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Teen Accidents

Tampa parent reviewing car insurance documents with a teen driver after a Florida crash, for illustrative purposes only.
Blog, Teen Accidents

How Does Teen Driver Car Insurance Work When Filing a Claim in Florida?

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In Florida, teen drivers’ claims are covered under the parents’ auto policy through Personal Injury Protection (PIP) for medical bills, regardless of fault. If the teen caused injuries to others, Bodily Injury Liability applies. Claims can be denied entirely if the teen wasn’t listed on the policy before the crash. Quick Summary Florida is a no-fault state. Your PIP pays your teen’s medical bills first, up to $10,000, regardless of fault. If your teen wasn’t listed on your policy, the insurer can legally deny the entire claim. Florida Statute 322.09 makes you personally liable for your teen’s negligence the moment you sign their license application. The Dangerous Instrumentality Doctrine means you can be sued beyond your policy limits as the vehicle owner. If someone was seriously hurt, call a personal injury attorney before giving any insurer a recorded statement. The Reyes Firm Is Your Teen Driver Accident Claim Being Denied? Get clear legal guidance after a crash involving a teen driver in Tampa or anywhere in Florida. Had a bad day? Schedule a Free Consultation What does Florida car insurance actually cover when a teen driver crashes? Florida’s no-fault PIP coverage pays 80% of your teen’s medical expenses and 60% of lost wages up to your $10,000 policy limit, regardless of who caused the crash. Property damage to the other vehicle falls under your PDL coverage. Injuries your teen caused to others require Bodily Injury Liability, which Florida does not mandate. What is PIP, and how does it apply to my teen driver? Personal Injury Protection is Florida’s no-fault medical coverage, governed by Florida Statute 627.736. It covers your teen, whether they caused the crash or not. Florida requires a minimum PIP of $10,000 per person. PIP pays: 80% of reasonable medical expenses, including ER, imaging, and follow-up care 60% of lost wages if your teen misses work due to injuries Up to $5,000 in death benefits if the crash is fatal One critical rule: your teen must seek medical care within 14 days of the crash to qualify for the full $10,000 PIP benefit. Miss that window, and the benefit drops to $2,500 for non-emergency conditions. What does Property Damage Liability cover? Florida requires a minimum of $10,000 in Property Damage Liability (PDL) coverage. If your teen rear-ends another vehicle, PDL pays to repair or replace that car. PDL does not cover your teen’s own vehicle. That requires Collision coverage, which is optional in Florida but often required by lenders. What if the other driver had no insurance? Florida’s uninsured motorist rate sits at approximately 20.6%, according to the Insurance Research Council’s 2023 data. If an uninsured driver hits your teen, your own Uninsured Motorist (UM) coverage steps in, but only if you purchased it. UM coverage is optional in Florida and must be rejected in writing if you don’t want it. ⚠️ Warning — Florida Statute § 627.736: Florida’s $10,000 PIP minimum sounds protective, but a single ER visit for a teen with a head injury can exceed that limit before discharge. For serious crashes, PIP is a starting point, not a finish line. Bodily Injury Liability gaps and UM gaps can leave families personally exposed when damages are significant. What happens if your teen wasn’t listed on your policy? If your teen had their license, drove regularly, and you never added them to your policy, the insurer can deny the claim on the basis of material misrepresentation. A Named Driver Exclusion under Florida Statute 627.747 can also bar coverage entirely. Denial means you personally face the other driver’s damages. Why do insurers deny claims for unlisted teen drivers? Insurance companies price risk at the time you buy coverage. Teen drivers statistically crash more than any other age group. In 2024, FLHSMV reported 82,447 crashes involving teen drivers in Florida, resulting in 102 teen driver fatalities and 38 teen passenger fatalities. When you don’t add your teen, the insurer never prices their risk into your premium. That’s the grounds for denial. What is a Named Driver Exclusion in Florida? A Named Driver Exclusion is a formal policy endorsement that removes a specific person from all coverage under the policy. Under Florida Statute 627.747, insurers can require this exclusion for high-risk household members. If your teen was excluded, either by your signature or by a policy change you may not have fully understood, the policy pays nothing when they’re driving. What to do if your claim is denied for this reason: Request the denial in writing immediately Ask for a copy of the signed Named Driver Exclusion form If you never signed an exclusion, the insurer may not have legal grounds to deny Contact a personal injury attorney before accepting any denial as final 🛡️ Your Rights Under Florida Statute § 627.747: A Named Driver Exclusion must be signed by the policyholder to be enforceable in Florida. If your insurer claims your teen was excluded but cannot produce a signed exclusion form with your signature, that denial may be challengeable. Don’t treat a denial letter as the final word before speaking with a licensed Florida attorney. Who does Florida law hold responsible when a teen causes serious harm? Florida law creates two separate layers of parental liability. Florida Statute 322.09 makes parents personally responsible for a teen’s negligence from the moment they sign the license application. The Dangerous Instrumentality Doctrine makes vehicle owners strictly liable for crashes caused by anyone they permit to drive their car, regardless of fault or presence at the scene. What is Florida Statute 322.09, and what does it mean for parents? When you signed your teen’s driver’s license application, you assumed legal responsibility for any negligence or willful misconduct they committed behind the wheel. That liability stays in place until your teen turns 18, even after they receive a full Class E license at 16. Under Florida Statute 322.09, the injured party can sue you directly as the parent or guardian who signed the consent form. Your teen’s negligence becomes your legal exposure.

Teen semi truck accident injuries Florida: a worried teen driver stands by a disabled car on a Florida highway as a semi-truck passes in the background.
Blog, Teen Accidents, Tractor Trailer Accidents, Truck Accidents

Teen Drivers and Semi-Truck Crashes in Florida: Why Risk Is Higher and What to Do After an Injury

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Right after a serious semi-truck crash in Florida, life can feel unreal. A teen or young driver may look “okay” on the outside, but still feel rattled, sore, and scared. Parents often feel overwhelmed, too. They are trying to stay calm while juggling calls, paperwork, and the need to make fast decisions. It is also common to second-guess everything. “Am I overreacting?” “Do they really need the ER?” “Should I just give the insurance company what they’re asking for so this stops?” Those thoughts hit hard when sleep is poor, and everyone is running on adrenaline. This article gives families clarity, structure, and next steps. It explains why teen semi truck accident injuries in Florida cases can be so serious, what medical care usually looks like, and what Florida rules can affect health coverage and fault. Why teen and young drivers face a higher risk on Florida highways After a crash, many families feel confused about how it happened so fast. A teen may say, “I didn’t even see the truck.” That is not always carelessness. It is often a mix of inexperience and highway speed. Teens and young drivers face a higher risk because: Less time behind the wheel. They have had fewer chances to practice judgment in heavy traffic. Faster decisions on highways. Merging, lane changes, and sudden slowdowns happen quickly on Florida interstates. Distractions and pressure. Phones, passengers, and stress can pull attention away at the wrong time. Following too closely. A small gap can feel safe until traffic stops suddenly. Florida crash data shows the scale of the teen driving problem. Florida reported 82,447 teen crashes in 2024, including 102 teen driver fatalities and 38 teen passenger fatalities (preliminary figures as of June 2025). Timing matters more than most families think Families often ask, “Why did this happen on a normal day?” The truth is that certain times are riskier. The FLHSMV report notes that traffic crashes occur most frequently on Friday at 4 PM. That timing often lines up with: After-school and after-work traffic Rushed drivers trying to get home More lane changes and merges Teens driving to sports, jobs, or social plans This is one reason a teen driver’s highway crash in Florida often starts with “It was just a regular drive.” Why are semi-trucks making teen driver mistakes more dangerous Families are often pressured to treat a truck crash like a normal car crash. That can be a mistake. A semi-truck changes everything, including the injury risk and the investigation. A few facts help explain why trailer truck accidents in Florida cases can hit harder: Weight and force. A semi-truck is much heavier than a passenger car. At highway speed, the force can be extreme. Longer stopping distance. Trucks need more room to slow down safely. Large blind spots. Teens may not realize how easily a car can disappear beside a trailer. Bigger crash scenes. A semi-truck crash often causes multi-car pileups, rollovers, or lane closures. Florida reported 46,651 commercial motor vehicle crashes with 315 fatalities (preliminary). This is part of why the topic of semi-truck accident injuries in Florida matters for families. When a teen is involved, the physical and emotional impact can be even heavier. Common teen semi truck accident injuries Florida families should watch for It is normal for a teen to say, “I’m fine,” even when they are not. Many young drivers do not want to worry their parents. Some injuries also show up later, after adrenaline drops. Common teen semi truck accident injuries in Florida cases include: Head injuries and concussion symptoms A concussion can happen even without a direct head hit. Families should watch for: A headache that does not go away Dizziness, nausea, balance problems Light or noise sensitivity Brain fog, trouble focusing Mood changes, irritability, unusual fatigue Neck and back injuries Neck and back pain can start hours or days later. Whiplash after a truck accident collision is common because the head and spine snap quickly. Red flags include: Numbness or tingling Weakness in arms or legs Pain that worsens instead of improving Chest and abdominal injuries Seatbelts save lives, but bruising can still mean the body took a hard hit. Families should not ignore: Rib pain Shortness of breath Belly pain or deep soreness Mental and emotional trauma Many families feel unsure about this part. They may think, “It wasn’t that bad. Why is my teen acting differently?” Emotional symptoms can be real and serious, especially after a crash with a semi. Signs can include: Nightmares or panic while riding in cars Avoiding driving completely Anger, crying, shutdown, or fear that feels “out of character.” Mental recovery is part of medical recovery, and it can also affect school, work, and daily life. Teen anxiety after a crash is real. This video explains why medical support (like counseling or therapy) helps document symptoms and guide recovery. What medical care after a crash should look like in Florida Right after the crash, families often feel pressured to “wait and see.” They may worry about cost, time, or being judged. But early medical care matters for health and for insurance. Step 1: Get checked early, even if symptoms feel mild A teen may feel okay at the scene, then feel worse the next day. A medical check helps identify hidden injuries and documents symptoms. This is one of those “better safe than sorry” steps after a crash. Step 2: Know Florida’s 14-day PIP rule Florida is a no-fault state for many car crashes, which means Personal Injury Protection (PIP) may help cover medical bills. Florida law says PIP medical benefits apply when the injured person receives initial services and care within 14 days after the accident. That is why people search phrases like Florida PIP no-fault and 14-day rule, Florida car accident medical care. This rule isn’t about who caused the crash. It’s about how soon care happens. Step 3: Understand what hospitals do after a semi-truck accident Many families leave the ER with more questions

Tampa Teen Car Accidents Parent Playbook for the First 24 Hours
Blog, Car accident, For Parents, Teen Accidents

Tampa Teen Car Accidents: Parent Playbook for the First 24 Hours

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Most parents remember the day their teen got a driver’s license. It’s a moment filled with pride and a little fear. Driving gives teens freedom, but it also comes with serious risks. And when the unexpected happens, like a car crash, parents often feel confused, overwhelmed, and unsure of what steps to take next. Teenagers aren’t always ready to handle the chaos that follows a crash. Their first instinct may be to panic, avoid getting in trouble, or even downplay the situation. That’s why parents must know precisely what to do after a car accident involving their teen. The first 24 hours are the most important for safety, insurance, and legal rights. This article gives families in the Tampa area a clear, step-by-step playbook. Whether a teen was injured, at fault, or simply scared, knowing how to act quickly and wisely can protect their future and reduce long-term damage. Here’s what every Tampa parent needs to know. 🚦 TL;DR: What Tampa Parents Should Know After a Teen Car Accident Stay calm and check on your teen’s safety. If there are injuries or serious damage, call 911 immediately. Gather details at the scene: photos, contact info, insurance, and a police report, even for minor crashes. See a doctor within 14 days to protect your teen’s health and secure PIP Florida insurance coverage. Be careful with insurance statements and don’t let your teen post about the accident on social media. Florida law may hold parents liable for damage caused by teen drivers under 18. Contact a Tampa personal injury lawyer to protect your rights, especially if your teen was injured or wrongly blamed. 1. Check for Safety First The most important thing after a crash is making sure everyone is safe. If a teen is calling from the scene, the parent should stay calm and ask clear questions. Are they hurt? Is the car in a dangerous spot? Is anyone else injured? If the accident just happened, tell the teen to turn on hazard lights, stay in the vehicle if it’s safe, and move to the side of the road if possible. If someone is hurt, call 911 immediately. Even if the accident seems minor, it’s better to have emergency services come and make sure everyone is okay. Parents should try to get to the scene if they can, especially if their teen is shaken up or confused. Being physically present can help the teen stay calm and follow the proper steps. 2. Gather Information at the Scene After making sure everyone is safe, it’s important to gather facts about the crash. This will be helpful to insurance companies and, possibly, a personal injury case. The teen or parent should take photos of the damage to all vehicles, the crash scene, and road signs and traffic signals. They should also write down: Contact information for everyone involved in the crash, including drivers and passengers License plate numbers Insurance information The name and badge number of the responding police officer Names and contact info for any witnesses Even if it’s uncomfortable, these details matter. Without them, it may be harder to prove what happened later. 3. File a Police Report in Tampa In Florida, the law requires a police report for crashes involving injuries, deaths, or property damage over $500. That includes most accidents, even ones that don’t seem serious at first. Teens might feel nervous about talking to the police, but a report must be filed. A police report is an official record. It shows what happened, where, and who was involved. This can help protect a teen if someone else tries to say they caused the crash when they didn’t. Teens and parents should avoid admitting fault or saying things like “I’m sorry” or “I didn’t see them.” These words might be misinterpreted and later used by insurance companies to blame them for the crash. 🎥 Why You Should Never Say “Sorry” After a Crash In this short video, Attorney Edward Reyes explains why admitting fault, even casually, can ruin your case after a car or trucking accident. This advice also applies to teen drivers. Watch below: ⚠️ Saying “I’m sorry” or “I didn’t see you” can be used as evidence of fault. Let your lawyer speak for you. 4. Get Medical Care Within 14 Days Many injuries don’t show up right away after a car crash. A teen might feel okay at first, but neck, back, or headache pain can appear hours or days later. That’s why it’s a smart move to get checked by a doctor even if there are no visible injuries. Under Florida Statute §627.736, drivers must receive medical care within 14 days of the accident to qualify for PIP (Personal Injury Protection) benefits. PIP covers up to $10,000 in medical expenses, regardless of who was at fault. If a teen waits too long to see a doctor, the insurance company may deny the medical claim. That could leave the family paying out of pocket for hospital visits, therapy, or medications. 5. Report the Crash to the Insurance Company Once the immediate safety and medical issues are handled, the accident should be reported to the family’s insurance company. But this needs to be done carefully. What is said during that first report can affect what gets covered and what doesn’t. When calling the insurance company, only share the facts. Avoid guessing about what happened, who caused the crash, or how bad the injuries might be. It’s also a good idea not to give a recorded statement until talking with a lawyer, especially if the car crash involves catastrophic injuries. Many parents don’t realize that their own insurance company might try to limit payouts or deny coverage. That’s why calling a car accident lawyer for a teen in Tampa is a smart next step. 6. Know the Legal Rules for Teen Drivers in Florida Florida law treats teenage drivers the same as adults when it comes to responsibility. But if a teen is under 18, a parent

Unlicensed teen car accident in Florida: parents discussing liability at the scene of a minor crash.
Blog, Teen Accidents

Can Parents Be Sued If Their Unlicensed Teen Causes a Car Accident in Florida?

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It’s every parent’s nightmare — getting a call that their teenager has been in a car accident. But what if that teen wasn’t even licensed to drive? The situation quickly becomes more serious and confusing. Beyond the emotional shock, parents may suddenly face legal questions like, “Can parents be sued for an unlicensed teen’s accident?” In Florida, these questions matter because accidents involving minors can impact more than just the teen driver. When an accident involving an unlicensed teen driver occurs, parents, guardians, and even vehicle owners can face legal or financial consequences. Understanding how Florida law handles unlicensed driving, parental responsibility, and insurance coverage can help families protect themselves before and after an accident. Understanding Florida’s Teen Driving Laws Florida law is strict when it comes to unlicensed driving. Under Florida Statute §322.03, it’s illegal for anyone to drive without a valid license. Teens must have a learner’s permit and meet supervised driving requirements before getting a full license. If a teen drives without one, it’s considered negligence, and that opens the door for serious legal action. Parents can be held responsible under Florida’s parental responsibility and negligent entrustment laws, especially if they knew or should have known their teen was driving. Can I get sued if my unlicensed teen causes a car crash in Florida? Yes. Parents can be sued for damages if their unlicensed teen causes a crash, especially if they allowed or failed to stop them from driving. Florida law holds parents and vehicle owners jointly liable for a minor’s negligence.. Watch: What Happens If an Unlicensed Teen Causes a Crash? Attorney Edward Reyes of The Reyes Firm explains what happens when an unlicensed teen causes a car accident in Florida and why parents and vehicle owners can still be held liable. “If an unlicensed teen causes a crash, just know that the parents are going to get sued or at least get a demand. It depends on the crash — if they hit a tree, the parent could face property claims. If they hit a person, both the teen and parents can be held liable.” — Attorney Edward Reyes Who Is Liable After an Unlicensed Teen Driver Accident? When an accident happens, victims often ask, “Who pays for the damage?” Liability in an unlicensed teen driver accident usually involves three main parties: the teen, the parents, and the vehicle owner. 1. The Teen Driver The unlicensed teen is the at-fault driver, but minors typically don’t have assets or insurance. This means victims usually must pursue claims against the parents or the owner of the vehicle instead. 2. The Parents or Guardians Parents may face lawsuits if they allowed or ignored their child’s unlicensed driving. Florida Statute §322.09 holds parents accountable for a teen’s negligent or willful driving behavior, even if the teen wasn’t legally permitted to drive. Can parents be sued for their teen’s car accident? Absolutely. In Florida, parents can be sued for damages caused by their unlicensed or negligent teen driver, including property damage, injuries, and medical bills. 3. The Vehicle Owner If someone else owns the car, such as a friend or neighbor, that person can also face a claim against the vehicle owner for negligent entrustment. Letting an unlicensed teen borrow your car is a legal risk, one that can lead to shared liability. Insurance Coverage When an Unlicensed Teen Causes an Accident Auto insurance companies often refuse to cover accidents involving unlicensed drivers. Most policies require all drivers to be appropriately licensed, and violations can void coverage. Still, victims might have other options: File an unlicensed driver insurance claim through their own uninsured motorist coverage. File a demand letter after a teen driver accident to seek a settlement. Pursue a personal injury lawsuit for damages. Does insurance cover accidents caused by unlicensed drivers? Usually not. Most insurance policies exclude unlicensed drivers. However, victims may still file uninsured motorist claims or sue responsible parties like parents or car owners. Because these rules are complex, it’s smart to speak with a Tampa car accident attorney right away to explore your options. Common Scenarios After an Unlicensed Teen Driver Accident When a Teen Crashes Into Property If a teen driver hits a fence, mailbox, or tree, the property owner can file a claim for property damage. When property damage happens, the parent or vehicle owner may be responsible for repairs and cleanup. Who pays if a teen crashes into someone’s property? The parents or the vehicle owner are typically responsible for property damage caused by an unlicensed teen in Florida. When a Teen Driver Hits a Pedestrian If a teen driver hits a pedestrian, that pedestrian can sue both the teen and the parents. Injuries may include hospital bills, lost income, and emotional suffering. Courts take these cases seriously since unlicensed driving shows apparent negligence. Who’s liable if a teen driver hits a pedestrian in Florida? The unlicensed teen, their parents, and sometimes the vehicle owner can all be held legally responsible for the pedestrian’s injuries. When Multiple Parties Share Fault When both a parent and a vehicle owner contribute to the accident, victims may file a negligent entrustment claim against both. This ensures everyone involved in allowing the teen to drive is held accountable. How to File a Claim Against an Unlicensed Teen and Their Parents Filing a claim after a teen driver accident involves several essential steps. 1. Document the Scene Collect the police report, take photos, and gather witness information. Crashes on major Tampa roads like I-275, Dale Mabry Highway, or Hillsborough Avenue often have camera footage available. 2. Send a Demand Letter A personal injury attorney may send a demand letter for a car accident to the parents or vehicle owner, explaining injuries, losses, and the compensation sought. This is often the first step toward settlement. 3. File a Lawsuit If the settlement fails, a lawyer can sue the parents and the teen driver directly. The claim may include parental negligence, vehicle owner liability, and unlicensed driving violations.

The Most Common Rear-End Type Injuries
Accident Injuries & why, After A Car Accident, After an Accident, Car accident, FAQ, For Parents, For Teens, Health, Injury, Personal Injury, Road Accidents, Scooter Accident, Slip and fall, Teen Accidents, Traumatic injury, Why does this hurt, Why we serve

The Most Common Rear-End Type Injuries

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Whenever you get a person that got rear-ended, what are the most common injuries that you find from those types of accidents? Spine injuries to the neck. So what we call the cervical spine in the neck is very frequently injured and it presents with a variety of symptoms sometimes with very severe headaches, neck pain, pain in the shoulders. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 Sometimes these patients even have something called vertigo where the patient feels dizzy and the world around them turns constantly. It’s not that uncommon to see that in a rear-ending injury. Now when you mentioned spinal injuries, ’cause there are different types of spinal injuries as well and different things that affect the disc, just walk us through what specifically do you find, herniations? Call us at 813.421.3411 for more information. (Transcript from the video, transcribed but not reviewed)

The Most Common Injuries After an Accident
Accident Injuries & why, After A Car Accident, After an Accident, Car accident, FAQ, For Parents, For Teens, Health, Injury, Migraines, Road Accidents, Scooter Accident, Strict Negligence, Teen Accidents, Traumatic injury, Truck Accidents, Why we serve

The Most Common Injuries After an Accident

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What are the most common injuries do you find in your line of practice? Spine injuries secondary to car accidents is by far what I see the most. I see an incredible number of rear-ending injuries from people who were texting and they failed to see the person in front of them stopping, and they’re rear-ended. And rear-ending injuries have very predictable consequences in terms of the pain and the injuries that occur. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 The biggest impacts that we see as far as auto accidents go, we have other moped accidents, scooter accidents, but it’s either rear-ended injuries or accidents or left-hand turn ones. Those are the two most common, but the rear end ones are the ones that we find are a lot of damage unless they get T-boned. Call us at 813.421.3411 for more information. (Transcript from the video, transcribed but not reviewed)

Are Teens Charged Differently
For Parents, For Teens, Legal, Our Community, Police Interaction, Teen Accidents, Why we serve

Are Teens Charged Differently?

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Are the rights of teenagers different? It depends on the age, what advice would you give a parent or what happens in those scenarios, I guess it depends on the crime. At what point do they become, juvenile, at what point do they become adults and is it after 18 So, this is a common issue. So for anyone out there who’s got teenage children, we’ll note teenagers get in trouble. Now, teenagers do all sorts of things because they’re immature, their frontal cortex hasn’t developed yet, they’re experimenting with life, which means frequently committing, things that are crimes. They certainly come into contact with law enforcement, frequently. Now obviously, if your kid’s a UT student and they’re 18 or a University of South Florida student and they’re 18, there’s not much you can do other than, you know, shake your head and hire a lawyer. Please, hire a lawyer. But if your child is a juvenile, you can certainly talk to them, and probably the thing you should say is, “Please, I’m begging you, don’t commit any crimes. “I’m begging you not to commit any crimes.” If my kids are watching this, please don’t commit any crimes. Understanding Things However, they have to understand the same thing, the same rule that I said about traffic stops. When they come into contact with law enforcement, they have to be polite, short and consent to nothing. Now law enforcement has additional rules that they’re supposed to follow when dealing with juveniles and that’s anyone under the age of 18. They not only have to Mirandize them if they’re going to interrogate them, but they also have to go through what’s called the Ramirez Factors. Also, they’re obligated to attempt to contact an adult, parent or guardian. However, their attempt can be, I think the word would “desultory.” This is, they can make a phone call and no one can answer and they’ll just go on about their business, because of what they would say is the exigency of their job. But they are obligated to make, like sort of, a good faith attempt to talk to an adult before questioning a juvenile. Although, that’s, depending on the age and maturity of the child. So they go through the Ramirez Factors, they ask the child, you know, “How old are you? “What grade and the school have you gotten to? “Can you read and write?” To determine whether or not the child is, a child or a teenager, almost an adult. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today 813.421.3411 That being said, tell your kids, “If you’re in trouble and law enforcement wants to “question you, be polite, don’t get angry, short, “consent to nothing.” That’s it. That’s probably the same advice you should give to everybody. Call us at 813.421.3411 for more information. (Transcript from the video, transcribed but not reviewed)

Auto_Insurance
After A Car Accident, After an Accident, Blog, Car accident, FAQ, For Parents, For Teens, Injury, Legal, Teen Accidents, Why we serve

Why Auto Insurance Companies Question You After A Car Accident?

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Today’s topic is about knowing that no one is going to interrogate you like your own insurance company. But in reality, the bigger insurance companies don’t do this, they do not do this as much as small insurance companies. However, the smaller insurance companies and I’ll just throw it out there, Windhaven, Ocean Harbor, Infinity, they are the bigger ones that do this the most. The reason why is because they like to collect premiums and they don’t like to pay out whatever they need to payout. Recorded Statement So, just put them on blast, but whenever you get in a car accident, or whenever you’re injured, whatever the case is, they want you to do a recorded statement. With the recorded statement they’ll ask you a series of questions. While these smaller companies, they try to not pay you as far as your benefits. So they’re looking for anything they can ask you on the recorded statement and the problem is that you have to give the recorded statement by law because you have a contract with these people and if you do not comply with the contract basically they can drop your benefits. But they’re trying to drop your benefits regardless. So, the idea here is that they’re trying to figure out if you said something in your application and reality is something different. So, while you fill out your application you say a couple of things like there’s a questionnaire and things like that. But then whenever you are involved in an accident they’ll go over painstakingly, every single item. Where do you live? Who do you live with? What did you do when you were in second grade? They go so deep because they’re trying to catch you in some sort of discrepancy. It could be a small technical error and then they cancel your policy and they call it fraudulent misrepresentation. But they call it that and basically the reason why they call it that is under fraud, they can cancel your policy because it’s under the pretenses of fraud. And in fraud voids contracts. And by voiding your contract they can void your policy. And they can void the payment. They can make it seem like you never had insurance ever with that company. So that’s why they call it Fraudulent Misrepresentation. Fraudulent Misrepresentation It literally could be that you had somebody that doesn’t have a car, doesn’t drive, doesn’t do anything like that, but they might be like 14 years old that lives in the house. Well, they’ll say, “He lied to us about it, therefore we’re dropping your policy.” “Oh, you stayed at your dad’s house for 3 months and not at this house, oh you don’t qualify for your policy.” So, they are looking for all these little minute reasons to drop you whenever they can and this happens again with the small insurance companies for the most part, and they really will go through this long, long extended process. I’ve realized that because whenever we’re trying to do, when I deal with these smaller companies a lot of times, those, and I call it, it’s not a deposition, it’s not an examination of law, but they’re almost like those in-depth questionnaires that I can’t even call and talk. I can object sometimes, but it’s not like in court that I can object a few different things. They really will go down so deep just to find out one little thing to drop you. Again I mean, if they can figure out that somewhere on the application, somewhere there is a mis-rep- there’s some sort of discrepancy, could be small whatever, they’ll say, “Listen, you committed fraud”, which is not true, “but in the pretenses of the application you committed fraud, therefore, you should, we should not pay your policy”. Tampa personal injury lawyer Edward Reyes represents people in Tampa and Hillsborough County, Florida who have suffered an injury in an incident or accident type of accident. Speak Directly to Me, At No Cost, Today – (813) 421-3411. So, that really does happen on a regular basis. We will deal with that in the smaller companies where when I talk to them, instead of having a conversation that should only last 10 minutes, maybe 15 minutes max cause they should be asking just about the actual accident itself, the incident itself, not about all this extra stuff that’s they’re trying to cover up, or not cover up I didn’t mean to say that word. Not all these things that they’re trying to bring up. But the reason why they bring up all this extra stuff, these smaller companies, is to avoid paying the policy. They’re looking for discrepancies. So, nobody’s going to investigate you harder than your own insurance company, depending on your insurance company, to try to cancel the coverage that you’ve been paying for god-knows how long, for how many years, for how much. Get Help So, if this legal tip helped, please share with others, feel free to comment below I would love to hear your stories. If you have any questions about any other legal questions, please feel free to send me a message. (Transcript from the video, transcribed but not reviewed)

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Accident Injuries & why, After A Car Accident, After an Accident, Blog, Car accident, FAQ, florida cities we serve, For Parents, For Teens, Injury, Legal, Road Accidents, Scooter Accident, Strict Negligence, Teen Accidents, Why we serve

Tampa Lime and Bird Scooter Accident Attorneys

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There is a growing number of city-approved ride-sharing Bird and Lime e-scooters popping up through every major city in Florida. The major players are Bird and Lime electric scooters. You see Bird and Lime scooters at universities, downtown, major attractions, and pretty much all over the sidewalks. As it grows in rapid popularity, the stats of car accidents are not decreasing. Thus we now have more people on Bird and Lime Scooters and cars are still running crosswalks and red lights. All of which are a bad recipe for scooter operators. As a result, we also see a growing number of collisions involving Car Accidents and micro-mobility. The rules and laws are different when handling such cases. The injuries are also more substantial when these scooter riders are collided by negligent drivers. If you are injured due to the negligence of someone else our Lime Tampa scooter accident attorneys are here to help you!

Aftermath of an accident. What now?
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Accidentes de Segway

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Accidentes de Segway Cuanto más cálido es el clima, las atractivas vías de Segway son para el transporte. Con el mayor volumen de segways a medida que avanza el verano, mayores son las posibilidades de que los ciclistas sufran un accidente.   ¿Cuáles son las causas comunes de los accidentes de Segway? Los conductores no se dan cuenta de los usuarios de Segway Conductores distraídos Movimientos impredecibles por parte de los conductores negligencia Mal funcionamiento de Segway Formación inadecuada en el uso de segway   ¿Cuáles son las lesiones comunes de accidentes de Segway? Lesión de la médula espinal Daño cerebral Huesos rotos Pinchazos Lesiones traumáticas La muerte de un enamorado   Firmé una renuncia, ¿es ese el final? La mayoría de los inquilinos de Segeay le hacen firmar una renuncia larga con letra pequeña y palabras que parecen intimidantes. Todos sentimos la impresión de firmarlo para que podamos ir a la gira con todos los demás, por lo que tenemos prisa y no podemos leerlo. La buena noticia es que no todas las exenciones son siempre válidas. La valía de su renuncia depende de su situación única.   ¿A quién puedo responsabilizar después de mi accidente de Segway? La compañía tiene el deber de mantener a salvo al ciclista del Segway. Si la compañía conocía el problema que causó sus lesiones y no tomaron medidas para solucionarlo de inmediato, se las puede responsabilizar por sus lesiones. Si estaba conduciendo el Segway mientras hacía un recorrido, la compañía del recorrido también puede ser responsable por sus lesiones.   ¿Qué daños puedo recuperar? Si la negligencia de otra persona le causó una lesión por accidente de segway, puede reclamar daños compensatorios contra la parte responsable. Los daños compensatorios incluyen daños económicos y no económicos.   La reclamación por daños económicos puede incluir gastos médicos, salarios perdidos, pérdida de ingresos futuros, modificaciones en el hogar y necesidades no médicas.   Los daños no económicos incluyen dolor y sufrimiento, pérdida de consorcio, daño a la reputación, angustia emocional y pérdida de compañía.   También puede ser capaz de recuperar daños punitivos. Los daños punitivos pueden ser recuperables si la parte responsable actuó por malicia o fraude. Estos pueden incluir que la parte responsable esté bajo la influencia mientras conduce, huye de la policía y / o conducción imprudente.   ¿Cómo demostrarás mis daños? Puede pensar que esos documentos o fotografías pueden no fortalecer su caso, pero en realidad lo hacen aún más sólido. Puede ser obvio que la parte responsable causó su lesión, pero va a necesitar esas fotografías y documentos para que su caso sea aún más sólido. Algunos ejemplos que fortalecerán su caso son: Documentos medicos Cualquier imagen médica. Fotografías de la escena del accidente y sus heridas. Reporte policial Prueba de beneficios de perdida Cualquier recibo que muestre los gastos relacionados con sus lesiones.   ¿Qué debo hacer después de mi accidente? En el momento de un accidente de ciclismo puede ser estresante, pero sus acciones después del accidente son muy importantes. Vas a necesitar documentar todo con cuidado. Siga estos sencillos pasos: Llame al 911 para atención médica de emergencia. Llame al departamento de policía local para presentar un informe Obtener información de seguro y contacto de todas las partes involucradas. Tomar fotografías de la escena del accidente y lesiones. Alentar a los testigos a hablar con la policía. ¡Llámame!   ¡Permítame ayudarlo a superar el estrés de responsabilizar a otra persona por sus lesiones y hacerlo más fácil para usted!   Contacte a la Firma Reyes al 813-421-3411 Estamos aquí para usted 24/7 y tenemos la experiencia para proteger sus intereses y lograr la recuperación que merece. Llámanos hoy y, sobre todo, quédate seguro en las carreteras.

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