni