Articles Posted in Insurance Claim

CELL 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

In 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!

En 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

Cuando 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.

The Undervalued Importance of Uninsured Motorist Coverage

Though 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