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Articles Posted in Insurance Claim

cell-at-wheel-290x300CELL PHONE USE AND TRAFFIC ACCIDENTS

In Miami, just like in most modern cities around the world, texting and driving, as well as using cell phones for social media purposes such as Instagram, Twitter, Facebook, Spotify, Waze, etc., are leading to traffic accidents that involve bike riders, joggers, pedestrians and other motorists. Most of these cell phone related accidents usually lead to injuries, damages and losses to innocent individuals that fall victim to negligent drivers. Cell phone related accidents in Miami have risen dramatically over the past five years and are soon to take top spot when it comes to negligent or reckless driving, surpassing drunk driving as the leading cause of traffic accidents. In Miami and  throughout Florida,  motorist that uses their cell phone while driving to text, chat, or even use Waze, for example, are placing their well-being and the lives of others at risk of of falling victim to injuries, damages and losses. The Perazzo Law Firm knows that not all cell phone related accidents have drivers at fault for accidents, given that bike riders, joggers, and pedestrians also use their cell phones negligently while partaking in their activities while sharing avenues, streets and roadways with motorists. Many times, pedestrians cross avenues and streets while looking down at their phones without paying attention to motorists approaching, many of whom may also be distracted by negligent cell phone use. In Florida, a set of laws have been passed to help curve the growing trend of cell phone use behind the wheel. Texting and driving is now considered illegal and subject to fines and even jail time. When a traffic accident occurs and the motorist that caused the accident is found legally at fault for the accident due to negligent cell phone use, either through eyewitness testimony or through an insurance claim that leads to an investigation by insurance providers or attorneys, legal action will ensue and lead to economic implications that may have a short or long term effect on their lives. Following a cell phone related accident in Miami, the Perazzo Law Firm strongly suggests hiring a trusted attorney to handle an insurance claim for compensation on behalf of the victim.

TOP TEN THINGS YOU SHOULD KNOW ABOUT CELL PHONE USE WHILE DRIVING

PERSONAL INJURY PROTECTION AND PROPERTY DAMAGE INSURANCE BASICS FOR FLORIDA MOTORISTS

after-an-accident-289x300In Miami, the Perazzo Law Firm informs Florida residents that Personal Injury Protection (PIP) insurance and Property Damage (PD) are mandatory for registered vehicle owners and operators. Unfortunately, PIP insurance is an extremely complicated vehicle accident insurance policy, especially following an accident that leads to injuries to individuals or damage to property and in light of a lawsuit that leads to an accident claim for compensation. It is very important for Florida motorists to understand the basics behind PIP insurance and how it covers the medical expenses of the vehicle owner and the individuals listed on the policy, as well as any relatives residing in the same households and potentially any passenger in the vehicle should they not have their own coverage under the law. In Florida, PIP was made mandatory because most accidents would cause under $10,000 in damages or injuries. Thus, PIP aims to solve the problem of medical bills not getting paid, people suffering from reduced credit scores, and accident victims fearing lack of treatment accidents and claims. Since PIP is mandatory for all Florida motorists or registered vehicle owners, treatment at a medical facility will be covered by the insurance carrier which must be notified of the accident to proceed accordingly following an accident. In this case, the injured party will visit his or her medical practitioner and sign an assignment of benefits which grants the doctor the right to bill the insurance provider directly on their behalf. Furthermore, individuals that have suffered personal injury as a result of the accident in Miami, may opt to file their own PIP claim treatment coverage. PIP provides accident victims with the legal right to visit a doctor for treatment regardless of whether they have medical insurance. Also, PIP allows you to seek medical treatment no matter who was at fault for the accident and PIP pays up to $2,500 subject to a deductible and co-payment unless there’s an emergency medical conditions that entitles $10,000 in injuries or lost wages. The Perazzo Law Firm strongly recommends that those who can afford it, to supplement PIP with other insurance policies such as uninsured or underinsured motorist coverage. Following an accident in Miami or and Florida city or suburb, additional insurance coverage policies will help protect against medical costs for treating serious personal injury or even third-party wrongful death. If you, a friend or relative has been in an accident that has resulted in personal injury or damages, one of our Miami personal litigation or insurance claims lawyers can provide all the right answers to any questions concerning PIP and PD insurance coverage. The Perazzo Law Firm offers a FREE initial Consultation and ZERO OUT-OF-POCKET COSTS to its clients seeking compensation for injuries or damages from an insurance claim following an accident. Find out more about PIP and PD by visiting the Perazzo Law Firm page.

The Perazzo Law Firm – Dedicated to Putting your Interests First, Always!

UBER RIDES, RIDERS, AND DRIVERS – STAYING SAFE

Uber-accident-Lawyer-in-Miami-Perazzo-Law-200x300Most passengers (riders) that get into an Uber, Lyft, or any other ride-share service in Miami, are oblivious to the number of scams that exist and the potential losses that lurk; both financial and physical. Whether calling an Uber from the airport or a Lyft from a bar, ride-share app users need to be updated on the many possible situations that can turn a ride into a nightmare.

In this article, you will learn about some of the most common scams surrounding Uber, Lyft, and other ride-share services, and what to do if you, a friend or relative falls victim to negligence or are injured in an accident involving Uber or Lyft in Miami.

car-crash-in-miami-lawyer-300x242En la Florida, los conductores de automóviles y vehículos motorizados están exigidos por ley a contratar PIP (Personal Injury Protection) y PD (Property Damage) para cubrir lesiones y daños en caso de un accidente de tránsito. Sin embargo, estos dos seguros muy a menudo no alcanzan para cubrir la totalidad de los gastos médicos o daños a la propiedad de aquellos que son victimas de accidentes. Cuando un automovilista es encontrado culpable por lesiones o daños, es el seguro PIP y PD que se hará cargo por hasta $10,000 pesos. Sin embargo, los accidentes pueden superara este monto muy fácilmente, teniendo en cuenta que una lesión como un brazo roto, puede llegar a costar $20,000 en gastos médicos. Por esta razón, la Firma de Abogados Perazzo Law le informa a los conductores de la comunidad Hispana, sobre los seguro de automotores que existen en la Florida, y como pueden ayudar a cubrir los costos involucrados o como consecuencia de un accidente de transito de lo cual pueden o no estar culpables.

LAS DIEZ MEJORES POLIZAS DE SEGUROS PARA LA COMUNIDAD HISPANA

  1. Seguro de motorista sin seguro / con seguro insuficiente (UNINSURED AND UNDER-INSURED)

QUÉ HACER SI ERES EL PASAJERO EN UN ACCIDENTE DE UBER

Uber-accident-Lawyer-in-Miami-Perazzo-Law-200x300Cuando necesite compartir el viaje, lo último que esta pensando es la posibilidad sufrir un accidente dentro de un Uber. Leer abajo para entender qué hacer si eres el pasajero.

Con el creciente número de estadounidenses usando aplicaciones para compartir viajes, saber cómo mantenerse a salvo durante un viaje en Uber o Lyft es muy importante. Si usted es uno de los 36% de los adultos de EE. UU. Que usan un servicio de transporte compartido, probablemente se haya preguntado qué sucedería si tuviera un accidente mientras estaba en un Uber o Lyft. Después de todo, es una pregunta racional con muchas implicaciones potenciales.

WHAT TO KNOW ABOUT TRUCK ACCIDENTS IN MIAMI

TRUCK-ACCIDENT-PERAZZO-LAW-4-274x300A truck accident in Miami, or any other Miami-Dade city or suburb, can result in damages and injuries that will require legal representation by a professional truck accident attorney. Why? Because over half a million trucking accidents occur yearly across the U.S., with roughly 10% of those truck accidents ending in fatality. Furthermore, filing an insurance claim for compensation against an insurance company is no walk in the park, as insurance providers are in the business of making money not spending it. Thus, insurance companies will most often offer accident victims a settlement which is lower than their real claim value. Only a dedicated and experienced truck accident lawyer will be able to maximize an insurance claim and make sure just compensation is granted to the accident victim.

In Miami, a truck accident on a congested street can affect, not only other motorists, but also bikers, joggers, pedestrians, and anyone making their way amid traffic. This is because city streets are now designed for trucks, and neither is today’s modern society; which spends more time looking down at their phones rather than where their going. In other words, cell phones are distracting people when they are walking, driving, eating, and partaking in any activity in which their hands has access to their phones. Texting and driving among passenger cars, for example, is one of the leading causes of traffic accidents in Miami. A truck driver negligently using a cellphone to text & drive, or that is distracted by a GPS service, can easily be involved in an accident. At present, private and commercial vehicles are relying heavily on GPS service such as Google Maps and Waze to help them reach their destination more quickly. This has led to a rise in traffic along suburban streets and a cause for concern among rural communities as well.

WHAT HAPPENS AFTER A CAR ACCIDENT?

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In Miami, car accidents occur on a regular basis. That is why, it’s best to know what to do after motorists, and even passengers, are involved in an accident. Regardless of fault, the motorists involved must take certain measures to address any injuries, damages, or potential losses as a result of the collision. Much of what happens after a motor vehicle accident depends on the severity of the collision and the extent of injuries or damages (See 10 Basic Steps Following a Car Accident). This article, however, is not about what to do immediately after an accident, but rather, dealing with the legal implications and the insurance claims that may eventually follow. The victims of injuries, damages or losses will must likely file an insurance claim through a personal injury lawyer to receive compensation to cover medical expenses, repairs, lost wages, or even wrongful death. Florida motor vehicle owners are obliged by law to carry Personal Injury Protection (PIP) and Property Damage (PD) Coverage to help cover medical bills and property damage expenses in the sum of $10,000. However, $10,000 will not go a long way may easily be exhausted in a minor fender bender that ends in a broken nose. For this reason, motorists should know about what kind of coverage they carry and how far it will go to protect their finances and assets; regardless of fault. For example, a motor vehicle accident that involves an uninsured motorist at fault, may lead to the accident victim having to pay out of pocket for medical treatment. In fact, Florida is among the top five U.S. states with the highest percentage of uninsured motorists behind the wheel (see Uninsured Motorists). This said, many motorists are under the false impression that they will automatically receive money for their injuries just because they have insurance. Not so unless they carry one of the more costly insurance policies available in Florida such as: Comprehensive, Bodily Injury, Umbrella, etc. (see Insurance Policies for Florida Motorists). Individuals that can afford to carry those insurance policies will most likely only have to deal with the physical and mental ordeal caused by an accident, whereas those that carry basic coverage like PIP and PD, will also have to face the financial pitfalls of an insurance claim brought about against by an insurance claim lawyer if they are found at fault and  for an accident. Fault is fundamental in an accident claim for compensation and it is very important to hire the best car accident attorney to handle an insurance claim. It is important to highlight that insurance companies do not like paying out and will do everything in their power to minimize the injuries and/or damages in an attempt to save money. After all, insurance providers are in the business of making money not spending it. Most often, the other motorist will try to deny fault, as the consequences of admitting to fault will have a negative effect on their insurance premiums as well as their financial situation. That is why, hiring an experienced and trusted car accident attorney if fundamental following a motor vehicle accident because the accident victim will need someone fighting for justice and watching out for their best interests.

PLAWIn Miami, the Perazzo Law Firm strives to provide its car accident clients with the best possible legal representation when seeking compensation for injuries, damages, or losses from those at fault. After having sought medical attention to treat any injuries, and after having notified the authorities, the best thing to do is to contact our Miami or North Miami Beach law office ONLINE for a FREE initial consultation.

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

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.