Three young ladies who were hit as pedestrians by a drunk driver while crossing Garland Avenue in downtown Orlando over the weekend would probably be well-served by dragging out their automobile insurance policies and starting to study them. According to a story on the WFTV.com website, Alyshia Lemons, Deniece Gilbert, and Dawn Williams were crossing Garland Avenue on their way to a birthday celebration last weekend when Mohammed Kais came speeding down Garland and hit all three of them in the middle of the road. Investigating officers say that Mr. Kais’ blood alcohol level was over twice the legal limit. Ms. Lemons, Ms. Gilbert, and Ms. Williams need to know that they are each probably entitled to assorted insurance benefits from a couple of different sources. First, assuming that they can prove that Mr. Kais was negligent, each of the ladies would have a liability claim against him for damages. They will each have to hope that he carried bodily injury liability coverage on this insurance policy because his having insurance makes it much more likely that they will be able to recover money for their injuries. In addition, because he was drunk, each lady might have a claim for punitive damages against Mr. Kais, although his insurance company will not cover these damages which makes collecting from him much more difficult. In addition, in the short term, each lady would be entitled to Personal Injury Protection benefits (also called “PIP) – either under their own car insurance policies, or from Mr. Kais’ if that particular young lady did not own a car. This PIP coverage will pay 80% of the first $10,000.00 of medical expenses incurred by each lady. Last, If Mr. Kais did not have liability insurance, or enough liability insurance to properly compensate each of the ladies, each of them could also assert an Uninsured/Underinsured Motorist claim under their own automobile insurance policies. This coverage can pay for unpaid medicals and lost wages, as well as pain and suffering and other intangible damages. Alternatively, each of these ladies could elect to speak with an experienced Florida automobile accident attorney, who should be able to help navigate through what can be a very confusing process for the average layperson. If you have any questions regarding a Florida car accident, call Winter Park accident attorneys Kim Cullen and Robert Hemphill at 407-254-4901, or get a FREE copy of their informative book, Asleep At The Wheel – 13 Mistakes the Insurance Company Desperately Hopes You Will Make After Your Florida Car Accident by visiting...Read More »
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