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Posts Tagged "medical bills"

Was Driver Who Crashed Into Winter Park Construction Workers Drunk, Distracted, or Both?

Posted by on Sep 10, 2014 in Motor vehicle accidents

Was Driver Who Crashed Into Winter Park Construction Workers Drunk, Distracted, or Both?

Two road construction workers were injured in our own backyard here in Winter Park last week, when a driver drove through a construction zone and pinned them against a tractor.  The driver apparently didn’t even know it had happened: A later report indicates that the driver, Arnold Kleine, has been charged with D.U.I. (driving under the influence of alcohol.) Alcohol may not have been Mr. Kleine’s only driving issue, however. Remarkably, he admitted to local news reporters that he was looking down at this phone when he drove into the construction area. As a Florida car accident lawyer, there are a bunch of interesting legal issues here. First, Mr. Kleine could face punitive damages claims from each construction worker if his intoxication contributed to the crash. Second, both of these workers will likely be covered by Workers’ Compensation insurance from their employers for their initial medical expenses since they appear to have been on-the-job at the time that they were injured. However, receipt of these Workers’ Compensation benefits does not foreclose the workers from pursuing claims against the negligent driver. If they do recover any money from the negligent driver, they will have to pay back their Worker’s Compensation carrier for any benefits paid on their behalf. If you have any questions regarding a Florida distracted driving accident, or an accident involving a drunk driver, or you are an injured worker who has been injured by the negligence of a third-party who not related to your company, please call Winter Park personal injury attorneys Kim Cullen or Robert Hemphill at...

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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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Is HumanaOne Playing Games With Florida Health Insurance Coverage?

Posted by on Sep 16, 2013 in Uncategorized

Is HumanaOne Playing Games With Florida Health Insurance Coverage?

We recently heard from a Florida insurance consumer who had become quite frustrated with his health insurance company, HumanaOne.  I thought it might be useful to share this person’s story, so that maybe other Floridians won’t get tricked by HumanaOne — or any other health insurance company — in the same way that this gentleman apparently has. The story of this gentleman — we’ll call him “Bob” — started out innocently enough.  Bob recently relocated to Central Florida, and contacted an insurance broker he found from a website to assist him in securing some health insurance.  Based upon Bob’s needs, the broker suggested HumanaOne, a subsidiary of Humana Health Insurance of Florida.  Humana requested some additional information from Bob, and Bob provided it. A few days latter, Bob received a Medical Proof of Coverage form from HumanaOne indicating that effective date of coverage was May 1, 2013.  He also received letter from HumanaOne indicating that his coverage was going to start on May 1, 2013, and that he would have his monthly premium payment automatically drafted from his bank account on May 1, 2013. Bob then did what most people would do – he started making appointments to see doctors after May 1, 2013.  Bob saw several doctors in the first week or so of May 2013, and presented his HumanaOne insurance information to each doctor’s office.  Bob thought everything was fine until he started getting notices from his doctors that HumanaOne was refusing to pay their bills. What Bob did not know — and what nobody at HumanaOne or his insurance agent’s office told him — was that the fine print of Bob’s HumanaOne policy says that only bodily injury-related medical bills would be paid starting on May 1, 2013.   What nobody told Bob was that illness or sickness-related bills would not be covered until May 16, 2013. As a result of not knowing or being told this, not only is HumanaOne not paying Bob’s bills, but HumanaOne is also considering all diagnoses made between May, 2013, and May 16, 2013, as pre-existing conditions.  This means HumanaOne may not have to pay for any bills related to those conditions for another year. As an Orlando accident attorney, I believe HumanaOne is being incredibly unfair to Bob.  I also think there is an argument that Bob was induced to purchase this coverage from HumanaOne under false pretenses or as the result of fraud.  Florida has strong laws against unfair and deceptive trade practices that very well may apply to this situation with HumanaOne. What do you think?  Does this situation sound right to you?  If you are facing a similar situation with HumanaOne, or any other health insurance company for that matter, contact Winter Park personal injury lawyers Kim Cullen and Robert Hemphill at...

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