South Florida Personal Injury Lawyers Blog

Florida on Track to Repeal No-Fault Insurance System

Published on: March 11, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Currently, Florida follows the no-fault insurance system, requiring motorists to maintain personal injury protection (PIP) insurance coverage. However, Florida lawmakers proposed Senate Bill 54, which would eliminate the state’s no-fault insurance requirement. The current system allows a claimant’s insurance company to pay the insured’s bills, regardless of their fault. Critics of the no-fault system argue that the current framework evokes many fraudulent claims and the coverage limit is insufficient. On the other hand, critics of the change contend that the new system may leave injury victims in a precarious financial position, as insurance companies will not automatically pay out claims.

The new law would require motorists to carry bodily injury liability coverage, which would allow insurance companies to pay up to $25,000 for collision-related injuries or death or up to $50,000 for crashes involving two or more individuals. The new system would retain the current $10,000 financial responsibility requirement for property damage. However, it modifies the coverage limits for commercial motor vehicle coverage and garage liability. A critical change that may impact injury victims is that the repeal will eliminate the pain and suffering damage limitations.

In many cases, Florida accident victims need to seek compensation outside of the no-fault insurance system because their damages exceed policy limits. The change will have a more considerable impact on bad faith claims against Florida insurance companies. The new framework will include best practices standards for insurance companies to settle disputes. However, the bill also includes the condition precedents an insured must meet before asserting a claim.

Florida Insurance Companies Have an Obligation to Act in Good Faith

Published on: March 8, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Many people purchase insurance to protect against economic losses stemming from personal injury or property damage. In exchange for premiums, the insurance company must uphold its duties to the policyholder. The duties include providing coverage, paying valid claims, and adhering to the policy’s terms. Policyholders who believe their insurance company is violating their agreement may file a Florida bad faith claim against their insurer.

Insurance bad faith claims fall under first-party and third-party claims. Third-party bad faith insurance claims typically involve liability insurance. Bad faith claims occur when an insurer breached their duty to defend their policyholder and pay costs. Common examples of third-party insurance include, liability insurance, malpractice insurance, and commercial liability insurance. First-party insurance is a claim against a policyholder’s insurance company. Bad faith claims arise when a policyholder’s insurance company fails to pay a claim without an appropriate investigation or basis for a denial. This often includes claims against a health or homeowner’s insurance provider, but also in claims involving an accident with an uninsured or underinsured driver.

Under Florida law, a policyholder may file a first-party bad faith claim against their insurance provider. A lawsuit is appropriate if the insurer failed to engage in good faith by acting fairly and honestly towards its policyholder. For example, an appellate court recently issued an opinion in a homeowner’s appeal of a judgment in favor of their insurance company. In that case, a water supply line burst in the homeowners’ home. Following the burst, the homeowners’ filed a claim under their insurance policy. Their insurance company investigated the claim and tendered a payment the homeowners thought was insufficient. In response, the owners filed a civil remedy notice (CRN) alleging bad faith violations. They also asserted an amount that could cure the violations. The insurance company acknowledged the CRN, and the matter proceeded to appraisal. Following the appraisal, the company paid an amount less than the homeowners’ requested.

What Is a Florida Underride Truck Accident?

Published on: March 4, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Federal and state laws mandate that car and SUV manufacturers equip their vehicles with safety features to prevent serious injuries. However, despite the heightened dangers of large commercial trucks, many of these vehicles do not have the same safety features. Further, the safety standards do not always address the scope of the vehicle’s dangers. As such, Florida accidents involving large trucks often result in serious and fatal injuries.

For example, a recent Florida news report described a disturbing underride accident involving a minivan and tractor-trailer. The accident occurred when the semi-truck was turning onto a roadway near State Road 520. The minivan was turning at the same time and went underneath the truck. Emergency personnel immediately removed two of the minivan occupants and transported them to a hospital. The minivan driver required assistance from firefighters to extricate her from her vehicle. State Police reported that the accident is still under investigation.

Many Florida trucking collisions involve underride accidents. An underride accident occurs when a smaller vehicle slams into the side or backend of a truck’s trailer and slides underneath. The shape and design of the back of a truck often cause a smaller vehicle to become trapped underneath. The sheer impact of these accidents may result in the top of the car ripping off or becoming crushed. As a result, the car’s occupants often suffer the brunt of the initial impact. Underride accident victims rarely leave the accident unscathed. These accidents typically result in traumatic brain injuries, spinal cord injuries, internal organ damage, sprained and broken bones, paralysis, and disfigurement.

Damages from a Florida Personal Injury Lawsuit May Close the Gap in Medical Coverage for Accident Victims

Published on: February 26, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Florida leads the country in one of the highest rates of serious car accidents. Recent reports by the Insurance Institute of Highway Safety (IIHS) indicated nearly 400,000 Florida motor vehicle accidents occurred in one year. In addition to about 3,000 fatal injuries, over 40% of the accidents resulted in non-deadly severe injuries. These injuries and fatalities often leave the victim and their families with high medical costs. The financial repercussions of these accidents can present lifelong burdens for victims. Car accident victims can recover compensation from different avenues.

Under Florida’s no-fault insurance rules, all insured drivers may recover damages for medical bills regardless of fault. The law requires motorists to obtain at least 10,000 in Personal Injury Protection (PIP) coverage. PIP is intended to compensate injury victims for their medical expenses after an accident. However, this coverage typically only covers 80% of a victim’s medical costs. Further, injury victims must meet the strictest rules regarding medical treatment. Victims must receive treatment from a qualified medical professional within 14 days of the collision. If a victim’s injuries or medical conditions do not meet a qualifying condition, the insured may not be able to draw the entire amount of coverage.

In situations where a victim does not maintain PIP coverage or exhausts the limits, they must make a claim through their private insurer. However, patients must still pay their co-pays and deductibles. These amounts may be high in many cases, especially if the victim requires significant inpatient or recurring outpatient treatment.

Florida Weather-Related Car and Truck Accidents

Published on: February 24, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Motorists in Florida rarely encounter winter-weather driving conditions; however, the current weather episodes throughout the southern United States highlight the importance of being prepared for all driving conditions. Florida leads the nation with one of the highest rates of car accidents in the country. These accidents can result in serious and fatal injuries to drivers, passengers, and bystanders. Drivers should take steps to understand how weather can affect road and driving conditions.

Ice storms and accumulation presents drivers with some of the worst driving conditions. Icy roads tend to occur after snow accumulation or freezing rain. The snow that is not cleared can melt and refreeze, resulting in patches of black ice. Motorists approaching ice or potential black ice should refrain from slamming on their brakes. Instead, if a driver finds themselves skidding or sliding on ice, they should steer in the same direction as their front tires. After regaining control, the driver can slowly steer the car in the direction they want to go in. Quickly jerking the steering wheel can cause the vehicle to spin and veer off the road.

Snow and slush can also cause drivers to experience dangerous road conditions. The dangers are heightened when city officials have not cleared and treated the road. Many southern states, including Florida, are not equipped with proper snow removal equipment. The lack of prompt removal can cause the snow to become heavy and wet, causing drivers to experience additional hazards.

Court Permits Inquiry into Relationship Between Expert Witness and Attorney in Florida Car Accident Case

Published on: February 19, 2021 | by Friedman Rodman Frank & Estrada, P.A.

A district court of appeal recently issued an opinion in a Florida car accident lawsuit against a driver and his employer. The case stems from injuries the plaintiff suffered when the defendant rear-ended him at a red light. The plaintiff filed a negligence lawsuit against the driver and a vicarious liability claim against the driver’s employer. The trial court bifurcated the defendant’s trials and declined to exclude evidence of the employee’s intoxication during the compensatory damages phase. As such, the plaintiff’s attorney addressed the employee’s intoxication during his opening and closing statements. Further, during the trial, the plaintiff presented several medical experts.

At issue is the plaintiff’s attorney’s friendship with one of the medical experts he presented. On appeal, the defendants allege that the trial court erred in allowing the employee’s intoxication and the court’s limitation on their cross-examination of the relationship between the medical expert and attorney. The court ordered a new trial based on the trial court’s error in allowing evidence of the defendant’s intoxication. They found that the inquiry was substantially prejudicial and lacked relevancy. As such, they addressed the trial court’s decision to limit the defense’s examination of the plaintiff’s experts.

The trial court did not permit the presentation of some of the plaintiff’s expert witnesses because of an untimely designation issue. However, the issue occurred because the plaintiff waited until the day before the trial to make the expert’s initial designations. The appeals court reasoned that this action placed the defendant at a disadvantage because they could not present certain parts of the deposition. Further, the court found that in situations where attorneys elect to use their personal friends as experts, they should expect inquiries into their relationship. Therefore, the court should permit the defense to question the relationship and address any issues of bias.

Vicarious Liability Between Doctors and Hospitals in Florida Medical Malpractice Lawsuits

Published on: February 17, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Recently, a medical malpractice plaintiff appealed a trial court’s order granting summary judgment in favor of a hospital system. The case arose when the plaintiff visited a Florida hospital for appendicitis and an abscess. An on-call surgeon met with the plaintiff; however, the plaintiff felt uneasy with the surgeon and requested another doctor. The next doctor was not available until the next morning, so the plaintiff proceeded with the surgeon. The plaintiff requested antibiotics after the surgery, but the surgeon explained that they were unnecessary. However, the plaintiff suffered a serious postoperative infection. He filed a lawsuit against the doctor and the hospital. The hospital argued that the doctor was an independent contractor, and not an employee or agent of the hospital.

Under Florida’s vicarious liability laws, an employer may be liable for the negligence of the employees committed within their employment scope. In cases involving hospitals and independent contractor physicians, a hospital may still be liable if the hospital “cloaked her with apparent authority to act on its behalf.” Apparent agency exists if the plaintiff can establish three elements.

The three elements of an apparent agency inquiry are:

Unique Issues Arising After a Florida Train Accident

Published on: February 12, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Trains provide commuters and leisure travelers with an efficient and convenient way to travel to their destinations. However, traveling on railroads or through train tracks can present significant dangers to passengers and road users. Those who suffer injuries in a Florida train accident, should contact an experienced attorney to parse out the complex issues that these cases present.

Railroads pose serious public safety issues, which can lead to severe injuries or death. There are many reasons that railroad accidents occur, and many involve systemic negligence or operator error. Despite the prevalence of safety issues, many large train companies have implemented barriers to recovery. For instance, Amtrak, imposes mandatory arbitration agreements on ticket holders who claim negligence against the company. The unique structure of many train companies makes recovery difficult.

There are many reasons that a train accident may occur. The most common causes of Florida train accidents are operator error, distraction, track defects, train malfunctions, defective equipment, and rail-crossing errors. However, in some instances, the exact cause of the accident may be confounding. For example, a recent news report described a fatal Florida train accident. Deputies reported that an Amtrak train hit a truck in Plant City, Florida. The train crew told investigators that when they noticed the truck, they blew the train’s horn several times to indicate that the train could not slow down. However, the truck did not clear the railway in time. The truck driver was pronounced dead at the scene of the collision.

Special Report Reveals Higher Numbers of Fatal Florida Accidents Despite Lower Traffic

Published on: February 10, 2021 | by Friedman Rodman Frank & Estrada, P.A.

The National Highway Traffic Safety Administration (NHTSA), recently provided an update on traffic safety during the national health crisis. The research team collected data from five locations, including Jacksonville, Florida, and Miami, Florida. The findings reported first-quarter data regarding Florida motor vehicle fatality rates. The data found that car accident fatality rates increased, even though the overall number of traffic accidents decreased during the past several years. Additionally, statistics showed an increased prevalence of drug and alcohol use among those who suffered serious or fatal injuries in accidents.

During the beginning of the COVID-19 public health emergency, driving patterns changed drastically, as many people lost their jobs or began working from home. The figures demonstrated that those who remained on the road during the crisis were engaged in riskier behavior. Some of the behavior included speeding, failure to wear seat belts, and driving while impaired. Compared to the previous six months, the proportion of those who tested positive for opioids or marijuana significantly increased during this time.

The NHTSA stressed the importance of seat belt use, as seat belts are one of the most critical safety features in vehicles. Ejection data shows that seat-belted occupants are far less likely to be thrown from a vehicle. The study indicated a decrease in seat belt use during the first period of the public health crisis. Although seat belt use increased slightly later on during the crisis, the overall number was below the level before the emergency.

Liability After Florida Truck Accident Caused by Improperly Loaded Cargo

Published on: February 5, 2021 | by Friedman Rodman Frank & Estrada, P.A.

Personal injury lawsuits, especially those involving trucks, often entail various complex issues and multiple parties. Those injured in a Florida trucking accident, should seek representation from an attorney to protect their rights and help pursue their remedies.

Trucking accidents tend to result in the most severe injuries and significant damages. Although some accidents are unavoidable, most Florida trucking accidents are due to one or more parties’ negligence or recklessness.

Truck manufacturers, trucking companies, loaders, and drivers, all maintain a duty to ensure that they act safely in the manufacture, training, securing, loading, and operation of their vehicles. A failure at any of these steps may result in serious dangers to anyone in the vicinity of the truck. People often attribute accidents to a defect in the truck itself or truck driver operation error; however, many Florida trucking accidents occur because of insecure cargo that becomes detached while the truck is in motion.