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Day: June 24, 2018

Personal Injury Attorneys

A person who suffers a loss or has been injured in some way due to the negligence or actions of another has recourse under the law in the US If he can prove that financial or physical loss he has suffered was the fault of another person or organization, he can approach a personal injury attorney to seek compensatory and punitive damages on his behalf. For instance, if he is in a car accident caused by a drunk driver and is injured or disabled in the process, he can seek compensation from the other driver.

Personal injury law, also known as tort law, covers claims arising from a wide range of situations such as wrongful death, medical malpractice, and defective products to accidents, discrimination, and worker's compensation. A victim can make a claim for loss of income arising from physical disability or emotional distress or for damage to property.

A qualified personal injury attorney will help a plaintiff file a proper case and secure fair compensation for the loss or injury. Usually, such attorneys charge contingency fees, payable only after damages have been recovered. A personal injury attorney must be chosen carefully, based on his experience with similar cases and his success rate. Make sure you choose one who has had experience dealing with insurance companies that most often represent defenders in personal injury cases.

An experienced personal injury attorney will settle a claim out of court, as most defenders want to avoid publicity and costly trials. If a case does go to court, a skilled attorney will be able to provide persuasive evidence in your favor and secure the best compensation possible. While there is no minimum or maximum settlement, it will depend on the actual nature of the loss or injury and how long the effects are expected to last.

If you are the victim of a physical injury or have suffered a health loss, income loss, or loss of property or reputation due to the negligence or malicious intent of another, contact a reputed personal injury attorney and claim appropriate compensation. The law allows you to do so. …

FR44 Insurance in Florida: Smart Tips and Helpful Hints

It has only been since 2008 that Florida requires FR44 insurance for their DUI drivers. Many agents and most consumers are unfamiliar with this policy type. The information here is not well-known and is invaluable to convicted drivers. Securing a lower cost policy and getting your license reinstated quickly is not a problem when you have the right information.

Many companies desire these polices . As a risk group, DUI drivers in Florida have recently proven to be especially profitable for insurance companies. This new realization comes about due to the ease of identifying and assigning results exclusive to DUI drivers because, they are the only ones that require FR44 insurance. Prior to 2008, DUI drivers were included with all other high risk drivers and required Florida SR22 insurance.

The State requirements for FR44 insurance policies, such as elevated liability limits, non-cancel provision, and others, are such that help make them profitable for companies. Therefore, a good number of them are competing with FR44 insurance quotes that have low rates and good terms.

Companies include key policy discounts. Car insurance policies include substantive discounts for high liability limits, paying in advance, and having priority coverage. Even though a DUI driver is designated to take these options via Florida FR44 insurance, the associated policy discounts are applied. Companies simply make no distinction between drivers voluntarily choosing these options and those compelled to do so. Secure every discount to achieve the lowest rate available and let go of any notification that you do not qualify for any because of a DUI on your record. Policyholders are often surprised and relieved at how affordable FR44 insurance is after discounts are applied.

Several policy types qualify for FR44 filing. A standard car insurance policy, a non-owned vehicle policy, and a recreational vehicle policy are the main types that can include a Florida FR44 filing. Vehicles with less than four wheels are not required to have $ 10,000 of Personal Injury Protection coverage (PIP insurance) included in their policy which is mandatory for all cars and trucks in Florida, and it is very expensive. A non-owned vehicle policy also excludes PIP. Rates vary greatly between policy types and many consider changing their vehicle or doing without one, especially to take advantage of not having to buy costively PIP coverage. You can receive a citation while driving any type of vehicle. You can comply with Florida FR44 insurance requirements on any type of vehicle, or without one alike. The State no longer accepts a filing on polices that have vehicles with less than four wheels.

Beware the DMV and Driver License Check Online. Before you can reinstate your license at the DMV the FR44 filing must be electronically transmitted by the insurance company to the Florida Bureau of Financial Responsibility and processing takes about 48 hours. Some drivers have presented a hard copy of the FR44 certificate, to the right clerk at the DMV , and got their license reinstated immediately. It is not uncommon that …