Florida Auto Insurance Coverages Could Change

Welcome To FLIs the required auto coverage on Florida roads enough to cover health care costs in the event of an accident? Many are finding that these limits are not enough to cover the medical expenses. It is required to carry personal injury protection of at least $10,000 in medical benefits. Lawmakers are currently discussing changing up the insurance coverage drivers are required to carry. If you or someone you know has been injured in an auto accident, call the Fort Lauderdale Injury Attorneys to discuss your options.

Fort Lauderdale Auto Accident Attorney

FL_Car_InsuranceFlorida’s Motor Vehicle No-Fault Law, which is also known Personal Injury Protection or PIP, requires all drivers to carry $10,000 in medical, disability and funeral protection. When a driver only carries the minimum coverage, $10, 000 is nearly enough to cover medical expenses for everyone in the car. Who ends up having to carry the burden of these excess medical expenses? Legislation is currently discussing cancelling out PIP benefits and raising the bodily injury coverage to $25,000 a person and $50,000 per incident. This would require a driver to purchase this coverage before being able to register a vehicle.  With any new change, there are always those that are in opposition to the new change. Physician groups as well as insurance companies are those who are in opposition, saying dumping PIP moves Florida to a system of litigation.

Florida Auto Insurance Changes

“We can bring meaningful value into a system that places fault appropriately on the person who caused the accident,” Senator Grall said.

FL Auto InsuranceWith Florida’s PIP law, there has been a tsunami of bad faith claims. The Florida PIP law has been revised several times since 2000 to try to reduce insurance fraud. But those reforms have also restricted coverage. PIP was created in 1971 as a way to reduce traffic lawsuits.

Of course, by requiring a higher minimum coverage, the minimum premium would be higher as well. Those is opposition of this new law wonders how this would affect low income families. Senator Grall’s bill made it out of its first committee, but it still faces an uphill battle. Similar legislation is also filed by Senator Jeff Brandes, Senator Tom Lee and Representative Bill Hager.

Florida Is Runner Up For Medicaid Fraud

florida-medicaid-fraudDoes anybody ever check with their insurance company to check what charges were being filed for payment? Many of us don’t ever follow up with this which gives health care providers a bigger opportunity to submit fraudulent charges to your insurance company for payment. Florida is ranking high in the lead for the nation’s top states in recovering money from health care providers suspected of Medicaid fraud.

Florida Insurance Claim

Florida-Insurance-FaurdThe federal government released data earlier this month that showed Florida’s Medicaid Fraud Control Unit recovered more than $165 million during 2016. Florida took place as the runner-up with New York coming in first place of Medicaid fraud. South Florida has received its name of being one of the “hot spots for health care fraud” in the nation.

If you or someone you know needs help with your insurance claim case, call an experienced attorney at The Ben Law Firm to discuss your options. Have the security and comfortability of having a lawyer by your side every step of the way!

 

Could Insurance Issues Weigh On Florida Legislature’s Agenda?

Fort-Lauderdale-Insurance-PolicyGary Farmer, a Fort Lauderdale Democrat and first-year senator, has been involved in the fight over assignment of benefits for the last five years. He was previously president of the trial lawyers’ organization Florida Justice Association, as the attorneys pushed back against proposals to restrict property owners’ ability to sign over benefits of their insurance policies to contractors.

A Fight Between Insurer’s and Trial Lawyers

This year, Farmer is a sponsor of the attorneys’ proposed fix countering insurers’ latest proposal that would deny legal fees to predominant attorneys representing contractors working under assignments.

The assignment of benefits issue is considered to be the most important insurance-related issue that is currently up for debate. Many are anticipating the outcome of this debate come this spring. There are many more insurance-related issue on the agenda as well.

Other Insurance Issues On The Plate

Fort-Lauderdale-InsuranceMany other insurance issues are on the watch this spring. Lawmakers are expected to look into personal injury protection also know as PIP. Some other topics will be allowing health insurance customers to sue their HMOs, prevent health insurers from dropping drugs from coverage lists in the middle of policy terms, plus many other issues that have been the center for conversation. No one knows what will come of these issues. Only time will tell if things will change or remain the same. 

If you or a loved one has been injured, call the Fort Lauderdale injury attorney that cares. The Ben Law Firm will stay by your side through the entire litigation process and ensure that you get compensated for your injuries.

A Law Firm that Fights for You!

Far too often, people are dissatisfied with their attorneys.  Complaints are often that the lawyer does not return phone calls, does not pursue the claim aggressively, or settles to easily.  At The Ben Law Firm, we have fought for and recovered millions of dollars in financial compensation for our clients.

The Ben Law Firm Puts the Ball In Your Court!

Insurance companies thrive on inexperienced lawyers!  Hire The Ben Law Firm, and we will put the ball back in your court.  We have decades of experience negotiating with Insurance Companies and recovering maximum financial compensation for our clients!

With over 50 years of collective service to the South Florida community, the Fort Lauderdale injury lawyers at The Ben Law Firm have helped thousands of clients to obtain money compensation for their personal injury and wrongful death claims.

All of the firm’s partners have received the prestigious “AV” rating from Martindale-Hubbell Law Directory, which is a recognition by their peers in the legal community that their practice meets the highest professional and ethical standards.

Our website is located at TheBenLawFirm.com.  We can be reached by telephone at (954) 961-2055 or by email at Andy@TheBenLawFirm.com.

 

Broward and Dade Counties have highest car insurance rates.

2014-03-10-reasons_why_car_insurance_rates_rise-thumb-thumb-333x222-87942According to a recent survey published inInsuranceQuotes.com, South Florida is the third most expensive place in the country to purchase insurance for your car. Congratulations to Detroit for taking the top spot.

The Insurance Information Institute says South Florida’s high rates are most likely a direct result of accident and theft statistics, particularly for expensive automobiles. Florida also has the second highest rate of uninsured motorists in the United States and this helps to drive up the insurance rates.

Miami-Dade County (with a population of 2.5 million) had the highest accident rate in the Florida, with a three-year average of more than 46,000 vehicle crashes between 2010 and 2013, an increase of more than 20 percent over that three-year period.

By comparison, Broward County (the second most populous county in Florida with a population of 1.8 million) had 19,000 fewer crashes, on average, over the same time frame.

This news should come as no surprise to anyone who owns a car in South Florida. Of course the Insurance Institute never blames the insurance industry (its sponsor) for the ridiculous insurance prices we pay.

Finally, once again, this survey indicates the importance of uninsured motorist coverage (UM), particularly if you live in Fort Lauderdale or Miami. Without UM you are bare — the odds are high that the motorist who collides with you will not have any insurance available.

With over 50 years of collective service to the South Florida community, the Fort Lauderdale, Florida, personal injury lawyers atThe Ben Law Firm have helped thousands of clients to obtain money compensation for their personal injury and wrongful death claims.

All of the firm’s partners have received the prestigious “AV” rating from Martindale-Hubbell Law Directory, which is a recognition by their peers in the legal community that their practice meets the highest professional and ethical standards.

Landlord ordered to pay for spying on female tenant

3236539862_48ede9fbaf-thumb-333x249-14632A Broward County jury recently awarded a women $476,000.00 in damages against her landlord. The landlord, a 60 year old IRS agent named Kenneth Ryals, rented one of the bedrooms in his townhouse to the woman. In her rental room was a miniature wireless video recording camera that Ryals had secretly installed to videotape her.

The female tenant sued Ryals for invasion of privacy. The woman discovered the hidden camera just before she was scheduled to move out of Ryals’ townhouse when she noticed a small hole was drilled into the front of the DVD player in the room. She called Davie Police who examined the device and discovered a wireless transmitting camera inside of the player.

Although Ryals confessed to the police that he was responsible for the camera, misdemeanor criminal charges were dropped by the Broward County State Attorneys Office.

This invasion of privacy case reminds us of how easy it is to secretly videotape someone with today’s electronic gadgets. Cameras and other digital recording devices are so small that they are easy to conceal. The potential for this type of invasion of our privacy is not a very comforting thought, given the availability of these types of devices and how cheap they are.

In Florida it is a crime to record an audio conversation without obtaining the prior consent of all the parties to the conversation. In cases involving video, however, there is no prior consent requirement for videotaping someone. Nevertheless, you are not allowed to invade the video subject’s privacy, which obviously the landlord did.

With over 50 years of collective service to the South Florida community, the Hollywood personal injury lawyers at The Ben Law Firm have helped thousands of clients to obtain money compensation for their personal injury and wrongful death claims

All of the firm’s partners have received the prestigious “AV” rating from Martindale-Hubbell Law Directory, which is a recognition by their peers in the legal community that their practice meets the highest professional and ethical standards.

Insurance Company’s profits sky rocketed 63 percent

businessman-smoking-cigar_-CB107114[1]-thumb-333x355-13351According to a recent report by the insurance industry, corporate profits for U.S. property and casualty insurers rose 63 percent to $27 billion for the first nine months of 2010 from $16 billion for the same period in 2009. The report was prepared by the ISO and Property Casualty Insurers Association of America, which are some of the industry’s leading sources for economic news.

The report was national in scope and did not specifically address the insurance industry in Florida. Just this year, however, a number of home insurers have dropped their policies for many South Floridians claiming that it is too risky to insure them.

Nationwide, Insurance companies’ claims-paying reserves grew by 7 percent to $545 billion as of Sept. 30 from $511 billion at the end of 2009.

Next year Republicans in the Florida legislature plan to reintroduce a measure vetoed previously by Gov. Charlie Crist that would provide insurers with new ways to increase your rates and reduce how much they pay for claims-related expenses. Expect governor-elect Rick Scott to grant the insurance company’s wishes and for rates to start climbing.

Gov. Rick Scott overwhelmingly supports the insurance industry (at expense of the citizens of Florida) and wants to lift a 10 percent cap on rate hikes for state-backed Citizens Property Insurance, Florida’s largest insurer, to “level the playing field” for private companies. In other words, if you are a policy holder with Citizens, you can expect you rates to go up as soon as Rick Scott takes office.

Bill Newton, executive director of the Florida Consumer Action Network, said the new political climate (referring to Gov. Scott and the Republican dominated legislature) in Florida may be bad for consumers.

As as was the case so many times in the past in Florida, the insurance companies just need to cry “Wolf!” and the Republicans in Tallahassee are only to happy to give those guys whatever they want. Floridians need to be aware that there is no “insurance crisis” in Florida, nor is there a need to limit their rights to seek justice in a court of law. The unfortunate reality is that terms like “tort reform” are just a ruse for the insurance companies to charge us even more money and to increase their profits.

With over 50 years of collective service to the South Florida community, the Hollywood personal injury lawyers at The Ben Law Firm have helped thousands of clients to obtain money compensation for their personal injury and wrongful death claims

All of the firm’s partners have received the prestigious “AV” rating from Martindale-Hubbell Law Directory, which is a recognition by their peers in the legal community that their practice meets the highest professional and ethical standards.