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Articles Posted in Insurance Claim


COVID-19-Miami-Lawyer-300x300In Miami, city officials have decided to roll-back on the civil liberties residents of Miami-Dade and Broward County barely got a chance to enjoy before COVID-19’s alarming return. With business owners struggling to make ends meet and consumers concerned about safety, what does this mean to to business operators, employees, and shoppers? Given the recent outbreak in COVID-19 cases,  businesses in-and-around Miami that do not meet emergency measures to prevent further spread of the coronavirus, will be forced to close. Which actually benefits the business because it prevents it fall falling victim to COVID-19 related lawsuits (see COVID-19 infected shoppers or work staff). In Miami, the Perazzo Law Firm’s staff of Personal Injury lawyers understands COVID-19 and how residents and business owners are obliged by law to proceed accordingly with regards to safety measures to prevent the spread of the coronvirus in Miami. The best lawyer advice by Jonathan Perazzo, founder of the Perazzo Law Firm in Miami, begins by avoiding contact with individuals in public places, as stated by new government laws recently imposed to face the recent surge in COVID-19 cases in Miami. 



The United States is new to the complexities of dealing with a major pandemic like COVID-19. Nevertheless, negligence within nursing homes and assisted living facilities in Florida have always been a major concern for operators, staff, family members, and not to mention residents, who deserve and should be provided with quality care.

As everyone knows, the coronavirus places elderly residents at a high risk of suffering serious life-threatening conditions. Thus, all necessary safety precautions must be taken, and strict preventive measures applied to keep nursing home residents safe. Sadly, COVID-19 spreads very quickly from person to person, and within populated common spaces, contracting the coronavirus in a nursing home is likely when the virus goes undetected. Nursing home operators and staff members can unknowingly spread the virus and residents can fall victim to neglect by either not receiving proper care or medical attention, or simply testing positive for COVID-19 in a nursing home. When a nursing home resident becomes infected with coronavirus as a result of negligence by nursing home staff or nursing home operators, the victim may be able to receive compensation for bodily injury or mental harm and any losses sustained from medical expenses. An experienced Personal Injury lawyer may be able to help determine grounds for a Personal Injury Insurance Claim for compensation for nursing home residents or family members.



COVID-19-Miami-Lawyer-300x300The massive spread of the coronavirus and the effects on modern life will soon take a futuristic twist as people will look more like space travelers than common Earth folk. With masks, sneeze shields, gloves, and social distancing measures to be strictly enforced, human contact will be limited to those residing in the same household or those sharing the same bed.


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.



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.

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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.


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


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.


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.


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.

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