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Posts Tagged "lost wages"

Umbrella Coverage Could Save You From Having A Really Bad Day

Posted by on Mar 12, 2014 in Motor vehicle accidents, Uncategorized

Umbrella Coverage Could Save You From Having A Really Bad Day

Is an umbrella insurance policy right for you? Being in a personal injury law practice, we are often asked questions by consumers regarding insurance issues. One of the questions that we are sometimes asked is whether umbrella insurance coverage is a good idea. Many people have heard about umbrella policies but don’t know exactly what they are.  Umbrella coverage is essentially an extra layer of insurance protection that provides excess coverage over-and-above general liability coverage for homeowners policies, and bodily injury liability insurance under an automobile insurance policies.  It is typically sold in increments of $500,000.00 or $1,000,000.00. Umbrella coverage is not for everybody.  First, an insurance customer generally must already have very large liability policy limits before he or she can qualify for umbrella coverage.  Umbrella coverage is essentially designed for people with significant assets that would be placed at risk in the event of an accident or negligent act or omission. For example, if an insured person was at fault for an accident and suffered $250,000.00 in medical bills, lost wages, and pain and suffering damages but only had automobile liability coverage limits of 100,000.00, the at-fault driver could still be held liable for the additional $150,000.00 in damages.  This would typically come from personal assets such as bank accounts, savings accounts, investments, or property. If that same person had an umbrella policy with limits of $1 million, then the $150,000.00 in damages that were not covered under the automobile liability policy would be covered by the umbrella. Umbrella policies are typically not all that expensive, and definitely do provide additional piece-of-mind in the event of a serious accident (i.e. a really bad day.)  Most accidents obviously do not generate hundreds of thousands or even millions of dollars in damages, but when they do they can be absolutely devastating to the person (and/or family of the person) who caused cause the accident. If you have any questions regarding umbrella insurance coverage, and whether or not it might be a good thing for you, we are always happy to answer them.  All you have to do is call Winter Park attorneys Kim Cullen and Robert Hemphill at 407-254-4901.  Consultations are always...

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Tragic Florida Wrongful Death Crash Highlights Difficulty In Computing Future Wage Loss

Posted by on Feb 17, 2014 in Motorcycle Accidents, Types of Accidents, Uncategorized, Wrongful Death Claims

Tragic Florida Wrongful Death Crash Highlights Difficulty In Computing Future Wage Loss

I was so saddened to read in the Orlando Sentinel about a devastating head-on crash that occurred on Interstate 275 in Tampa last weekend. Apparently the driver of a white Ford SUV was traveling at an extremely high rate of speed in the wrong direction on I-275 near the Busch Boulevard exit, which is in the vicinity of the University of South Florida.  Traveling in the correct direction on the highway was a 2010 Hyundai which contained four students from USF, including the driver, Freedom High School graduate and Orlando native, Jobin Kuriakose. The students were all members of the Sigma Beta Rho fraternity at USF, where Mr. Kuriakose was apparently referred to as “Brother Ambition.” My first thought after reading about this crash is, obviously, how tragic this is.  I am the parent of a high school senior who is about to go away to college, and the thought of losing him at such a young age, before his life has really begun, is horrifying. Professionally, as an Orlando accident attorney, a case like this one reminds me how difficult the issue of future wage loss often is in serious personal injury and wrongful death cases. For example, under the Florida Wrongful Death Act, Mr. Kuriakose’s surviving family members would be entitled to recover the lost net accumulations and/or loss of support and services that Mr. Kuriakose would have likely generated in the future. The difficulty arises in trying to determine this loss when someone Mr. Kuriakose’s age perishes in an accident. After all, he is a college student, and likely has little earnings history. Therefore, expert testimony is often required to analyze and attempt to predict what the decedent would have earned if not prematurely killed. Insurance companies often hire expert to say that this is merely speculative.  Oftentimes, this issue is left for a jury to decide, which is inherently unpredictable. Plainly, this issue is very difficult for families. If you should have any questions regarding a Florida Wrongful Death case, or the issue of future lost wages as they pertain to a personal injury or wrongful death case, please call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill at 407-254-4901. Consultations are always...

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Grizzly Hiawassee Accident Reminds Us How Critical Uninsured Motorist Coverage Is | Orlando Accident Attorney

Posted by on Sep 23, 2013 in Uncategorized

Grizzly Hiawassee Accident Reminds Us How Critical Uninsured Motorist Coverage Is | Orlando Accident Attorney

When I saw this video from Orlando’s Fox 35 News, I knew I needed to share it on this blog. FOX 35 News Orlando There is no doubt that when the driver of the green 2001 Ford turned on to Hiawassee Road and began heading north, the driver had no idea that there would be stolen car careening southbound on Hiawassee Road, barely under control.  The head-on collision that happened next, at the corner of Hiawassee Road and Clarcona-Ocoee Road, will likely change the Ford driver’s life forever. The damage to the cars depicted in the video is obvious.  The driver of the Ford was airlifted to Orlando Health Hospital with very serious injuries. The driver who caused the accident in the stolen Buick — is a teenager.  Because the vehicle was stolen, it is almost a certainty that there will be no liability insurance that will apply to this accident in order to satisfy the Ford driver’s damages — which will undoubtedly include thousands and thousands of dollars in medical expenses. As an Orlando accident attorney, this case highlights to me the importance of carrying Uninsured Motorist benefits as part of an auto insurance package.  If the driver of the Ford carried Uninsured Motorist coverage, that coverage will “step into the shoes” of the teenage who caused this wreck, and will provide benefits to the injured Ford driver for medical expenses, lost wages, and pain and suffering. Without Uninsured Motorist coverage, the driver of the Ford will likely recover nothing.  This is why we constantly urge people to make sure they buy Uninsured Motorist coverage, and buy as much as they can afford.  In today’s world, you just never know when an irresponsible person is going to do something to put you at risk. If you have any questions about Florida Uninsured Motorist coverage, or whether you have a legitimate Uninsured Motorist claim, call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill.  Consultations are always 100% free-of-charge.  Or, order a FREE copy of Kim’s book, Asleep At The Wheel:  13 Mistakes the Insurance Company Desperately Hopes You’ll Make After Your Florida Car Accident by clicking here....

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