Is Umbrella Coverage necessary?

Umbrella coverage is additional coverage that may be purchased to protect more than just your car. By combining coverages on your cars and home, you can design a protection plan for any loss that may occur. These coverage amounts are usually above your current policy limits and are only valid when your losses exceed your base policy limits. Read More…

What does my insurance cover if I’m in an accident?

That depends on the amount of coverage you have purchased. In Florida, the law requires you to carry PIP or Personal Injury Protection, and PD or Property Damage coverage. PIP covers your first $10,000.00 in medical expenses and PD covers the damage you cause to someone else’s vehicle if the accident is your fault. It is a common mistake for people to believe PD covers their own vehicle, so make sure to purchase collision coverage. See below for more information regarding insurance coverages. What does my auto insurance cover? Here is a simple chart: Required by Law PIP – Personal injury Protection – This is medical coverage up to $10,000.00 for yourself PD – Property Damage – This is coverage for damage you cause to other vehicles Optional Coverage Bodily Injury Coverage – Protects your assets if you cause injury to another person. This is also important because it provides you with an attorney in case you cause an accident UM/UIM – Uninsured/Underinsured Motorists – Protects you for your injuries when the other driver is not covered. We highly recommend this protection. Collision – Repairs or replaces your car if you are at fault or the other driver has no PD coverage Comprehensive – Covers various items like your … Read More…

How much is my case worth?

This is the most common question I get here at Della Costa & Neville. We answer that by saying every case is different. Many factors determine a case’s value. Here are a few examples:  How badly were you injured? How bad was the accident? Was EMS or a hospital involved? How much are your medical bills? A jury may use all of these factors in their decision. More importantly, when it comes to case value, it is you. When you are honest and straightforward regarding your injuries and damages, you add value to your case. Read More…

What do I do if I slip and fall?

Slip and Fall accidents are common, but treated very differently than vehicle accidents. Report your fall immediately to the negligent party. Insist that you receive a person’s name and contact information so that you may follow-up with them at a future date. Cases that are brought to our attention immediately will more likely be successful because of Florida’s strict requirements. Call us now. Read More…

So You Breached A Contract

You breached a contract. You made a deal and did not do what you were supposed to do. These are some of the claims made, or threatened to be made, against you. What do you do? First and foremost, you need to obtain a legible copy of the entire contract, including all amendments, revisions, attachments and exhibits to the contract. If the contract refers to another document or states that another document is incorporated by reference, try to obtain this document, too. It is almost impossible to determine whether you breached a contract without seeing it. Relying upon your memory or someone else’s opinion of the contract is a big risk. Second, you need to read the entire contract, set it down for a few hours, read it again, and, then, draft notes regarding your questions, concerns or confusion. In fact, you may certainly repeat this process a few times. Third, contact a business, commercial or contract attorney to discuss the situation. It is in your best interest to contact an attorney who practices in this area of law. A criminal defense or divorce attorney may not have the experience you require. If possible, set an in-person meeting with the attorney and bring … Read More…

What do I do if I am hurt on the bus?

Most buses are video recording everything inside and out of the bus you were traveling in. Call us immediately so that we may secure those recordings and determine if the bus driver or another vehicle caused the accident. Recordings not only document the vehicles, they document what happened to your body on impact, evidence that is very persuasive when negotiating or litigating your case. Read More…

What do I do if I am hurt in someone else’s car when they get in an accident?

Even if it is a friend or family member driving the vehicle you were a passenger in, call an attorney for advice. Most insurance companies coordinate benefits based on Florida law. What each policy covers, or doesn’t cover, must be determined early. Don’t lose out on valuable benefits. Read More…

Can I sue my own insurance company?

Yes. If your insurance company does not pay your medical bills properly, you can sue them. If they refuse or pay an amount less than what is provided for by your Personal Injury Protection (PIP) benefits, benefits required to be paid by law, they can be liable. Insurance companies find creative ways to deny payment. Secondly, insurance companies may deny payment of your Uninsured/Underinsured Motorist Coverage. This is the coverage that you may have purchased to protect you against other drivers that fail to carry adequate injury/liability coverage. It is an optional coverage, but I encourage everyone to ask their insurance agent for a quote, its great protection. Suing your insurance company is a common remedy an injured person has when an insurance company does not pay all of your Personal Injury Protection PIP benefits, denies your claim due to a Compulsory Medical Examination (CME) cutoff, or when the UM/UIM coverage fails to adequately cover your claim. By simply hiring an attorney at the beginning of your case, you can avoid some of these pitfalls. Read More…