Recent Posts in Insurance Category

Insurance Company Secret #4 - No Emergency Medical Condition

It took less than a year from the time the new provisions of Florida's PIP statute took effect for insurers to start putting the squeeze on their insureds in an attempt to maximize insurance ...
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10 Worst Insurance Companies

Insurance Industry Employs Delay, Deny, Defend Strategy And Puts Profits Over Its Policyholders Think "you're in good hands" with Allstate? Not so, according to an in-depth investigation ...
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Insurance Company Secret #3 - Subsequent Remedial Measures

Florida Rule of Evidence 90.407 provides that: "Evidence of measures taken after an injury or harm caused by an event, which measures if taken before the event would have made the injury or harm ...
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Insurance Company Secret #2 - Setoffs

In the second installment of Insurance Company Secrets, today we examine setoffs and their application in a jury trial stemming from a car accident. If you or a loved one are injured in a car ...
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Insurance Company Secret #1 - Jury Can't Know About Insurance

There are hundreds of thousands of accidents that occur in Florida each year. These accidents range from car accidents, motorcycle accidents, dog bite accidents, slip and fall accidents, industrial ...
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Never Give A Recorded Statement To An Insurance Company

If you have been involved in a car accident, your whole life may seem like it is turned upside down. One minute, you are driving down the road minding your own business and the next minute, you are ...
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Summary of 2012 Changes to Florida's PIP Statute

The onerous PIP legislation that passed late last Friday night was concocted behind closed doors and was not available for public viewing until 7:30 p.m. that evening. Soon after it was unveiled, it ...
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The Continued Erosion of PIP Coverage In Florida

It is the time of year again when greedy insurance companies are lobbying the Florida legislators in an attempt to leverage changes to Florida's PIP statute to increase insurance company profits ...
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The Importance of GAP Insurance

If you are involved in a serious car accident and your car is deemed a total loss, this in and of itself is stressful. You may have sustained personal injuries, you may be missing time from work and ...
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I Was Injured In A Hit And Run Accident, Now What?

Here at Layman Law Firm, P.L., we receive many telephone calls from people who have been involved in hit and run accidents. These hit and run accidents usually take one of two forms. First, would be ...
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Make Sure The Insurance Company Provides You With A Rental Car!

If you have been involved in a car accident, you may feel like your world is turned upside down. You most likely will have to contend with a number of issues including getting your car fixed, treating ...
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Claims Handling Tactic De Jour ... "Shaving Liability"

"The other driver caused the accident. Why is his/her insurance company not paying the full amount to repair my damaged or totaled car?" This is a question we hear repeatedly in our representation of ...
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Common Insurance Company Delay Tactics

If you have been involved in a motor vehicle accident or have occasion to deal with an insurance company and/or its adjusters, be prepared for the DDD approach to claims adjusting. . . Delay, Deny, ...
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Attendance at CME condition precedent to UM suit and recovery of policy benefits

In State Farm Mut. Auto. Ins. Co. v. Curran, 36 Fla. L. Weekly D195b (Fla. 5th DCA 2011), the Fifth District Court of Appeals held that an insured who refused to attend a compulsory medical ...
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The Myth of "Full Coverage"

Many people who have been involved in car accidents in Florida operate under the assumption that they have "full coverage". While some people do indeed have comprehensive coverage available under ...
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