Hollywood Florida Injury Lawyer Blog

Prior to filing a law suit against the State of Florida, you must provide a written claim to the appropriate agency and present such claim in writing to the Department of Financial Services.See F.S. 768.28

Among the information to be provided include the following:

Name
Address
DOB
DOA
SS
Place of Birth

In addition, you must advise the state whether you owe any monies to the state above $200. Failure to disclose the required information can result in a court order for double the amount owed to the state. The state maintains the right to set off for any monies owed by you when awarding you your damages.

After filing your claim you must wait 6 months or for the government body to deny your claim before you get your day in court.

Continue reading " Filing Suit Against the State of Florida " »

As insurance prices rise and the economy stumbles, people are looking for more and better insurance coverage for less money. Umbrella Policies are often a good option for increasing insurance coverage. Like an umbrella Umbrella Policies provide expansive coverage for you and your assets. Umbrella Policies act as a backup for your primary insurance policy and can provide a cost-effective way of increasing your insurance coverage.

Most folks carry several types of insurance policies: Auto, Homeowner's, Renter's insurance, etc. All of these policies do essentially the same thing. They cover you for the different careless acts you might commit. However, the coverage available under these different policies varies, and their cost is often very expensive compared with the coverage they provide.

An Umbrella Policy begins where other insurances end. In other words, Umbrella coverage is only available after the underlying liability policy has been exhausted. Umbrella policies are often surprisingly inexpensive, given that they can provide additional coverage in amounts up to $1 million or more. The reason umbrella policies are relatively inexpensive is because they are only asked to cover the largest of claims. Because of this, the number of claims brought against umbrella policies is lower than the number of claims brought against "regular" policies.

As with other insurance policies, coverage offered and rates charged for Umbrella Policies.

Continue reading " Florida Umbrella Insurance " »

All vehicles in Florida are required to have at least the bare minimum coverage which is $10,000 (PIP )Personal Injury Protection and $10,000 of property damage liability. PIP covers the driver involved in an accident, regardless of who is at fault up to $10,000 in medical expenses. Family members living with the driver and passengers in the vehicle are also covered under the PIP insurance policy. In addition, it reimburses you and your family for lost wages.

Property Damage Liability (PDL) coverage pays for damages to the other person's property in a crash involving a motor vehicle if you or a family member is at fault and liable.

Underinsured/Uninsured Motorist coverage (UM Insurance) is optional in Florida. Pays for losses where the other vehicle is at fault and is either uninsured or not adequately insured for the injuries you have suffered.

Collision coverage is optional coverage that pays for the damage to your vehicle involved in an accident.

Bodily Injury (BI) coverage pays a party who has been injured when you are at fault. It pays for their pain and suffering.

Continue reading " Understanding Florida Automobile Insurance " »