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Insurance  
Written by Administrator   
Tuesday, 03 November 2009 08:42

MANY DRIVERS HAVE NO INSURANCE

Have you ever thought about what would happen if you were injured by another driver that did not have any insurance to pay for your damages?

  • How would you pay your bills after you have missed several paychecks from work because of your injuries?
  • How would you pay for medical bills, prescription medications, surgery, medical devices and other expenses and bills from an accident?
  • How would you recover for pain and suffering?
  • How would you pay for damages caused by a hit and run driver?

You can protect yourself by insuring yourself against injuries caused by other drivers! UNINSURED MOTORIST coverage allows you to recover for damages caused by a driver that has NO insurance. What if the driver that runs into you only has a very small amount of insurance that is way too little to cover your expenses? Uninsured Motorist coverage also protects you from UNDERINSURED drivers.

 The Insurance Research Council study shows Florida was one of the five states with the highest uninsured driver estimates. Florida law does not require drivers to carry insurance coverage to pay for injuries to other people. It is available, but not required by law like property damage coverage. As you may know, many drivers don’t carry any insurance at all or make the initial payment and then allow it to lapse. You take a chance every time you operate an automobile that you could be injured in an accident by a person who does not have enough insurance coverage available to cover your injury claim, inadequate personal assets to pay you, or just too little insurance to cover your case.

If the medical bills from an automobile accident are minor, it is possible that the PIP benefits of $10,000.00 may be enough. However, many drivers sustain serious injuries in accidents that far exceed the PIP benefits. Also, even relatively minor care can be very expensive. An emergency room visit via ambulance can quickly diminish PIP benefits. Uninsured/Underinsured Motorist (UM) coverage assures that insurance benefits will be available in the event you are injured in an accident caused by a driver without insurance or with too little insurance coverage.

 In the grand scheme of your automobile insurance coverage, UM coverage is not that expensive and will more than pay for itself if you are injured by an uninsured/underinsured driver. UM coverage protects you and usually the passengers in your vehicle at the time of the accident. UM coverage even covers you even if you are a passenger in another person’s vehicle or if you are a pedestrian at the time of the accident. UM coverage protects you when the accident is caused by a hit and run driver.

WHIBBS & STONE is always committed to protecting your rights and best interests. If you or your loved ones are ever involved in a dispute over uninsured/underinsured motorist coverage, we urge you to seek advice from one of our experienced personal injury attorneys before talking with anyone from any insurance company. Our firm understands the insurance laws in the State of Florida We will provide you with a free consultation, with no attorney’s fees or costs, unless and until we recover compensation for you.

 
 
Who needs a Will?  
Written by Administrator   
Tuesday, 13 October 2009 08:02

Who needs a will? Just about everyone needs a will. Statistics show that most people do not have a will. Wills are not just for the rich. Regardless of how much a person owns, it is important for everyone to have a will. A will ensures that your family is taken care of after an untimely death. A will ensures that what you do own passes to your family or beneficiaries you designate. If you do not have will, Florida law will determine who will inherit your assets as well as how much. In addition to disposing of your assets, a will allows you to appoint who your children’s guardian will be if you suddenly pass away. In addition to selecting your children’s guardian(s), you also have the ability through a will to set up a trust for minor children to ensure the money they do inherit is handled properly and used for your children’s best interest. Again, without a will, the court will select the guardian and trustee for your children and most times that person does not match your wishes. Having the court make these decisions also creates family disharmony because during such a difficult time, most often you find the surviving family members fighting over assets, who gets custody of minor children and who will have financial control over your assets. Therefore, having a will prepared by an attorney in advance will eliminate a lot of these issues and concerns. Most people avoid doing a will and other essential estate planning documents because most people do not like to think about death. However, most people find comfort, relief and assurance that their affairs are in order once their will/estate plan is complete. Once people understand the consequences of not having a will, they feel much better going through the relatively simple process of having a will prepared knowing they are protecting their family’s future.

Our firm is dedicated to making this process relatively simple and easy. We are further dedicated to making sure all of your wishes are legally protected and upheld.
 

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