What is liability insurance?

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Q: What is liability insurance? A: Liability insurance is insurance that covers you in the event you’re in a car accident and you, in fact, are at fault. It prevents the injured party from going after your personal assets or your house or your salary, things like that. If you have car insurance and you have liability insurance, see if you can get the most insurance limits that you can reasonably afford. Nobody wants to be insurance-poor, but the minimum insurance in Florida for liability Read More +

Should I cancel my phone number after winning the Florida Lottery?

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Q: Should I cancel my phone number after winning the Florida Lottery? A: Depending on how much you’ve won. If you won a more modest amount, the press release will attract some media attention, but for those who win a larger amount, yes, it is very easy to cancel your cellphone number, home number if you have it, and just get a new number later in time. It is of utmost importance that you really preserve your privacy and your security.

How long does it take to settle a Florida auto accident case?

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Q: How long does it take to settle a Florida auto accident case? Well, the AMA guides to the evaluation of permanent impairment says that you basically need to treat for about six months or longer. Right off the bat we’re looking at about six months until a doctor can determine if you’ve got a permanent injury. If your case settles without filing suit, typically within the six to nine month range your case can be resolved. However, if a litigation has to be filed, Read More +

If I miss work as a result of a Florida car accident, can my lost wages be recovered?

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Q: If I miss work as a result of a Florida car accident, can my lost wages be recovered? Yes, car insurance that you own or that you have does allow for 60% of your provable wages. If you’re employed, your car insurance company will look at the average of your last 13 weeks salary. However, if you’re self employed, the answer is more complicated. Your car insurance company will pay for 60% of your lost wages based on income tax returns from previous years. For Read More +

Do I need a lawyer if I won the Florida Lottery?

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Q: Do I need a lawyer if I won the Florida Lottery? A: Hiring an attorney if you win the lottery is not a requirement. For those who are handling larger amounts of money, you may not need an attorney, but it’d always be a good idea in that case to consult with a wealth care manager or an investment advisor. For those who’ve won a large amount of money, consulting with an attorney and hiring an attorney is almost essential. He or she can Read More +

Do I have to talk to the other party’s insurance adjuster if I was injured in a Florida slip and fall?

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Q: Do I have to talk to the other party’s insurance adjuster if I was injured in a Florida slip and fall? A: You do not need to speak to the insurance adjuster for the at-fault party for your slip and fall. It is always advisable to talk to an attorney who may or may not allow you to talk to the other insurance company, but it is never a good idea to talk to the insurance company in a slip and fall unless you’ve got Read More +