Florida PIP Insurance
| Gary T. Lazarus | 0 Comments | Uncategorized | , ,

Florida PIP Insurance Fraud Reform is Having a Positive Impact

Lower Fraudulent Claims and Lower Rates Benefit Everyone

Florida PIP Insurance

If you have lived in Florida for a while you may remember that there was a time when driving involved not only exercising due care to avoid accidents, but you had to worry about other drivers intentionally causing crashes. There are still some drivers out there who try to perpetrate this scam on law-abiding Florida drivers. The Florida legislature has been aware of these dangerous drivers for years and their efforts have gradually reduced the incidence of this and other types of insurance fraud. Lawmakers have consistently tried to respond to problems with the PIP law and their efforts seem to be helping.

Florida PIP InsuranceA recent review found that “2012 PIP reforms from House Bill 119 continue to reduce fraud and abuse, while providing cost savings to Floridians.”

Specifically, legislation targeting auto insurance fraud has produced savings on personal-injury claims of 17. 5 percent, and reduced premiums by a little more than 15 percent. Claim frequency and severity were reduced, too — by 10.2 percent and nearly 11 percent, respectively, producing a reduction in total loss costs of 20 percent.

The 2012 law changed which health care providers were allowed to provide PIP benefits by banning reimbursements to chiropractors and acupuncturists. It also banned treatment unless a doctor, nurse, dentist, physician assistant, or advanced registered nurse practitioner found that an “emergency medical condition” exists.

Fort Lauderdale Accident Attorney

In Fort Lauderdale, The Law Firm of Lazarus and Lazarus represents people who have been injured in motor-vehicle accidents. If there is fraud involved, we are trained to recognize these situations and deal with them appropriately. We are qualified motor vehicle accident attorneys with a sterling reputation for getting results for our clients.

We are committed to protect the rights of our clients, and to serve their needs pursuing the compensation they are entitled to under the law for any physical injuries or property damage.

So keep your eyes alert, don’t text while driving, never drink and drive.

Please reach out to us if you or someone you know has been involved in an automobile, truck, or motorcycle accident. Our 20+ years experience has placed us among the most qualified accident attorneys in Florida. We will be happy to arrange a confidential consultation and determine how we may be able to help you. Protecting your rights is our top priority.

Call us at 943-356-0006 or if you wish an online reply, please click here and give us some information. We’ll be in touch with you promptly.

 

| Gary T. Lazarus | 0 Comments | TRACTOR TRAILOR ACCIDENTS, Uncategorized | ,

Cars and Trucks – Is it Time for a Separation? Florida Truck Accident Attorney

More Safety-Focused Rules and Separation Highway Projects may be Necessary

The relationship between cars and trucks may be compared to children: “get along and play nice, or we’ll have to separate you.”

Florida Truck Accident Attorney 4When a 2500 pound car impacts with an 80,000 pound tractor trailer truck it’s not a mystery as to which one will probably come out with more damage and injuries. According to the Institute for Highway Safety, in 2012 there were 3,514 deaths involving large trucks. Of these, 17 percent were truck occupants, 67 percent passenger auto occupants and 15 percent motorcycle and bicycle riders and pedestrians.

Separate lanes have been used around the country, but with limited success.

What’s been done to reduce car vs. truck accidents so far?

·         The US Department of Transportation has mandated drug testing for truck drivers.

·         Electronic monitoring has reduced driver fatigue by forcing rest-periods.

·         Background checks for truck drivers are more accurate thanks to advances in computer databases.

What is planned for the future?

·         Crash avoidance technology: There are now computer-operated cars, it’s only a matter of time for trucks.

·         More truck-only lanes: Georgia plans to build two lanes limited to trucks along 38 miles of Interstate 75, a heavily travelled freight corridor south of Atlanta. It will be the largest truck-only project in the nation and is expected to cost $2 billion. Hopefully the project will be complete in 2030. In Florida, highway officials have struggled to keep truck traffic on the Florida Turnpike, but with the expensive tolls charged they are mostly opting for I-95 which is very over-crowded.

The Law Firm of Lazarus and Lazarus in Fort Lauderdale helps people who have been injured in truck accidents as qualified truck accident attorneys. We have devoted a large part of our practice to this very specialized area which requires extensive knowledge of the statutes and rules that apply to the trucking industry. We are pleased to be one of the leading truck accident attorneys in the greater Fort Lauderdale are serving Dade, Broward, and Palm Beach counties.

Please contact us any time at 954-356-0006 or click here to request an online contact. Thank you.

Edited by D. Lekov Cerxs

 

 

 

Fort Lauderdale Accident Lawyer
| lazaruslaw-2 | 0 Comments | AUTO ACCIDENTS, Uncategorized | , ,

What Does Florida PIP Insurance Cover? What Isn’t Covered?

Many People are Unaware What “Basic Coverage” Means

Fort Lauderdale Accident LawyerI recently had a conversation with young woman who was working at Starbuck’s. She was forlorn because of an auto accident she had on the way to work and said that her car would be in the shop for several days. She wondered aloud about getting a rental car while she was without her car, and I told her it would depend on her insurance. She said “I have PIP.”

I didn’t want to tell her that she would likely be getting a ride to work for a while because she was having a bad day already, but PIP coverage does not provide rental cars for drivers while their cars are being repaired. In fact PIP does not cover repairs. PIP stands for “personal injury protection” and covers medical expenses.

So many drivers are unaware of the facts as they pertain to auto insurance, we would like to help with some basic facts.

The 2016 Florida Statutes, Chapter 627, Section 736 is titled: Required personal injury protection benefits; exclusions; priority; claims – and you may read the section by clicking here.

Some basic information about PIP:

·         If you are a resident of Florida and you own a motor vehicle, you are required to purchase PIP. If you are a resident of Florida and own a motor vehicle, you are required to purchase PIP.  You are covered by PIP if you are the named insured.  You, the insured, are covered by PIP while driving your vehicle or when a passenger in another’s vehicle.  You are also covered while outside a motor vehicle if struck and injured by a motor vehicle.

·         Resident relatives who live with you, the insured, may be covered by your PIP benefits while they are driving your car, as passengers in your or another’s car, and while pedestrians if struck and injured by a motor vehicle.

·         Others who are injured while driving your insured motor vehicle or who are injured while a passenger in your insured motor vehicle or who are injured as a pedestrian when struck by your insured motor vehicle may be covered by your PIP.

·         If you or your insured relatives living with you are injured while outside Florida, and are in your insured motor vehicle, you and your insured relatives are covered under PIP as long as the injury occurs within the United States, its territories or possessions, or in Canada.

It is prudent to visit with an insurance agent and take the time to discuss exactly what you expect from your automobile insurance before you buy it. Benefits like towing, repair, and rental cars are certainly worthwhile but they cost more.

PIP usually covers $10,000 of medical expenses and many injuries sustained in accidents exceed that amount.

The Law Firm of Lazarus and Lazarus has been helping Floridians injured in automobile, truck, and motorcycle accidents for more than 20 years as qualified accident attorneys. We are committed to provide everyone with the information you need to stay as safe as possible, and to have the information you need to make informed decisions.

We are available to meet with you if you’ve been involved in an accident, and you may contact us by calling 954-356-0006 to arrange a free consultation.
Click here to view our contact page where you may request that we contact you online.