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What does a dedicated Personal Injury Attorney and Law Firm do for their clients? gavel-1238036-300x201

The Perazzo Law Firm – Dedicated to putting their clients interests first…Always! 

Personal injury accidents that require legal assistance and representation go beyond knowing the law (Tort Law), especially when dealing with insurance companies for compensation from personal injury accidents that lead to medical attention and economic losses. Personal injury accidents stemming from vehicle collisions, slip and fall incidents, dog attacks, premises liability claims, defective products or services, and wrongful death, will most often cast victims and loved-ones into a whirlwind of complications that stem beyond their concerns for physical, mental, and economic recovery. Many times, insurance companies will place obstacles down the road to recovery and resort to the common practice of offering accident victims unfair compensation settlements. Basically, and in layman’s terms, insurance companies like to make money not spend it, especially if the accident victim and/or family requires a large sum of money to compensate for losses incurred. However, it’s not all about money when a dedicated personal injury lawyer is involved. Though Jonathan Perazzo focuses on maximizing the accident victim’s recovery, he and his entire legal staff strive jointly to achieve their client’s 100% satisfaction. How? – By attending to every aspect of their claim throughout the entire legal process and until their case is resolved. When a client is 100% satisfied, Perazzo Law is too!

The Undervalued Importance of Uninsured Motorist Coverage

car-crash-in-miami-lawyer-300x242Though PIP (Personal Injury Protection) and PD (Property Damage) insurance are mandatory in Florida, uninsured (UM) and under-insured motorist (UIM) coverage tend to fly under the radar when it comes to the value they add when an accident occurs; especially when accident victims suffer severe personal injuries, damages, lost wages or wrongful death. According to the Perazzo Law Firm’s professional and experienced staff of car accident attorneys, uninsured motorist insurance (UM) is perhaps the most important insurance coverage a vehicle owner can carry. Why? Because the number of uninsured or under-insured motorists on Florida roadways and city avenues and streets is overwhelming. In fact, Florida ranks 5th nationwide when it comes to uninsured drivers. Another reason why UM is so highly recommended by the Perazzo Law Firm, is that UM is relatively cheap compared to the medical expenses that personal injuries may entail following an accident. Though PIP will cover your personal injuries for as much as $10,000, not all of it will go to cover your medical expenses (see PIP), which will undoubtedly surpass said amount for even a minor injury such as a broken nose. Furthermore, PIP fails to contemplate the victim’s suffering, lost wages, or damages to the accident victim’s vehicle.  Thus, the accident victim will need to pay out-of-pocket to cover the costs brought on for another motorist’s negligence. To safeguard your finances in the event of an accident involving an under-insured or uninsured motorist, in Miami, the Perazzo Law Firm, highly recommends contacting your insurance provider and ask about UM. In most cases, insurance companies do not offer UM because it is relatively cheap and they will have to pay-out in the event of injuries and losses that the policy holder has to face. Furthermore, it’s no secret that insurance companies are in the business of making money not spending it; hence, their reluctance to raise the policy holder’s awareness to the overall importance of carrying UM. Though UM offers great value in the event of an accident with a motorists that only carries PIP and PD, it is of enormous value when the driver at fault has no insurance. Motorists that have no insurance usually have limited assets, thus, they would not be able to cover any of the accident victim or victims’ losses. It is important to point out that purchasing UM is only possible when the vehicle owner carries Bodily Injury Coverage (BI), which covers the policy holder’s assets if found at fault for an accident that leads to personal injury, losses, or wrongful death. Also, there are two types of UM available: Stacked and Unstacked.

UNINSURED MOTORIST COVERAGE BASICS & EXAMPLES

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IN MIAMI, THE PERAZZO LAW FIRM SHARES VALUABLE INSIGHT FOR DEALING WITH INSURANCE CLAIMS FOLLOWING HURRICANE DAMAGE AND LOSSES

Has your property been damaged in a hurricane? If so, your insurance provider will send over one of their adjusters to evaluate and assess the damages to your property and decide on a settlement they consider fair to cover your property damage and economic losses. Sadly, your insurance provider’s adjuster may offer to settle for a value that is anywhere from 300-1000% lower than the real cost of repairs, replacement, and labor. Furthermore, an adjuster  carrier’s may overlook any possible future consequences from the initial hurricane damage. In Miami, the Perazzo Law Firm advises victims of hurricane damages to contact a trusted public adjuster before signing anything or receiving any sort of settlement from an insurance provider. An experienced public adjuster will help make sure the hurricane damage victim receives a prosper assessment from the insurance provider’s adjuster. However, insurance provider may sometimes refuse to settle the public adjuster’s claims value may not be met. In the event a settlement cannot be reached, an insurance lawyer will be needed to represent the claimant to fight for a settlement that best favors their client and not the insurance provider. Thus, an experienced property damage and insurance claims lawyer is essential following a natural disaster that causes damage to your property and creates unforeseen catastrophic economic losses.

WHAT A PUBLIC ADJUSTER WILL DO FOR THE HURRICANE DAMAGE VICTIM

MIAMI CAR ACCIDENT LAWYER SHARES VALUABLE INSIGHT ON MOTOR VEHICLE INSURANCE POLICIES IN FLORIDA

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Nobody gets behind the wheel of their car or truck expecting to get into an accident. Unfortunately, motor vehicle accidents in Miami are very common, and to protect your financial and physical well-being, insurance coverage helps to provide you, passengers, and other drivers with protection.

In Florida, carrying basic insurance is mandatory for registered motor vehicle owners. According to the Florida Bar, basic insurance consists of Personal Injury Protection (PIP) and Property Damage Insurance (PD). PIP insurance coverage safeguards the insured party (driver and/or household relatives on the policy) for up to $10,000 minus any deductibles regardless of fault. In the event of an accident that involves personal injury, the healthcare facility or doctor will be responsible for billing the insurance provider once the policy holder signs an assignment of benefits. PD insurance covers damage to another individual’s property as a result of an accident regardless of fault. The Perazzo Law Firm reminds PIP and PD insurance policy holders that these basic policies usually fall short of covering the full extent of injuries or losses. That is why, our car accident attorneys urge motorists to carry additional policies if economically viable. The insurance policies listed below (in order of importance) are highly recommended:

CRASH TEST DUMMIES BEHIND THE WHEEL OF SMART CARS?

1661e426-8ea8-4d72-ac30-7f02bd902ffe-225x300Over 1,000 licensed drivers ages 18+ took part in a nationwide online survey to find out if smart cars are making drivers dumb through modern automotive gadgets like driver assistance Adaptive Cruise Control (ACC) and Lane Keeping Assist (LKA). According to the survey and its results, motorists behind the wheel of modernly equipped vehicles are taking more risks, especially when coupled with negligent cellphone use such as texting and driving. In fact, the results of the survey reveal that smart car drivers confess to using their cellphone negligently through video chatting and/or using apps while they drive. Texting and driving accounts for over 60% of drivers with ACC and/or LKA, with social media interaction accounting for over 50% of drivers. Obviously, this negligent use of cellphones while driving has led to distraction behind the wheel, which according to the National Highway Traffic Safety Administration (NHTSA), has resulted in 3,166 fatalities in 2017 nationwide and some 50,000 accident reports in Florida alone, which ranks 2nd nationwide behind Louisiana in terms of distracted drivers. According to EverQuote, just under 92% of all motorists in the U.S. use their cellphone while operating a motor-vehicle. In an interesting statement by the assistant vice-president in the Enterprise Research department at State Farm; “Innovations such as Adaptive Cruise Control and Lane Keeping Assist are designed to make our roadways safer and meant to assist drivers, not replace them.” It doesn’t take a rocket scientist to figure out that the constant construction works being carried in and around the Miami metropolitan area and the absurd traffic decisions taken by city officials, places motorists and pedestrians in ever-growing danger. Thus, and ironically enough, smartphones and smart cars seem to be making people dumber through neglect and overall distraction behind the wheel of a moving vehicle. Drive safe and let your cellphone ride shotgun and nothing more.

If you, a loved-one or friend has been in a car accident involving negligent cellphone use by a motorist in Miami, or in any of the Cities We Serve in Miami-Dade or Broward, Perazzo Law recommends contacting us ONLINE or CALL (786) LAWS-411 for a FREE initial consultation. Perazzo Law offers its personal injury clients ZERO-OUT-OF-POCKET fees.

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AFFORDABLE HOUSING IN MIAMI FACING DIRE STRAIGHTS

With Miami-Dade County employee salaries averaging $50,000 a year, affordable housing seems to be weighing heavy on tenants struggling to make ends meet. According to recent studies, home values in Miami-Dade have rocketed by 66% compared to the 14% rise in worker wages over the ten-year period leading up to 2017. Though construction is evidently active in and around downtown Miami, modern price-tags target wealthy foreigners rather than members of the middle-class workforce. In fact, the 2019 State of the Nation’s Housing report by Harvard University states that low-rent housing availability (under $800 monthly) has fallen by 39% with a 2% drop in the number of low-income renters. The Harvard report goes on the say that 20% of new-single family houses constructed from 2007-2017 were valued at $200,000. According to this and other housing statistics publicly available, Miami renters allocate over 30% of their income to cover rent, which can average around $2,000 a month in modest neighborhoods such as North Miami. An executive director at Miami Homes For All stated in an interview that the crisis has spread and has affected the Miami-Dade middle and upper class and not just low-income families. With more than a third of monthly wages going towards rent, there is a shortage of available housing to those earning under $40,000 a year, which is just $10,000 less than the 80% of Miami-Dade county workers earn per year. In the meantime, though unemployment in the low-wage work sector has risen, the cost of real-estate and residential construction projects continue to rise. So where exactly should middle and lower income workers look to live within Miami-Dade county? And where should those looking to purchase a well-priced piece of real-estate shop? According to recent real estate reports for Miami-Dade county, cities such as Allapattah, Little Havana and Coconut Grove are expected to receive $7.5 million in funding to build affordable housing for the local Miami workforce earning between $30K-60K per year. According to statistics, the city facing the toughest affordable housing ordeals is Miami, which has the highest percentage of residents earning much less than the $50,000 yearly average salary. Housing reports state that there are some 85 housing units that fall under the Miami Beach scope, which include studio apartments priced at $740 per month in rental fees. According  to the a U.S. Census report, over 1 million residents, with an average income of some $60K, live in a separate sector of Miami-Dade. Unfortunately for middle and lower class households in Miami, rental fees for apartments and houses are expected to increase and not go down anytime soon.

real-estate-lawyer-in-miami-perazzo-law-firm-300x200The Perazzo Law Firm Serves Real Estate Transactions in Miami-Dade

 NEW MORTGAGE LOANS TO HIT REAL ESTATE MARKET SOON

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REAL ESTATE NEWS BY THE PERAZZO LAW FIRM

Aspiring homeowners and real-estate investors in Miami and throughout Florida, may soon have new options for purchasing real-estate through special mortgage loans called CHOICERenovation loans.  These loans aim to attract potential buyers that are interested in acquiring property that has suffered experienced significant damage from the nature’s wrath. Hurricane damaged homes for example, may have lost significant value and lay dormant in the real estate market for years. The loans may also appeal to individuals or real estate developers looking to renovate homes that are over 40 years old and in poor structural condition. Interestingly, and according to real estate statistics, one out of every five properties dates back to the mid-seventies. Though potential real estate buyers looking to relocate prefer homes that need little if not any remodeling or repair work, some are enticed by the lower costs of houses which may need plumbing, electric, or general repairs. The owners of houses that are old or run-down may also benefit from the new CHOICERenovation mortgage loans offered by Freddie Mac, which are expected to be available soon. But how do the new loans work and how do they benefit buyers? Firstly, the costs of any needed repairs will be included in the loan itself and any remodeling or repairs do not necessarily have to be done by a contractor. In other words, they can do the work themselves as long as they can prove they are qualified to carry-out home improvements jobs such as plumbing, electricity, roofing, etc.. This new proposal is expected to attract first-time buyers that have limited funds but willing to take advantage of property that is affordably priced. The loans may also appeal to those looking to remodel their current home in order to accommodate family members or renovate their old home so as to avoid moving and having to deal with the complexities of selling and buying real estate. In many cases, it can be less expensive and easier to remodel or renovate than to buy or sell, which will involve real-estate broker fees, property taxes, title insurance, and many other costs stemming from a real estate transaction. Nevertheless, when the opportunity of owning your home at affordable terms comes knocking, it might be wise to open the door.

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 The Perazzo Law Firm in Miami

Miami Car Accident Lawyer Serves Car Accident Victims & Products Liability Claims for Compensation

Car Manufacturers pump-out hundreds of thousands of vehicles every year and are constantly rolling out new designs aimed at enhancing style, comfort, and safety, all of which require advanced technological complexity. It’s this complexity that makes car manufactures more prone to design and manufacturing defects, which in turn can lead to personal injury from car accidents. Because when motorists operate defective vehicles, there is a potential threat of suffering personal injury from a crash. That’s when car companies recall the vehicles they consider are dangerous to drivers, pedestrians, and anyone on the road. But what happens when a vehicle owner or driver is involved in an accident that stems from a defective car part, faulty software, or self-deploying airbag? That’s when accident victims, friends or family need to consult the professional advice of the Perazzo Law Firm in Miami.

Walmart Destination: Your Fridge.

GROCERIES-300x225MIAMI — With the rise in ride share delivery services such as UberEats, Instacart, DoorDash, and more, Walmart is striving to stay-in-tune with this food-delivery rush. With more than a million customers placing InHome Delivery orders from Walmart within several East Coast cities, Miami has become the next target for the groceries and goods giant. Online shopping is nothing new to Miami residents or anyone with a credit card and an Amazon account. But Walmart aims to take home delivery a step further. Though online shopping on Ebay, for example, offers free and reliable delivery, customers ordering groceries online from Walmart would have to pay a fee and cover the cost of a special door lock, which will enable the Walmart delivery employees to enter the customer’s home and makes their way towards the fridge. In other words, an absolute stranger will have access to your home, business, place of work, etc. However, the Walmart deliver employee will be equipped with a camera that the customer can access from a special app and be able to track the employee’s progress towards the customer’s refrigerator. Furthermore, each delivery placed by the customer will planned and scheduled at the time of the online purchase. Thus, customers can rest assured that Walmart home delivery personnel won’t be walking in on them at the wrong time. Customers were wary at first during pilot tests runs in new Jersey, as premises owners didn’t appreciate strangers walking into their homes or place of business when they are not there. But according to a Walmart executive leading this new concept in home delivery, Walmart quickly gained their customer’s trust, as there are strict requirements which the delivery staff must meet before being assigned to this style of home delivery service. In a nut shell, Walmart is eager to capitalize on the home delivery boom and the success of its grocery business, which accounted for 50% of its yearly turnover.

PERAZZO LAW SHARES ADVICE FOR DEALING WITH DELIVERY SERVICES VEHICLE ACCIDENTS

real-estate-lawyer-in-miami-perazzo-law-firm-300x200THE PERAZZO LAW FIRM SERVES REAL ESTATE TRANSACTIONS

Do I Need a Real Estate Lawyer? – If you are planning to buy, sell, or transfer property, it is in your best interest to hire a Real Estate Attorney to oversee that Real Estate laws are best upheld and your best interests are protected. Perazzo Law and  its staff places their clients’ best interests at the forefront of all Real Estate Cases. We Serve Cities and Suburbs in Miami-Dade and Broward

You may need to consider one of our Real Estate Attorneys if any of these situations apply:

Miami-construction-site-accident-lawyer-300x223Little Havana Strip Mall Renovation Leads to Injury

LITTLE HAVANA: A wooden overhang collapsed and struck a pedestrian on the head this past Tuesday in Little Havana. In what can be considered a construction site accident with hints of premises liability, the incident led to an innocent bystander being rushed to Jackson Memorial Hospital for emergency treatment. The construction-site accident took place at 1150 SW First St. and led to Southwest 12th Avenue being closed-off from First to Second streets. The renovation project of the Little Havana strip mall and the cause of structure collapse will be investigated by city building officials.

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