What Insurance Do I Need to Best Protect My Family in the Event of a Florida Car Accident?

One of the biggest things people are initially concerned about after a car accident, even more so than any injury at first, is their car. People naturally feel helpless without the use of their car, and when its been damaged in an accident, there are a lot of unknowns. Questions like: Whose going to pay for the damage? What if the car is totaled? What about a rental car? How am I going to get work? These are all valid and logical questions, but for those who haven’t had to deal with insurance issues after an accident, these questions can be overwhelming, so it’s important to know what your options are depending on the different scenarios you may face. Here are several such scenarios, and the options available to you should you encounter one. Scenario #1 – You Caused the Accident If you cause an accident and your car is damaged or, worse yet, totaled, you better hope that you purchased collision coverage with your auto insurance policy. Collision coverage will cover you for any damage to your vehicle if it is involved in a collision with another object or vehicle, regardless of fault. So if the accident is your fault and your car’s damaged, your only option is to file a claim with your own insurance company under your collision coverage to get it fixed or replaced. The problem is, not everyone has collision coverage. This is because it is not a required coverage in the state of Florida, and it costs extra to add it to your policy. Given the high costs of car insurance, many people decide not to buy it. The bad news is if you don’t have collision coverage and you cause an accident, unfortunately you’ll have to come out of pocket for all of your own repairs costs, and there will be no insurance money to help. Scenario #2 - The Other Driver Caused the Accident When the other driver is at a fault for your accident, and if that driver has property damage coverage, which is required in Florida, then you can file a claim with the at-fault driver’s insurance and they will pay to have your car fixed up to the limit of that coverage which, in Florida, the law requires a minimum limit of $10,000 in property damage coverage If the repairs cost more than the driver’s limit of coverage - for example, your repairs are 12,000 and the driver only has the minimum $10,000 limit - or, if your car is a total loss and the value of your car exceeds the driver’s limit of coverage, you should then pursue your claim through your collision coverage, if you have it, as there is no limit to repair or replace your vehicle. The only downfall to using your collision coverage is that you will have to pay your deductible, if any, which will then be returned to you by your insurance company once they recover from the at-fault insurer. However, if you don’t have collision coverage, your only other option would be to go after the other driver personally for any amount over and above the policy limit and, in most cases, that’s probably not worth your time. Now it’s important to know that once the at-fault driver’s insurance accepts liability for the accident, then it’s at this point that they will also provide you with a rental car – if your car is a total loss - which you can use until the insurance company provides you with a valuation of your loss and agrees to pay your claim. However, if your car is not a total loss, a rental will only be provided for the time period that your car is being repaired. Sometimes though, it can take a few days, depending on the type of accident, for the insurance company to make a liability decision, so you may be without a vehicle during that time. If you have rental car coverage on your own policy and you’re in dire need of a car, then going your insurance for the rental car will be a whole lot faster. Scenario #3 - The Other Driver Caused the Accident and There are Other Vehicles that were Also Damaged in the Crash In this situation, when there are multiple vehicles that have been damaged, if the at-fault driver doesn’t have property damage coverage, then everyone is out luck unless everyone had their own collision coverage. However, if there is property damage coverage, the at-fault’s driver’s policy will need to be disbursed to each of the parties involved, and this will be done on a pro rata basis. Here’s an example. Let’s assume that there were three cars involved that were damaged in the crash, one being yours. Let’s also assume that the estimates for the damage to each car combined totals $24,000. Now if the at fault driver only has the minimum $10,000 limit in property damage coverage, the policy will be divided like this: You take your repair cost and divide by the combined total for each of the three cars, that will give you your percentage rate which you then multiple by the $10,000 policy limit, and then that will give you your pro rata share of the policy. You then do that for each of the 3 damaged vehicles and that is how the $10,000 policy will be divided amongst the 3. Car A $14,454/24,000= .060225 x $10,000 + $6,022.50 Car B $7,078./24,000=.029494 x 10,000 = $2,949.40 Car C $2,467.50/$24,000 = 0.10281 = $1,028.10 To sum it all up, it cannot be stressed enough just how important it is to have collision coverage given the number of uninsured drivers on the road and the minimum state requirements for property damage coverage. Although nobody has a crystal ball and can tell you if or when you might be in an accident and need it, you can protect yourself and your investment by simply spending the extra few dollars a month that it costs and, more importantly, you’ll have that peace of mind knowing that you’re covered regardless of the situation. Call Jim The Lawyer After Your Apollo Beach Car Accident Hiring an experienced car accident lawyer can make all the difference in the outcome of your Apollo Beach car accident case. If you’ve been injured in a Apollo Beach, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. Contact Jim The Lawyer at (813)937-9907 for a FREE Consultation and Case Evaluation .

Driving is probably the most dangerous activity we do and for most of us, we do it every single day, and the statistics relating to driving and accidents are out of this world. According to the National Highway Traffic Safety Administration, one out of every three drivers will be involved in an injury accident during their lifetime. Worse yet, as a motorist, you can expect to be involved in an accident once every 10 years. For Florida drivers, the numbers don’t get any better. In fact, the state of Florida ranks third for total number of car accidents, behind only California and Texas. So, it’s safe to say that if you live in the state of Florida, the chances of you getting into a car accident are pretty high. The unfortunate truth is that when you’re in a car accident, your vehicle is going to get damaged and, if you’re one of the unlucky one out of three drivers that suffers an injury, you’re going to incur medical bills and other losses. The question is – who is going to pay for all of this? Well, that’s what insurance is for, if you’re lucky, because there are a lot of drivers out there that don’t have insurance. In fact, Florida currently ranks first in the nation for having the highest percentage of uninsured drivers – sitting at 26.7%. That’s more than one out of four drivers on the road that are uninsured - meaning those drivers have no insurance, whatsoever. It’s like playing Russian roulette. And here’s one more awful fact, Florida is also the only state in the country that doesn’t require drivers to carry bodily injury insurance coverage, which is insurance that protects you in the event the other driver caused the accident and you were injured. So although almost 27% of Florida drivers are totally uninsured, that percentage is a lot higher when factoring in the drivers who don’t carry bodily injury insurance coverage. As injury attorneys, there is nothing worse than having to tell a client that there is no insurance on the part of the other driver that will compensate them for their losses. What’s even worse is when the client doesn’t have the proper insurance to make up for this. For example, a recent client was involved in a rear-end accident that totaled his car. The accident clearly wasn’t his fault, because he was rear-ended. As a result of this crash, he lost his car and, to make matters worse, he also injured his neck pretty good, and he is now treating with a doctor for that injury. Come to find out that the other driver did not have insurance because their policy expired several weeks before the accident. That means that there is no property damage coverage to cover the loss of his car, and there is no bodily injury coverage to cover him for his injuries. To make matters even worse, although he had his own insurance, he unfortunately didn’t have the insurance coverage he needed to make up for what the other driver didn’t have. So, aside from his PIP coverage that will only pay a portion of his initial medical bills, he was out of luck with no insurance to recover from for his injury, or for his car. How can you prevent this from happening to you? Well, for starters, don’t look to your car insurance as a place to save costs when doing your monthly budget, as car insurance is nothing to skimp on. In fact, what we recommend is to actually spend a little more on your insurance. In Florida, the law requires you to maintain a minimum amount of insurance coverage, and I’m sure that’s true in every state. Here in Florida, you’re required to carry property damage coverage, that will protect the other driver for their vehicle damage in the event you were to cause a crash, and you’re required to carry PIP coverage. PIP is short for Personal Injury Protection and is otherwise known as no-fault insurance. PIP covers you for some of your initial medical bills or lost wages, regardless of fault for the accident – hence the name no-fault. But it won’t cover you for everything. So to make sure that you can make up for the insurance that the other driver doesn’t have, you need to purchase these two things: 1. You Need Collision Coverage Collision coverage will pay for the damage to your car regardless of fault. So if the other driver doesn’t have property damage insurance, you can still get your car fixed with minimal out of pocket expense as long as you have collision coverage. So unlike my client who chose not to have collision coverage, was hit by the uninsured driver and now can’t get a new car, if you buy collision coverage you’ll have peace of mind that this won’t happen to you. Collision coverage will also cover your car in the event you hit a tree, or telephone pole, or have any other sort of accident that doesn’t involve another car. 2. You Need Uninsured Motorist Coverage Uninsured motorist coverage is so, so important, especially here in Florida. If you buy it, it will cover you for your injuries over and above PIP in the event you were injured due to the fault of an uninsured motorist . So if you’re one of the unlucky ones and are hit by one of the 26.7% of uninsured drivers on the road, or you’re hit by a driver who is insured but didn’t buy bodily injury insurance coverage, you can then turn to your own insurance company to make up for it, subject to your limits of course. It will also apply to compensate you for injuries in the event you are injured by someone who is underinsured, meaning they didn’t carry a high enough limit of bodily injury insurance to compensate you for your injury. And it will apply to you and your family members. Call Jim the Lawyer After Your Florida Car Accident When you’re in a Florida car accident, it is not only important to have the right insurance coverage, it’s also important that you hire the right attorney to handle your Florida car accident claim. Hiring an experienced car accident lawyer can make all the difference in the outcome of your Florida car accident case. If you’ve been injured in a Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. Contact Jim The Lawyer at (813)937-9907 for a FREE Consultation and Case Evaluation.

When you’ve been injured in an accident, you can bet that the insurance company is going to analyze everything that you do from the time of your accident forward, and there are certain things that they’re going to look for, that they will rely on, and that will give them an argument as to why they shouldn’t pay you at all, or why they should pay you less for your claim. The truth is that insurance companies are smart, and unlike most people who aren’t in the insurance or legal industry, the insurance company understands that after an accident, your medical records will tell a story. Insurance companies also know that most people (Jurors) will believe this story, because if it is in your medical records, then it must be right. The problem is that people who’ve been injured in an accident are not thinking about the story that their medical records are telling. Instead, they’re just going about their daily lives, dealing with all of their normal daily responsibilities, while at the same time also trying to recover from their injury. It’s a lot to juggle, and the insurance companies use this to their advantage because, for most, when it comes to dealing with their life versus treating for, let’s say a neck or back injury, many will choose dealing with their responsibilities because life doesn’t stop just because your injured. Insurance companies take advantage of this fact, and they use it against you by painting a picture that your actions aren’t consistent with someone whose been seriously hurt. But if you do these three things, you can effectively take away these arguments. 1. Go to the Doctor as Soon as Possible After Your Accident This may sound like a no brainer but there are a lot of people who put off going to the doctor for sometimes days and even weeks after an accident. They do this in hopes that their injury will get better on its own, or just because they don’t like going to doctors. The problem is that any delay in seeking treatment, especially if significant (ex., greater than 7-10 days), will give the insurance company an argument to justify a lowball offer. The argument is that they don’t believe you could have actually been injured in the accident because, according to the insurance company (and many people believe this as well), if you were, in fact, injured in the accident, you would’ve seen a doctor sooner. You can avoid this type of argument by just going to the doctor right after your accident. Even if it’s just an urgent care visit or going to a chiropractor. The point is that you just need to document your complaints early and as close to the date of the accident as possible. 2. Be Consistent with Your Medical Treatment When looking at the medical records of someone who has been injured in an accident, one of the most concerning things to see is sporadic treatment. An example of this is when a person will treat consistently for a month or two, and then they stop treating at all for the next 2 or 3 months, or maybe even longer, and then they go back to treatment. The problem with this type of sporadic treatment is that it creates what insurance companies call a gap in treatment. A gap in treatment is a period of time in which there is no medical treatment, whatsoever, for your injuries. This can be the period of time from the date of your accident until your first date of treatment, as discussed above, or a period of time between two treating appointments, with no medical explanation. Insurance companies love gaps in treatment and they’ll use any gap in treatment to argue that you either weren’t hurt in your accident, or that your injury resolved and any treatment after the gap is not related to the accident. But if you consistently treat for your injuries, even if it’s just a regular maintenance appointment, the insurance company will take note of this and they won’t be able to make this argument. 3. Follow Your Doctors Recommendations The absolute worst thing you can do for your injury case is to not follow your doctor’s recommendations. Aside from some exceptional circumstances, like caring for a sick family member, there is really no good explanation for not following your doctor’s recommendations. A good example of this is when therapy (ex., physical therapy or chiropractic) has been recommended and the injured person either doesn’t go at all, or doesn’t go at the recommended rate. Or, worse yet, when therapy hasn’t fully resolved a person’s pain and the doctor recommends a pain management procedure – like an epidural steroid injection - and the person refuses this treatment. While it is understandable for someone to not want to have an injection, because nobody likes injections, the problem is that when you’re asking someone to pay you for your medical treatment and even more for your pain and suffering, you have to bet that the person or insurance company is going to look at the fact that you refused to do something that could have helped you, and they’re going to think that maybe your just not as injured as you claim. Bottom line, if you want to increase the value of your personal injury case, you have to have early and consistent medical treatment, and you have to be compliant with what your doctors tell you. Anything short of this, you’re just helping the insurance company. More importantly, you’re costing yourself valuable dollars in recovery. Call Jim The Lawyer, Accident and Injury Attorney, After Your Apollo Beach Car Accident Hiring an experienced car accident lawyer can make all the difference in the outcome of your Apollo Beach car accident case. If you’ve been injured in a Apollo Beach, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. Contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation .

As we age, most of us will suffer some degree of degeneration. It’s called the aging process. Some people can have pretty severe degenerative conditions and be completely asymptomatic, and never know it, for their entire life. Whereas others may be symptomatic and suffer daily from this condition. For those who are asymptomatic – meaning that they have no symptoms of any problem - a single traumatic event can make that otherwise asymptomatic condition become symptomatic. And for those who have symptoms, any traumatic event, like a car crash, can aggravate their condition and makes it worse. In either case, the underlying degenerative condition would be considered a pre-existing condition to the traumatic event. The issue of pre-existing conditions and injuries comes up a lot in injury cases and, despite what many people think, the fact that you may have a pre-existing condition does not bar you from pursuing a personal injury claim. With that said, it can pose some challenges. This is because insurance companies love to point at any pre-existing condition and use it as a defense to claim that it is the pre-existing condition that is the cause of all your problems, and not whatever accident you were involved in. But what can you really do about it? Well, if you’ve been involved in a traumatic event – like a car crash - you can’t do anything about the fact that you have a pre-existing condition, but you can take some steps to make sure that it’s clear and known that your pre-existing condition either became symptomatic due to your accident, or that your condition was aggravated as a result of it. Here are three steps you can take to ensure that your records are properly documented when it comes to your pre-existing condition and the effect your trauma had on it. 1. Report your Accident Immediately Making a report of your accident at the time it occurs is extremely important. Whether it’s calling the police after a crash or reporting a slip and fall to store management, this is your first opportunity to document the event and, more importantly, any corresponding symptoms that you may have. This is also the first place the insurance company is going to look to see if you made any complaints of pain. If you report pain immediately after an accident, it makes it much easier to point to that accident as the cause of your pain rather than having it be due to some preexisting condition. To the contrary, if you don’t report it or, worse yet, you report the accident but don’t report your complaints, the insurance company is going to think that you were fine at the scene, and it will make it easier for them to say that any later problems aren’t related. 2. Go to Your Doctor Immediately After Your Accident Probably the most important thing you can do if you have a pre-existing condition and then aggravate it in an accident is to go to the doctor as quickly as possible after your accident. This is true even if your condition was asymptomatic. The longer you wait to go a doctor after your accident the more that there will be what insurance companies call a gap in treatment. And in this scenario, the gap would be the period of time between the date of the accident and the first date of treatment. The longer this period of time, the more the insurance company will argue that the accident didn’t cause your problems. This is especially true if you had prior treatment for a pre-existing condition. But if you go to the doctor right after the accident, then you’ve at least documented the event in your medical records contemporaneously with your complaints. This makes it harder to argue that the accident had nothing to do with your problems. 3. Tell Your Doctor How Your Symptoms are Different This obviously only applies to someone who has had prior treatment for a condition, and not someone who was asymptomatic before an accident. If you’ve had prior treatment for your condition, telling your doctor how your symptoms are different or worse (actually describing the difference) is very important so that your doctor is able to note any differences in your records. The closer this is documented to the time of the accident, ideally on the same day, the better off you are. Then it is all about consistency from that point on. When it comes to pre-existing conditions, it’s all about documenting your complaints early and, if you do have a prior condition that you know about, it’s about making sure that the doctors know how your symptoms are different from before. Call Jim The Lawyer, Accident and Injury Attorney, After Your Riverview, Florida Car Accident Hiring an experienced car accident lawyer can make all the difference in the outcome of your Riverview car accident case. If you’ve been injured in a Riverview, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. If you’ve been injured as a result of someone else’s negligence, contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation.

When searching for an accident lawyer near me, it’s easy to just read all of the great things that a lawyer says about themselves on their website and automatically think that they’re great and that you should hire them to handle your car accident case. However, that’s the last thing you should do. When interviewing lawyers to handle your case, it’s important to pay attention to how the lawyer treats you and your case before they’ve been hired, and also to the things that they promise you to entice you to hire them. Below are 5 red flags to look for when hiring a Ruskin accident lawyer. However, keep in mind that even if a lawyer exhibits one or more of these red flags, it doesn’t necessarily mean that the lawyer or their firm isn’t a good firm or that the law firm doesn’t have some good lawyers in it. The presence of one or more of these red flags should, at the least, cause you some concern - because the presence of any one of these can be a glimpse into the window of how you’re likely to be treated as a client. It should also cause you to question whether that firm or lawyer is really the right fit for you or whether you should continue shopping for a lawyer. When you’ve been injured in an accident, THE MOST important decision you’ll make is choosing the lawyer that will handle your case. This can’t be stressed enough, as there are a lot of lawyers out there and not all of them are suited or qualified to handle a personal injury case, even if they say they do. And a lot of firms, quite frankly, who may have perfectly qualified attorneys, have strayed away from individual client care and are now focused too much on the business and marketing aspect of the profession. And for someone whose been injured and is looking for a lawyer, it’s not easy to figure out who you’re actually dealing with until, unfortunately, it’s too late. Remember, when you’re injured in an accident you only have one case, whereas any given lawyer or law firm can have upwards of a 100 or more, and in the case of a large firm, possibly thousands of cases at any given time. And what’s most important as an accident victim - is finding a lawyer that’s going to treat your one case like it’s just as important to them as it is to you, no matter how big or small your case may be. So when you’re looking to hire an accident lawyer, be on the lookout for these red flags. 1. Not Offering You a Free Consultation The free consultation is the most important step in the hiring process of a personal injury lawyer and it’s something that’s offered by every injury lawyer and law firm. It’s important because hiring a lawyer shouldn’t be just calling a phone number off a billboard and just agreeing “ok, since I see your face on all these billboards and commercials, you’re now my lawyer”, no - rather it should be an interview process. That’s exactly what the free consultation is designed for. It’s your one opportunity to sit down face to face with your potential lawyer and actually talk to that lawyer about your case because, chances are, unless the lawyer was referred to you or is a family friend, it’s probably the first time you’re actually meeting that lawyer. More importantly, this is also your time to ask questions and get a feel for how you and that lawyer interact, which is extremely important. Believe it or not, not all lawyers get along with their clients and vice versa. Unfortunately though, what often happens is that many lawyers and law firms, and this is especially true nowadays since there are so many firms that mass advertise and have a volume business - they won’t even offer you this meeting. Instead, once you call them and give them some information about your case, they’ll just push to get their paperwork to you as quickly as possible so that you sign up as a client. This is a lot easier now that more and more people and law firms are using DocuSign and, surprisingly, a lot people just go along with this, like this is somehow how it’s done. So if you call a law firm looking to hire a lawyer and they don’t offer you a free consultation with a lawyer, ask for one. Your case is too important to just rush through this very important decision. 2. Sending a Non-Lawyer Out to Meet With You This one is way too common. So here’s the scenario – you’re in an accident, and you’re injured from that accident, so you call a law firm. The person who takes your call at the firm asks you some questions, takes down your information, and then schedules someone to come out to your home to meet with you. That’s great, right – you’ll get the chance to talk to someone about your case in person, and you’ll get any questions you have answered at that time. Then, when it comes time for your meeting, a person from the firm, or on behalf of the firm, shows up at your home, but they’re not a lawyer. Instead, the law firm has sent out an investigator or, or maybe even a paralegal or a legal assistant with a bunch of paperwork for you to fill out and sign. This should be a huge red flag for you because, if you just sign that paperwork, you’re now their client and you haven’t even met your lawyer yet. Now, presumably your case is important to that lawyer or law firm, because they just spent resources sending someone out to meet with you. But if the lawyer who you call, or the one who is going to be handling your case, or both, can’t take the time out of their day to sit down and talk to you personally about your case – which is important to you and should be just as important to them – if they can’t do that at this early stage in your case when they are trying to get your business, this should be a huge red flag for you. What this tells you is that later on in your case, if you actually sign up with them, that your lawyer probably won’t have time for you then either. And the last thing you want is to hire a lawyer who you’ll never, or rarely if ever, get to talk to. 3. They Don’t Specialize in Handling Personal Injury Cases There are a lot of lawyers out there and many of them handle a variety of different kinds of cases, ranging from bankruptcy to criminal law, Divorce, and even personal injury law. While this was common in the past, in today’s legal environment things have become much more specialized. And the reason for this is that the law is constantly changing and it can often be very difficult to keep up on all the changes unless you’re immersed in the subject on a regular basis. A lot of lawyers use the analogy of a heart surgeon. If you had a heart problem, would you go to your family doctor for it. Of course not, you’d go to a specialist. Well, the same is true for a lawyer. And while you would think that any competent lawyer could handle, for example, a car accident case, they can’t, at least not as well as a lawyer who handles car accident cases every single day. So if you’re shopping for a lawyer to handle your accident case, hop on their website and see if that’s all they do. If not, that red flag should be waiving. 4. They Promise You a Certain Result Believe it or not, this actually happens. Some lawyers will make promises and guarantee outcomes just to get a new client to sign up with their firm. The problem is that no lawyer can promise or guarantee anything with regard to the outcome of your case. This is especially true early in your case as there are so many different factors that go into determining the value of a case, and many of those won’t even be known until you’ve been treating for your injury for a period of time. Things like how much your medical bills are, or if you’ll need future medical treatment. If so, what will the cost of that future treatment be? These are things that could never be known at the outset of most cases, and are very important factors in determining the value of a case. So if a lawyer tries to tell you how much money they’ll get you or how much your case is worth before you even hire them, you may want to keep shopping. 5. They Promise You How Long Your Case Will Take Just like promising a certain result for your case, promising you how long it will take to resolve your case is virtually impossible. There are so many different factors that affect how long any given case may take, things such as 1) the amount of insurance coverage involved; 2) your medical treatment; and 3) are there any disputes as to liability. For example, if it’s a car accident case, is it clear who is at fault or is the insurance company challenging this. If so, a lawsuit may be needed and that will take time. Sometimes, even the negotiation process alone can take a lot longer than anyone would ever imagine. The bottom line is that all cases are full of unknowns, and when a lawyer tries to tell you otherwise, especially when you haven’t even hired that lawyer yet, you should look at it for what it really is - and that’s to get you to sign up as a client. To sum it all up, the legal profession is not unlike most highly competitive industries where it’s all about growth and streamlining the entire process. But given how important an injury case is to the person who suffered the injury, and the fact that their case is their one and only opportunity to recover for what are often life changing injuries, choosing a lawyer to handle your case should not be taken lightly. Just like you would do when choosing how to invest your finances, which you certainly wouldn’t do by just looking a billboard, choosing your lawyer should be done with the same due diligence. So be on the lookout for these red flags, and if you see one, strongly consider whether you should continue your search, because hiring the right lawyer could make or break your case. Call Jim The Lawyer, Accident and Injury Attorney, After Your Ruskin Car Accident Hiring an experienced car accident lawyer can make all the difference in the outcome of your Ruskin car accident case. Lawyers who focus their law practices on car accident cases possess the knowledge, skill, reputation, and resources to help get you the best results, no matter how complex or contentious your claim becomes.  There's no time like the present to start searching for the right car accident lawyer near me to handle your injury case. If you’ve been injured in a Ruskin, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. If you’ve been injured as a result of someone else’s negligence, contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation.

As is obvious by all of the attorney billboards that pepper the side of every street, and all of the television and radio commercials that are played constantly throughout each day, it’s safe to say that there is no shortage of lawyers who claim to be car accident attorneys. However, with so many to choose from, how do you know which one is good and, more importantly, which one you should choose to hire to handle your Apollo Beach car accident claim. Find the right attorney to represent you is one of the most important decisions you will make when it comes to your car accident claim. A skilled accident lawyer can make all the difference in the outcome of your claim, and can help you navigate the complex insurance and legal issues that often arise in car accident cases. To assist you in finding the right attorney for you, here are five qualities to look for when search for the Best Car Accident Lawyer Near Me. 1. SPECIALIZED KNOWLEDGE IN CAR ACCIDENT CASES When looking for a car accident lawyer near me, you will see that there are many attorneys that handle cases involving multiple areas of law like Divorce, Immigration, and Criminal Law, and then they also have listed Car Accidents or Personal Injury. While this was common in the past, in today’s legal environment things have become much more specialized. And the reason for this is that the law is constantly changing and it can often be very difficult to keep up on all the changes unless you’re immersed in the subject on a regular basis. When searching for a car accident lawyer, it’s vital to choose someone with specific experience in handling car accident cases. A lawyer that handles car accident cases all day, every day, will be well-versed and current on all of the updated laws relating to accident and negligence claims, which are ever changing, and on all the current insurance company trends when it comes to things like ensuring that your client is receiving the right treatment for the injuries involved, valuing particular injuries, and negotiation tactics. These qualities are invaluable when it comes to maximizing the value of your claim. 2. TRACK RECORD OF SUCCESS While past performance is not always indicative of future results, it is a good measuring stick. When searching for a car accident lawyer to handle your car accident claim, it is important to look for an attorney with a proven track record of successful outcomes on car accident cases. This demonstrates the ability of the attorney when it comes to dealing and negotiating with insurance companies. That’s why it’s important that you ask the attorney about their track record involving similar types of accident before agreeing to sign anything. 3. TRIAL EXPERIENCE With the evolution of the billboard lawyer there has also been the unfortunate evolution of the “settlement lawyer.” A “settlement lawyer” is a lawyer who takes on accident cases – sometimes in bulk – and then proceeds to settle each case for the highest offer they’re able to get from the insurance company, whether the amount is fair to the client or not. These are lawyers who rarely, if ever, step foot inside a courtroom. While many car accident cases do settle out of court, it’s important for the insurance company to know that if you are unable to fairly settle a case, that the attorney is prepared to take your case to trial if necessary. Insurance companies are more likely to offer fair settlements when they know your lawyer has a reputation for success in the courtroom. An established reputation often leads to better results, as both defense attorneys and insurance companies keep track of attorney reputations, and they’re not afraid to use it to their advantage. 4. YEARS OF PRACTICE While this should not be the only factor you look at when searching for a car accident lawyer near me, the number of years an attorney has been practicing can be a good indicator of their experience level. An experienced car accident lawyer will, more likely than not, have faced numerous accidents similar to yours over the course of their career, and they have likely developed effective strategies for dealing with many of the issues that are likely to arise in your case. 5. POSITIVE CLIENT REVIEWS Nothing speaks more highly of an accident lawyer than praise from their previous clients. That’s why it’s important to look for attorneys who can provide feedback from satisfied clients. While no lawyer will have perfect reviews across the board, look for consistently positive feedback that highlight the lawyer’s professionalism, dedication, and aptitude for resolving car accident cases. CALL JIM THE LAWYER, ACCIDENT AND INJURY ATTORNEY, AFTER A FLORIDA CAR ACCIDENT Hiring an experienced car accident lawyer can make all the difference in the outcome of your Apollo Beach car accident case. Lawyers who focus their law practices on car accident cases possess the knowledge, skill, reputation, and resources to help get you the best results, no matter how complex or contentious your claim becomes. There's no time like the present to start searching for the right car accident lawyer near me to handle your injury case. If you’ve been injured in an Apollo Beach, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. If you’ve been injured as a result of someone else’s negligence, contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation.

Nobody expects to be in a car accident. Every year, thousands of people are forced to deal with the consequences of a car accident and the devastating effects that it can have on one’s life. In addition to dealing with injuries and vehicle damage, many people also face mounting medical bills, lost wages, and other financial pressures. Worse yet is the stress of having to deal with multiple insurance companies that will inevitably begin calling before the dust from the accident even has a chance to settle. Despite these facts, there are many people who are tempted to try to handle their own car accident claim. This is especially true in the case of a “minor” accident. These people are under the mistaken belief that handling their own claim will somehow save them money. Unfortunately, most people who handle their own claims quickly learn otherwise. There are many advantages to hiring a lawyer after a Ruskin, Florida car accident. Here are some of the key advantages to working with a lawyer after a car crash: Key Advantages of Working with a Lawyer After a Car Accident Investigate and Gather Evidence After a car accident, one of the most important things that needs to be done first is to properly document the accident and preserve key evidence. In addition, if there is any dispute as to how the accident occurred, a thorough investigation must be conducted. This involves much more than just taking a few photographs at the scene. An experienced car accident lawyer will conduct a thorough investigation to help build you the strongest case possible. This will often involve: Visiting and documenting the scene Interviewing witnesses Canvassing the area for surveillance footage Reviewing traffic cameras if available Examining vehicle damage Obtaining and analyzing vehicle EDR data (Black Box data) Analyzing skid marks Hiring and consulting with an accident reconstructionist if necessary Assist in Building Your Claim for Damages When you’ve been injured in a car accident, it’s extremely important that you properly document all of your injuries and obtain the right medical treatment to effectively maximize your claim. It is not enough to just simply go to your primary care doctor or to some specialist right after your accident, and then expect the insurance company to pay you. While they may pay you, the amount that you will receive will be far less than when you properly document and build your claim for damages. A lawyer will ensure that you see the right medical providers and that your injuries will be properly documented for the insurance company to thoroughly assess your claim. Accurately Valuing Your Claim Fairly valuing a person’s injuries can often be difficult. This is especially true if the injuries are your own and you have no experience in assessing the value of the various types of injuries commonly seen with car accident claims. That’s why hiring an experienced injury lawyer is important for your claim. An experienced Ruskin injury lawyer will evaluate all of your damages to determine fair compensation, including: Past medical expenses Future medical expenses Past lost wages Loss of future earning capacity Pain and suffering (Past and future) Loss of enjoyment of life (Past and future) Mental anguish/emotional distress Property damage Skilled Negotiation with the Insurance Company Not every case settles before trial, but there is a time during which negotiations will take place on your claim. This is the time when the insurance company will try everything possible to minimize any potential payout to you. Insurance companies do this on a daily basis, which is why it’s even more important that you hire a lawyer that focuses solely on injury claims. An experienced injury lawyer will: Present all compelling evidence to support your claim Negotiate from a position of strength using legal and evidentiary arguments Recognize and counter common tactics used to devalue claims Credibly threaten litigation if necessary Litigation Experience and Resources Unfortunately, insurance companies don’t always pay fair compensation to settle claims. That’s when a lawsuit becomes necessary. Filing lawsuit and litigating your case can help force an insurance company to treat you fairly. However, litigation can often be complex and, in some cases, expensive. Hiring an injury lawyer with litigation experience can help put you on an even playing field with the insurance company. An experienced injury lawyer has: Resources to cover litigation costs Access to necessary experts In-depth knowledge of the relevant laws and procedures Experience presenting all relevant information persuasively in court Avoiding Costly Mistakes This is one of the most important advantages to hiring an injury lawyer to handle your case. The claims process can be confusing and there are many pitfalls for those unfamiliar with the process. Any mistake can prove costly to your case. An experienced Ruskin car accident lawyer can help you avoid the serious consequences associated with these mistakes. Relieve Stress and Save Time Handling a car accident claim can take a significant amount of time. When you’ve been injured in a car accident, the one thing you likely won’t have is time. Between going to various doctors while still trying maintain your normal life and schedule, adding the burden of fielding multiple phone calls from various insurance companies and the worry of doing the right thing to avoid hurting your claim can all be overwhelming. Hiring a lawyer allows you to focus on your physical and emotional recovery without any of this added stress. Higher Settlements Most importantly, hiring an experienced injury lawyer can increase the value of your claim. In fact, according to the insurance industry’s own research, people who hire an injury lawyer after a car accident recover, on average, three times more than those who don’t. Call Jim The Lawyer, Accident and Injury Attorney, After a Ruskin, Florida Car Accident If you’ve been injured in a Ruskin, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. If you’ve been injured as a result of someone else’s negligence, contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation.

Unfortunately, car accidents are a common occurrence. They are also very inconvenient, often occurring while you are on your way to or from work, an important appointment, or even picking up your children. Thankfully, most car accidents are minor, and the people involved are often able to just drive away from the scene. This can make it very tempting to just exchange insurance information with the other driver and go on with your day, without calling the police. But should you do this? When asked, we always advise people that the police should be called after every Florida car accident. While this can be time consuming in the case of a minor accident, there are a number of reasons why you should. The Law May Require You to Call the Police In certain cases, you are legally required to either call the police from the scene of the accident or report it to the police within a certain period of time after it. Florida statute §316.066 requires you to contact the police and file a report in any accident that involves or causes any of the following: $500 in property damage to either or both vehicles; Any injuries, “complaints of pain or discomfort,” or death; Any vehicle to require towing from the scene; Involved a commercial motor vehicle; or Involved a drunk driver. In any of these cases, a report must be filed. If you do not call the police from the scene, the law requires that you must do so within 10 days from the date of the crash. You can do this by contacting the appropriate law enforcement agency where your accident occurred, which may be the Florida Highway Patrol, the county sheriff’s department, or the city police. The Police Report is Your First Opportunity to Document the Crash and Any Injuries or Complaints You May Have The most obvious reason to call the police to the scene of your accident is so that your accident can be promptly and properly documented. This will help to avoid any confusion later on as to what occurred. This is important, especially if there are independent witnesses who need to be interviewed. Interviewing them right away will ensure that the facts of what they witnessed are still fresh in their mind. This will make the witness less susceptible to attack later on due to the possibility of a faded memory. More importantly, the police report is you first opportunity to document any physical complaints that you may have. This is important because the police report is the first place that the insurance company will look to see if you made any complaints if you later report a claim for injury. If there is no report, the insurance company will likely argue that the accident couldn’t have caused any injury because it was too minor to even report. However, if your back was sore at the scene and the officer noted that on the report, a later claim of a back injury can more easily be related to the crash. No matter what, it is always important to tell the investigating officer about any possible injuries, whether they may seem minor or not. This way, if the injury isn’t minor, and doesn’t go away, your complaints will be documented early and as close to the time of the accident as possible. You May Not Know Your Injured Right Away Oftentimes, people who have been involved in a car accident don’t even know right away that they’ve been hurt. Symptoms can sometimes take days to appear. If you don’t call the police, there will be no official record that your accident even happened. If you then later call the insurance company to report an injury, they are likely going to argue that there is no proof that your accident ever happened, or that something else was the cause of your injury because your accident was so minor that you didn’t even bother to report it. This can all be avoided by simply calling the police when your accident happens. Call Jim The Lawyer, Accident and Injury Attorney, After a Riverview, Florida Car Accident If you’ve been injured in a Riverview, Florida car accident, Jim The Lawyer is here to help you fight to get the maximum compensation you deserve for your injury. If you’ve been injured as a result of someone else’s negligence, contact Jim The Lawyer, Accident and Injury Attorney, at (813)937-9907 for a FREE Consultation and Case Evaluation.