South Florida Personal Injury Lawyers Blog

The Importance of Ensuring all Vehicles Are Covered under a Florida Auto Insurance Policy

Published on: May 7, 2019 | by Friedman Rodman Frank & Estrada, P.A.

While insurance is supposed to provide a motorist with peace of mind after a Florida car accident, in reality, the opposite is often true. Because insurance companies are for-profit corporations, they rely on taking in more money each month in premiums than they pay out in claims. Thus, insurance companies approach each claim with the same goal: expending as little money as possible to resolve the claim.

In some cases, insurance adjusters will offer low-ball settlement agreements knowing the claim is worth much more in hopes of catching an accident victim in a moment of desperation. In other situations, insurance companies will outright deny a claim based on their interpretation of the policy language. For this reason, it is critical that Florida motorists take care to ensure that they understand their insurance coverage and that it meets their needs. A recent opinion issued by a state appellate court illustrates just one type of issue that may arise after a Florida car accident.

According to the court’s written opinion, the plaintiff was killed in a traffic accident when he was struck while riding a moped. The moped was powered by a small 49cc motor, similar to that which would power a scooter. The motorist’s family initially filed a claim with the other driver’s insurance company. However, because that policy only provided $100,000 in benefits, the family then filed a claim with their insurance company under the underinsured motorist (UIM) provision of the policy.

Can a Florida Property Owner Be Liable if Someone Drowns in Their Swimming Pool?

Published on: April 29, 2019 | by Friedman Rodman Frank & Estrada, P.A.

Given the beautiful weather in the Sunshine State, it is no surprise that swimming pools are common across Florida. In fact, it is estimated that there are over 1.1 million swimming pools in Florida. While the majority of property owners include the necessary safety features when putting in a swimming pool. Swimming pools still present a significant hazard, especially to children.

Because swimming pools are so popular, there are a correspondingly high number of Florida personal injury and wrongful death claims based on Florida swimming pool accidents. Realizing that drowning is the leading cause of death among Florida children, lawmakers passed the Residential Swimming Pool Safety Act (RSPSA).

The RSPSA acknowledges that the most effective way to avoid a drowning death is supervision by a responsible adult. Of course, many Florida swimming pool accidents occur without an adult being present. This often occurs when a child is able to make their way to the pool unbeknownst to adults. Thus, the RSPSA requires that all Florida swimming pools contain at least one of the following safety features:

Families of Florida Teens Killed in Car Accident Recover $10 Million Jury Verdict

Published on: April 25, 2019 | by Friedman Rodman Frank & Estrada, P.A.

Earlier this month, a jury returned a substantial verdict in favor of two families, each of which lost a teenage child in a fatal 2018 Florida car accident. According to a recent news report covering both the tragic accident as well as the jury’s recent verdict, the collision occurred in the evening hours when the at-fault driver crashed head-on into the teens’ vehicle.

Evidently, a 99-year-old man was operating an RV that was traveling the wrong way on a divided highway in Fort Pierce. The teens were also traveling on the divided highway, and were unable to avoid a collision with the RV. The two vehicles collided head-on. As it turns out, the RV was being operated without headlights, although it was dark outside at the time of the accident.

Both teens were killed in the accident, and the driver of the RV died a few days later. There was some evidence suggesting that the at-fault driver had previously been determined to be incompetent to drive in Michigan. However, it also appears that the man had also recently taken and passed the Michigan driver’s exam.

The Importance of Establishing a Landowner’s Knowledge of the Hazard in Florida Slip-and-Fall Cases

Published on: April 23, 2019 | by Friedman Rodman Frank & Estrada, P.A.

Like most other personal injury cases, Florida slip-and-fall claims are brought under the theory of negligence. Thus, to succeed in a slip-and-fall case, a plaintiff must be able to establish that the owner or lessee of the property where their fall occurred had knowledge that the hazard existed. A recent state appellate decision illustrates this requirement.

According to the court’s opinion, the plaintiff and her daughter were visiting her daughter’s friend’s home so that the girls could get ready for a school dance. The day before, there was a light snowfall, however, it was undisputed that there was no snow on the ground at the time the plaintiff arrived. As the plaintiff exited her car and approached the front door, she slipped on some ice, but did not get hurt. When the plaintiff got inside, she told her daughter’s friend’s father (the defendant) that the front steps were icy.

As the plaintiff was getting ready to leave, she again told the defendant that the front steps were icy, and the defendant asked them to leave through the garage door. The plaintiff and the girls left through the garage door, and the plaintiff slipped and fell on a patch of ice next to the front driver’s side door of her car. The plaintiff broke her ankle in the fall. She later filed a premises liability case against the defendant.

Can an Employee Hold a Co-Worker Responsible in a Florida Workplace Accident Case?

Published on: April 18, 2019 | by Friedman Rodman Frank & Estrada, P.A.

When someone is injured on the job, they can typically file a claim for compensation based on the injuries they sustained. There are two types of claims, Florida workers’ compensation claims and Florida personal injury claims. A workers’ compensation claim does not require an employee establish another party was at fault for their injuries. However, Florida workers’ compensation claims provide only for the recovery of medical expenses/disability benefits, meaning that an injured employee cannot recover for the pain and suffering the accident caused.

Alternatively, Florida personal injury cases allow accident victims to more fully recover for their injuries, including for non-economic losses. However, a plaintiff must be able to show that the defendant was negligent to recover these losses. In many Florida workplace accidents, the first question that arises is which type of claim should an injured employee pursue. In reality, it is less a question of “should” and more a question of “can.”

One way of thinking about this question is to consider who was at fault for the accident. In short, if an accident is caused by the negligence of the employer or the employee, an employee’s only remedy may be through a Florida workers’ compensation claim. This is because under Florida statutes section 440.11, while a qualifying employer is responsible for an employee’s injuries, a workers’ compensation claim is usually the injured employee’s “sole remedy.” This means that an employee whose injuries are the result of a covered accident may only be able to pursue a workers’ compensation claim. Section 440.11 extends this “sole remedy” provision to situations where an employee’s injuries are caused by a co-worker’s negligence.

Florida Court Rejects Employer’s Termination of Workers’ Comp Benefits after 15 Years

Published on: April 15, 2019 | by Friedman Rodman Frank & Estrada, P.A.

Workers’ compensation cases do not necessarily end when a claimant receives a decision in the case. Employers that originally agreed to pay for treatment may try to stop paying for treatment at some point. In a recent case before a Florida appeals court, the court rejected an employer’s termination of benefits after paying for benefits for 15 years.

According to the court’s opinion, the claimant had worked in a building in Orlando from 1995 to 1997. Employees in the building experienced breathing problems, and after asbestos was discovered, employees were removed from all floors except the claimant’s floor. The claimant was not provided any protective gear and later developed breathing problems. The employer subsequently accepted compensability of the injury under the Workers’ Compensation Act, and accepted liability for the claimant’s illness due to air quality problems.

The employer paid for the claimant’s treatment, until 15 years later when the employer terminated treatment to the claimant. The employer argued that the work accident was no longer a major contributing cause of the need for medical treatment and that the treatment was not medically necessary. A workers’ compensation judge found the treatment was not medically necessary, and the claimant appealed.

Court Discusses “Drug and Alcohol Defense” in Recent Florida Motorcycle Accident Case

Published on: April 12, 2019 | by Friedman Rodman Frank & Estrada, P.A.

Last month, a state appellate court issued an opinion in a Florida motorcycle accident case discussing the “drug and alcohol defense” which, in certain situations, can completely preclude a plaintiff’s ability to recover for their injuries after a serious accident.

Under Florida’ comparative fault system, even a plaintiff who is partially at fault can recover for their injuries. In these situations, the court would first determine the appropriate amount of damages the plaintiff sustained as a result of the accident and then reduce the actual damages award by the plaintiff’s own percentage of fault.

The drug and alcohol defense is an exception to this general rule. Under Florida Statutes section 768.36, a plaintiff cannot recover for their injuries if the defendant can establish that the plaintiff was 1.) “under the influence of any alcoholic beverage or drug to the extent that the plaintiff’s normal faculties were impaired,” or that the plaintiff’s blood-alcohol content was .08 or greater, and 2.) “as a result of the influence of such alcoholic beverage or drug the plaintiff was more than 50 percent at fault for his or her own harm.”

Florida Court Rejects Injured Employee’s Workers’ Compensation Claim for Temporary Partial Disability

Published on: April 11, 2019 | by Friedman Rodman Frank & Estrada, P.A.

When someone is injured in a Florida workplace accident and cannot immediately return to work, they may be entitled to Florida workers’ compensation benefits while they are recovering from their injuries. There are two types of temporary workers’ compensation benefits: temporary partial disability (TPD) benefits and temporary total disability (TTD) benefits.

Temporary partial disability benefits, also known as “wage loss” benefits are awarded when an injured employee can return to work in some capacity, but is not able to earn as much as they did before their injury. This may be because they can only work part-time or because the position they were reassigned to pays less than their pre-injury position.

Earlier this month, a state appellate court issued a written opinion in a Florida workers’ compensation case discussing an injured worker’s claim for temporary partial disability (TPD) benefits. Ultimately, the court concluded that the employee failed to establish that her post-injury wages were sufficiently reduced as a result of her injury, and thus the court rejected her claim for TPD benefits.

Loss of Consortium Damages in Florida Personal Injury Lawsuits

Published on: April 3, 2019 | by Friedman Rodman Frank & Estrada, P.A.

When someone is injured due to another’s negligent actions, they can pursue a claim for compensation through a Florida personal injury lawsuit. Depending on the type of accident, the extent of the plaintiff’s injuries, and the defendant’s conduct that gave rise to plaintiff’s injuries, there are various types of damages that an injury victim may recover. These include compensation for past and future medical expenses, lost wages, as well as for non-economic damages such as pain and suffering.

Many Florida personal injury accidents, however, affect more than just the accident victim. Indeed, in many accidents, a victim’s injuries can impact their marriage. Thus, the spouse of an injury victim may be able to pursue a claim against the defendant. This is referred to as a claim for the spouse’s loss of consortium.

In Florida, courts consider loss of consortium damages to include company, cooperation, and aid of the other. This consists of the sexual relationship, affection, solace, comfort, companionship, fellowship, society, and assistance that a spouse provides. While a loss of consortium claim will not result in a double recovery for any amount that the injury victim receives, a successful claim may compensate a spouse for the injured spouse’s inability to perform work they would normally do around the home, such as raise children.

Florida Court Considers Notice Requirement in Bad-Faith Claim against Insurance Company

Published on: March 28, 2019 | by Friedman Rodman Frank & Estrada, P.A.

Earlier this month, a state appellate court issued a written opinion in a Florida car accident case discussing whether the plaintiff’s claim that her insurance company acted in bad faith should be permitted to proceed towards trial. Ultimately, the court held that although the insurance company eventually made payment under the plaintiff’s policy, the payment was too late. Thus, the court permitted the plaintiff’s case to proceed.

Bad-Faith Claims Against Insurance Companies

Under Florida law, insurance companies must provide timely payment to policyholders. If an insurance company does not make payment on an insured’s claim, the insured can pursue a bad-faith claim against the insurer. However, before this type of claim can be pursued, the insured must file a civil remedy notice (CRN), giving the insurance company 60 days to respond and cure the bad faith.

The Facts

In its opinion, the court explained that the plaintiff and another driver was involved in a Florida car accident in the summer of 2013. For the purposes of this opinion, it was agreed that the plaintiff was not at fault. Both the plaintiff and the at-fault driver were insured by the same insurance company. Because the plaintiff’s injuries were serious and exceeded the coverage limits of the at-fault driver’s policy, the plaintiff filed a claim under the at-fault driver’s policy as well as her own underinsured motorist (UIM) policy.