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Posts tagged "Insurance Law"

The at-fault driver is trying to settle, what should I do?

It's a tale as old as time: Jane Doe's car collides with John DoRight's truck because she wasn't paying attention. John's truck is severely damaged and he's also injured. He wants to file a claim with Jane's insurance company, but she's worried about what this will do to her rates and her coverage. She already has a few accidents on her record and this one could cause her insurer to drop her. Hoping to avoid this possibility, she tries to negotiate payment for damages without involving the insurance company.

Why do insurers automatically suspect fraud in whiplash cases?

Not all car accidents are violent rollover crashes that result in fatalities. In most cases, car accidents are minor accidents, frequently referred to as fender benders, that typically result in non life-threatening injuries. In fact, one of the most common injuries associated with minor rear-end collisions is whiplash.

Storm damage: Making sure your home is covered

If you're dreading the next few months of hurricane season, you're not alone. Hurricane Matthew last year was a wake-up call for a lot of Floridians. For years we went without a powerful hurricane in our state, which lulled a lot of home owners into a false sense of security. Some home owners neglected their insurance policies as a result, which had ruinous financial consequences for some after the storm passed.

Is your insurance policy ready for hurricane season?

For years, Florida residents enjoyed summer after summer of hurricane-free weather. That was until Hurricane Matthew broke the cycle in 2016. While many thought they were covered, some discovered far too late that their coverage wasn't enough.

Florida drought increases fire risk

The significant drought that has lasted into spring throughout Hillsborough County has greatly increased the risk of wildfires. At one point in April, Florida had over 100 wildfires active at one time. While so far wildfires have been contained, homeowners throughout Florida have reason to be concerned.

Windstorm Damage, "Concurrent" Causes, and Property Insurance in Florida

If you sustain property damage in West Central Florida as a result of windstorm damage along with other causes (such as flooding and fire), and your insurance policy does not cover damage related to all of those causes, will your insurance policy have to provide coverage to repair your home? For instance, let us imagine that a strong thunderstorm strikes in West Central Florida. The storm has very strong winds, but it also produces heavy rains and lightning. A bolt of lightning strikes near your home, and during the storm, your house sustains serious damage as a result of fire from the lightning, flooding from the heavy rains, and wind damage from the strong winds. It is difficult (if not all but impossible) to determine which of these elements caused which particular damage to the structure.

Sen. Jeff Brandes aims sights to kill PIP coverage

Since its establishment in 1972, most drivers in Florida have been able to turn to their personal injury protection (PIP) coverage to collect up to $10,000 (on a typical policy) to cover medical costs and lost wages caused by a crash. That was until 2012 when the law was reformed by House Bill 119 (HB 119) in an attempt to cut down on fraud.

Why this hurricane may have you looking at your policy

Even though Hurricane Matthew has been downgrade to a category 3 hurricane, the storm is still expected to cause considerable damage all along Florida's east coast. With winds expected to reach 120 mph and a storm surge that has already caused flooding in northeast Florida, says one Weather Channel article, it's already starting to look bad for home and business owners in our state.

Video: Were you injured in an auto accident? Contact Wells Law Group, P.A.

If you were injured in a car accident, you may have more immediate concerns, such as medical bills and lost wages. Some of those costs may be covered by your own insurance, but justice also requires the negligent driver to be held accountable.

Homeowner's insurance, it's more than just a good idea, and you need the right amount of coverage!

As a resident of Florida, you are not required to purchase a home insurance policy. Your mortgage holder, however, will require insurance on the property, and if you fail to obtain proper coverage and add it as an additional insured, it will likely "force place" coverage for its own protection. Forced place coverage usually provides coverage up to the value of the lien, which leaves you uninsured for any damage to your property and belongings in the home. While some people with no mortgage look at this as a way to save money, most realize it is a risk they should not take.

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