septiembre 2020

COBERTURA UM/UIM ¿TIENE SUFICIENTE?

To start with, driving in Florida can be a constant struggle. Because of the traffic, distractions, and amount of uninsured motorists on the roadways, car accidents happen all the time. So, do you have UM/UIM coverage to protect yourself from uninsured motorists? More importantly, do you have enough coverage? As this could be the single most important type of auto insurance you carry.

In reality, most people do not have enough coverage. And, even though a driver may be “at fault” it does not mean that they have insurance to cover your injuries. So, having enough UM/UIM coverage could make a difference in your ability to recover damages.

What is UM/UIM Coverage?

So, you might be wondering how is UM/UIM coverage different from my Bodily Injury coverage? Well, UM coverage will cover you for damages caused by another driver. And, UIM coverage will pay damages when the at-fault driver does not have enough coverage. Specifically, a UM/UIM policy will you to recover the following:

• Gastos médicos pasados y futuros
• Salarios caídos
• Non-economic damages like a permanent disability

UM Coverage Stacking

By the way, if you currently have or you’re considering UM/UIM coverage ask about stacking. Particularly, stacking allows you to stack coverage based on the number of cars covered on your policy. As an example, if you have a $30,000 UM/UIM policy and two cars on the policy, you stack the policy giving you $60,000 in coverage.

So, before you decline UM/UIM coverage do some research. And, make sure you are making the right choice in coverage to protect yourself. As well as, giving yourself the ability to handle any financial fallout from a car crash.

UM/UIM CLAIM IN NO-FAULT STATE

In a “no-fault” state your insurance company will cover things like medical bills and lost wages regardless of fault. However, they will only cover up to the limits of your coverage. As for your auto repairs, you would need separate collision coverage.

In this situation, you could use your health insurance for your medical bills. Then you could use your collision coverage for repairs needed for your vehicle. However, you will be responsible for the deductibles and you can forget about any lost wages.

As a result, it would be beneficial for all drivers to carry uninsured/underinsured (UM/UIM) motorist insurance. It’s a good way to counter an otherwise terrible situation. So, if a driver that doesn’t have insurance hits you, your UM insurance will cover you. Because of the reasonable cost of a policy, you should get as much as you can afford.

COMUNÍQUESE CON UN ABOGADO DE ACCIDENTES AUTOMOVILÍSTICOS EN TAMPA

En resumen, después de un accidente automovilístico, es posible que no conozca sus derechos. Sobre todo, no luche solo durante el proceso. En realidad, nuestro equipo de lesiones personales está aquí para ayudarle con cualquier necesidad legal que pueda tener relacionada con su accidente.

Por último, que RHINO Lawyers responda a sus preguntas y revise los hechos de su caso con una consulta gratuita. Así que comience completando el “Evaluación de caso instantánea y gratuita”o llamándonos en cualquier momento, día o noche, al 844.329.3491.

LAS RECLAMACIONES POR LESIONES Y LAS DEMANDAS NO SON LO MISMO

To begin with, you have the right to compensation when injured in an auto accident by a negligent driver. But, did you know you have two options? Particularly, you can file an auto injury claim or injury lawsuit. Although many people do not realize auto injury claims and injury lawsuits are not the same.

In fact, they have very different processes. Because of this how do you know what option is best for you? Well, that would depend on the severity of your injuries and the damages caused by the accident. So, to help take the path that is best for you we recommend speaking to an auto accident attorney.

Auto Injury Claims

Usually, filing an auto injury claim with an insurance company is the first step people take. Thus, it involves sending a formal request to the at-fault driver’s insurance company. And, depending on the situation you might need to file with your insurance or your employer’s insurance. Other options include filing with a homeowner, or a business owner’s insurance company.

Next, the insurance company will perform an investigation of the claim. Though it is important to remember the insurance company does not have your best interest in mind. So, do not speak to them without talking to an auto accident attorney first.

Auto Injury Lawsuits

Notably, auto injury lawsuits help accident victims recover compensation for their injuries. Although, most take this legal action because they could not agree on a settlement with the insurance company. So, this is where having an auto injury attorney is beneficial. Because they know the processes for filing the lawsuit on your behalf.

Now, this civil action against the at-fault driver is more complicated than filing a claim. But, it allows the victim to recover damages for injuries, loss of wages, and damaged property.

How An Auto Accident Attorney Can Help

Finally, whether you need to file a claim with the insurance company or civil suit against the at-fault driver, you should hire a lawyer. Because your attorney will investigate your claim and gather important evidence. And use it to support your claim. For example, they will get the police reports, statements from witnesses, and medical records. As well as, any information on your lost wages. Then, they will use this information to calculate the amount of compensation you deserve.

More importantly, an attorney will file a lawsuit on your behalf. Not to mention, they will use their knowledge to anticipate possible defenses. As a matter of fact, they will most likely be familiar with the opposing counsel’s strengths and weaknesses.

Furthermore, you should not talk to or negotiate with the insurance company without an attorney. In all honesty, insurance companies are for profit. And, they do not make money by paying damages. So, they will try to find a way to reduce or eliminate your compensation. An auto accident attorney can keep you from falling for their tricks.

COMUNÍQUESE CON UN ABOGADO DE ACCIDENTES AUTOMOVILÍSTICOS EN TAMPA

En resumen, después de un accidente automovilístico, es posible que no conozca sus derechos. Sobre todo, no luche solo durante el proceso. En realidad, nuestro equipo de lesiones personales está aquí para ayudarle con cualquier necesidad legal que pueda tener relacionada con su accidente.

Por último, que RHINO Lawyers responda a sus preguntas y revise los hechos de su caso con una consulta gratuita. Así que comience completando el “Evaluación de caso instantánea y gratuita”o llamándonos en cualquier momento, día o noche, al 844.329.3491.

ACCIDENTES AUTOMOVILÍSTICOS POR PASARSE LA LUZ ROJA EN FLORIDA

First of all, we all know running a red light is against the law. And, when authorities catch you running a red light they receive a traffic ticket. But, the other side of running a red light is a car accident. Consequently, red light car accidents usually have a catastrophic outcome.

In fact, a report from the AAA Foundation for Traffic Safety, confirms red light accidents are a safety challenge. If someone runs a red light and hits you, RHINO Lawyers puede ayudar.

Red Light Accident Statistics

With national red light crash statistics showing nearly 940 people died in 2017. But, where does Florida fall within these statistics? Well, according to the report 10% of the fatalities occurred in Florida. So, here are some key stats for Florida you should know.

• Florida has the 5th highest death rate in the US from red light accidents.
• 741 people died from a red light accident in Florida from 2008-2017.
• From those that died 268 was the driver, 85 were passengers, 346 were in the other car, and 42 were either a pedestrian or a cyclist

Common Causes of Red Light Accidents

Considering, careless and reckless drivers cause all red light accidents. Still, these drivers exhibit some of the same common actions that lead to running a red light. So, here are some common causes of red light accidents.

• Racing to beat the yellow light or not slowing down for the yellow light.
• Not focusing on the road while driving or distracted driving.
• Driving under the influence of drugs or alcohol.

Preventing A Red Light Accident

Even though we cannot control the actions of other drivers, we can adjust our behaviors while driving. With this in mind, as a driver here are a few tips to help you prevent a running a red light and causing a car accident.

1. Don’t try to beat the yellow light to avoid a red light. Traffic lights are essential safety devices for keeping the roads safe and maintaining traffic flow.
2. Just slow down and drive the speed limit. Because when you drive over the speed limit it makes it difficult to slow down for light changes.
3. When stopped at a light wait a few seconds before moving through the light when it turns green. This will allow you to make sure the intersection is clear.
4. Put your cell phone down and try to avoid any action that takes you attention off the road. When you avoid driving distracted it allows you more time to react to the ever-changing road conditions.

COMUNÍQUESE CON UN ABOGADO DE ACCIDENTES AUTOMOVILÍSTICOS EN TAMPA

En resumen, después de un accidente automovilístico, es posible que no conozca sus derechos. Sobre todo, no luche solo durante el proceso. En realidad, nuestro equipo de lesiones personales está aquí para ayudarle con cualquier necesidad legal que pueda tener relacionada con su accidente.

Por último, que RHINO Lawyers responda a sus preguntas y revise los hechos de su caso con una consulta gratuita. Así que comience completando el “Evaluación de caso instantánea y gratuita”o llamándonos en cualquier momento, día o noche, al 844.329.3491.

CÓMO EVITAR UN ACCIDENTE AUTOMOVILÍSTICO EN FLORIDA

First of all, car accidents cause millions of injuries every year in the United States. In fact, over 250,000 of these injuries come from accidents in Florida. So, safety and avoiding a car accident should be a top priority for every driver. But how do we avoid a car accident?

Well, the best way to avoid a car accident is to know what to watch for. So, we have put together some tips to help you avoid a car crash.

Tips for Avoiding a Car Accident

Granted, every driver should drive responsibly. Unfortunately, this does not always happen. Luckily, knowing some of the basic causes can help you take precautions and avoid an accident. So, here are six tips to help keep you safe and avoid an accident.

• Always Drive Sober – Driving under the influence of drugs or alcohol continues to a factor in auto accidents. Additionally, in 2010 Florida had 17,748 alcohol-related crashes.
• Don’t Drive Distracted – Activities that take your hands off the wheel and eyes off the road put you at risk of an accident.
• Know Your Car – Granted, this seems obvious. But, everyone should know how their car operates. For instance, knowing how to adjust your seatbelt and mirrors are vital for your safety. As well as, knowing how your car handles in different weather conditions will help keep you safe.
• Maintain Your Car – Keeping up with routine maintenance will not only keep your car running but it will help keep you safe. Because brakes and tires are essential to your car’s handling. And, your safety on the road.
• Avoid Driving While Tired – Driving when you’re tired produces effects like the effects of alcohol. Furthermore, the National Sleep Foundation found driving after being awake for 18 straight hours has effects equal to a .05 BAC. Considering, the BAC limit in Florida is .08% or more you want to avoid driving without sleep.
• Don’t Drive Upset or Angry – Stress can turn even the most courteous driver into an aggressive one. Aggressive driving contributes to 5 million car accidents each year. And, these are some aggressive driving habits: rolling stops, speeding through yellow lights, not yielding the right of way, preventing a merge, honking the horn, failing to signal, tailgating, or weaving through traffic. Being mindful of these behaviors will help you drive safer.

Types of Car Accidents

Next, when it comes to car accidents there are many likely causes. And, a variety of different types of accidents that could occur. But, here are four of the most common auto accidents.

• Rear-end Collision – Often the result of following too closely or distracted driving. A rear-end collision is the most common accident.
• Side-Impact Collision – Also called “t-boned” side-impact collisions happen when the front of a car strikes the side of another car. These generally happen when a driver runs a red light or stop sign.
• Head-on Collision – This occurs when the front-end of your car hits an object. As a result, this is one of the deadliest auto accidents.
• Multi-vehicle Collision – These accidents occur when three or more vehicles collide. Like, a head-on collision these accidents are severe or even deadly. This is due to the multiple impacts that happen during the crash.

What to Do After a Car Accident

Finally, you should protect yourself after an auto accident. As a matter of fact, most people don’t know what to do after an accident. Thus, these tips can help anyone involved in an auto accident.

• Stop and Check for Injuries – In all honesty, you should never leave an accident. Because they will charge you with a crime. Instead, check yourself and passengers for injuries. Then, check on the other driver if possible. But, if you have injuries call 911 and don’t move.
• Ponte a salvo – Next, if your car is drivable move it the side of the road out of traffic. Additionally, if you cannot drive the car, put on your hazard signals and you move to the side of the road.
• Llama a la policía – Always call the police when in an auto accident. They will file an accident report. More importantly, you will need this report when you file your claim.
• Intercambiar información – Even though they do not have insurance, you will need their contact and vehicle details. Furthermore, you should get the contact information from any witnesses.
• Documentar los detalles – You will need to write down the other driver’s vehicle information, time and location of the accident, and the officer’s name with a badge number. Also, try to document any details that may help when you file your claim.
• Tomar fotos – Additionally, take pictures of the accident scene. Include photos of the damage to each car, the license plate of the other driver, and traffic signs.
• Report to Insurance Company – As I have said, it is important to report a crash as soon as possible. Besides, reporting the accident keeps you from breaking the terms of your policy. Not to mention, you need to let them know so you can use your MedPay coverage. Because MedPay requires you to submit all medical bills through the insurance company.
• Contact an Auto Accident Attorney – En realidad, es una buena idea consulte con un abogado after an accident. Because an auto accident attorney can use their knowledge of relevant laws to help protect your rights. As well as, handling all the paperwork and filing deadlines. Thus, allowing you to focus on recovering and getting your life back to normal.

COMUNÍQUESE CON UN ABOGADO DE ACCIDENTES AUTOMOVILÍSTICOS EN TAMPA

En resumen, después de un accidente automovilístico, es posible que no conozca sus derechos. Sobre todo, no luche solo durante el proceso. En realidad, nuestro equipo de lesiones personales está aquí para ayudarle con cualquier necesidad legal que pueda tener relacionada con su accidente.

Por último, que RHINO Lawyers responda a sus preguntas y revise los hechos de su caso con una consulta gratuita. Así que comience completando el “Evaluación de caso instantánea y gratuita”o llamándonos en cualquier momento, día o noche, al 844.329.3491.

MITOS SOBRE LAS MULTAS POR EXCESO DE VELOCIDAD QUE FUERON DESMENTIDOS

First of all, speeding tickets are the most common traffic tickets in the US. And, that remains true for tickets issued in and around Tampa and Hillsborough County. So, if you get a speeding ticket you have options. But, due to rumors, urban myths, and misinformation online many people make the wrong choices when handling their ticket. For this reason, here are the top speeding ticket myths debunked.

If the office doesn’t show up in court your ticket is dismissed.

Well, this myth is half true. But, it depends on the state and their rules around officers appearing in court. Actually, some states do not need officers to appear. While other states do require the ticketing officer to appear or the judge will throw out the case. Either way, if you fight your ticket don’t do it alone, make sure you have a traffic ticket attorney by your side.

Errors on your speeding ticket will get your case dropped.

So, the officer made a mistake on your speeding ticket. Does this mean your ticket is not valid? If they made a typo like spelling, wrong number, or another minor error – your ticket is valid. But, if they make a major error like they did not sign the ticket. Or, cited the wrong law could benefit your case if you contest the speeding ticket.

Speeding Tickets don’t follow you from state to state.

Considering, this myth was once true. It is understandable that it still exists among the rumors. But, this stopped when states started participating in the Interstate Driver’s License Compact. The DLC is an agreement between states to share traffic violation information. In other words, they let your home state know about your speeding ticket. So, you can’t escape paying the speeding ticket.

Matching the speed of traffic or passing slower traffic are grounds for dismissal.

To tell the truth, no this is not true. As a matter of fact, once to go over the speed limit you have broken the law. So, it does not matter if the person in front of you is driving slower or you are matching the speed of traffic. When you are behind the wheel you need to follow the posted speed limit.

Officers Have End of the month quotas.

As for quotas, this is a myth I have heard since I was a kid. And, of course, it is not correct. Like, all jobs police officers have performance expectations. Now, their supervisor may use the number of tickets written to gage productivity. But, they do not have a quota to meet each month.

CONTACTE A UN ABOGADO DE MULTAS DE TRÁFICO EN TAMPA

RHINO Lawyers puede ayudar y guiarlo a través de un sistema moldeado por las fuerzas del orden, jueces y abogados durante décadas. Habiendo ganado casos para nuestros clientes en circunstancias similares, nuestro equipo de defensa penal sabe lo que se necesita para luchar en tu nombre.

Permitir RHINO Lawyers responda a sus preguntas y revise los hechos de su caso con una consulta gratuita. Comience completando el “Evaluación de caso instantánea y gratuita”o llamándonos en cualquier momento, día o noche, al 844.329.3491.