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Posts made in January, 2015

Bar Patron Injured In Tampa Car Crash Versus Building Might Be Entitled To More Benefits Than He Realizes

Posted by on Jan 28, 2015 in Motor vehicle accidents

Bar Patron Injured In Tampa Car Crash Versus Building Might Be Entitled To More Benefits Than He Realizes

An unsuspecting Tampa bar patron may be entitled to PIP benefits, bodily injury liability benefits, and even punitive damages after he was injured in an odd accident this week in a Tampa bar.   The OrlandoSentinel.com website reported about the Tampa drunk driving accident.   Apparently a woman named Sully Marie Torre–Medina lost control of her car Tuesday night, causing it to crash into the patio area of the Independent bar in Tampa.  A 34-year-old gentleman named Wesley Kincaid was apparently sitting in the bar’s patio area, was injured in a crushing injury as a result of the crash, and had to be taken to the hospital.   Mr. Kincaid may not realize it, but because he was involved in an accident arising out of the use of a motor vehicle, he may immediately be entitled to insurance benefits to pay his hospital and medical bills.  If Mr. Kincaid owns a car, he would be entitled to Personal Injury Protection (PIP) benefits under his own automobile insurance coverage.  If he doesn’t own a car, he would be entitled to PIP from Ms. Torre-Medina’s car insurance company.  (Download your FREE copy of our Florida PIP guide, by clicking here.)   Additionally, if Ms. Torre-Medina carried bodily injury coverage on her car (which is optional in Florida – but shouldn’t be), he can make a personal injury claim against her.  Because Ms. Torre-Medina has been accused of DUI, and found to be in possession of drugs and drug paraphernalia, Mr. Kincaid may also have a punitive damages claim against her.   We obviously hope that Mr. Kincaid will make a speedy recovery from his injuries.  He seems to have just been at the wrong place at the wrong time.  Nevertheless, we thought his situation was important as an illustration of all the different benefits that might be available in a Florida car accident involving a pedestrian or anyone else who is not inside a vehicle at the time of a crash.   If you have any questions following a Florida car accident of any kind, or about Florida car insurance and how it works, please call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill at 407–254–4901, or visit our website.  You can also download a FREE copy of our popular Florida accident guide by clicking...

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Huge Palm Coast Crash, Multiple Kids Injured. Who Will Pay For Damages?

Posted by on Jan 16, 2015 in Motor vehicle accidents

Huge Palm Coast Crash, Multiple Kids Injured.  Who Will Pay For Damages?

Approximately twenty-five people were injured in a major T-bone collision that occurred on Whiteview Parkway at Ravenwood Drive in Palm Coast.  According to the clickorlando.com website, a Flagler County school bus carrying 42 students was headed to Buddy Taylor Middle School when a Mazda automobile suddenly showed up directly in front of the bus.  Apparently, the Mazda has been sitting at a stop sign when it was rear-ended by a Subaru at a high rate of speed.  The force of the impact was enough to propel the Mazda across the intersection and directly into the path of the bus. The impact was significant.  The bus driver was reported to initially be trapped in bus.  Several people, including some students and the drivers of both automobiles were taken by ambulance to the hospital.  The remainder of the injured were transported by another school bus to the hospital.  Most of the students were treated and released, however several students, and all three adults remained in the hospital through the following day – at least one in critical condition. It seems clear that the majority, if not all, of the fault for this accident lies with the driver of the Subaru who forced the Mazda into the intersection.  However, based upon the number of victims involved — somewhere in the neighborhood of 20 — and that nature of some of the reported injuries, it is unlikely that the driver of the Subaru will have adequate liability insurance to properly respond to all of the claims for damages that may be presented as the result of this negligence.  Unless the owner of the Subaru is independently wealthy, or just won the lottery, it is unlikely that anyone injured in this crash would benefit from pursuing the driver of the Subaru personally. This unfortunate incident is a perfect example of why everyone who drives or owns a vehicle in Florida should carry as much Uninsured/Underinsured Motorist coverage as part of their automobile insurance package.  In this Palm Coast accident, each of the children who were injured in this crash, and lived with a relative who carried Uninsured/Underinsured Motorist coverage, would have access to UM benefits if their injuries are considered permanent.  Without Uninsured/Underinsured Motorist coverage it is unlikely that any of the children will receive any kind of fair compensation for their injuries. Uninsured/Underinsured Motorist coverage is designed to be a substitute for the liability coverage that the negligent driver should have carried. Of course, it is our hope that all 25 people injured in the crash make speedy recoveries, and never need to access UM coverage.  However, it is great to have it just-in-case. If you have any questions regarding a Florida car accident, or how Florida Uninsured/Underinsured Motorist coverage works, please call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill at 407-254-4901.  Consultations are always...

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Report: Google Car Insurance Agency on it’s way : Expect Personalized Service?

Posted by on Jan 15, 2015 in Motor vehicle accidents, Uncategorized

Report:  Google Car Insurance Agency on it’s way : Expect Personalized Service?

The New York Times is reporting that Google is inching closer toward opening its own automobile insurance agency.  In my opinion, another behemoth corporation like Google getting into the automobile insurance agency business really represents no improvement in terms of the lives of Florida consumers. Apparently, A Google car insurance agency is on the way. The company’s intent is to create a comparison/search website that will allow consumers to enter information about themselves, their vehicles, and their driving history and behaviors, and then received pricing or quotes from multiple insurance carriers.  As many people know, several insurance companies have their own websites set up to deliver quotes, but Google’s would presumably feature quotes from several companies.  Apparently, several Google employees have already received their insurance agent licenses in California and other states.  No word yet on whether Google has any agents in Florida, but Google is said to be focused at this point on the most populated states. The problem, as I see it, is that, while Google may have insurance agents working behind the scenes on the website, it doesn’t seem like these agents will be providing any kind of professional insurance advice to consumers.  For example, is Google going to have an employee standing by to answer consumer questions regarding the types of coverage that are available and what exactly is covered?  If you have ever tried to contact anyone at customer service at Google, you will understand that it is highly unlikely that an insurance consumer would ever be able to actually speak to a human being within the Google framework. As a Florida personal injury attorney who deals with automobile insurance matters on a daily basis, I am constantly struck by how little most Floridians understand about automobile insurance.  I am also constantly amazed at how under-insured most Floridians are in the event that some kind of unforeseen and devastating accident happens.  I have to wonder what kind of advice — if any — most Floridians are receiving from their insurance agents about available coverages, or what kind of coverage limits to buy.  I cannot imagine how the entry of Google into Florida’s insurance marketplace could possibly help consumers in this area.  Of course, I hope I turn out to be wrong. We regularly help Florida consumers you have questions regarding automobile insurance, and we generally do so at no charge. If you have any questions regarding Florida automobile insurance, call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill 407-254-4901.  Don’t forget to ask them for a copy of their FREE Florida automobile insurance buyers’...

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