Ask The Lawyer - Radio Show (Part 3)
May 18, 2016
I have had the same insurance agent for 15 years. I had thought I had complete coverage, but when I was struck by a motorist who did not have insurance, my insurance company said I did not have UM (uninsured motorist) coverage and I was out of luck. Am I really out of luck? And how much UM should I be carrying?
May 11, 2016
My son was a passenger in a pickup when the truck was rear ended. That person was cited for texting while driving and failure to stop for a red light. A couple of days later, my son's back began hurting and he wanted to see a doctor. When we contacted the insurance company of the at-fault driver, they said we needed to go through our insurance (my son doesn't have a car, but is covered on our policy). Is that true? Won't that cause my insurance rates to go up? It just doesn't seem fair. When I had made a couple claims on my homeowners insurance, my rates went through the roof.
May 5, 2016
My 14 year old daughter was having problems with some of her classes at school and it was recommended by the school counselor that they arrange for her to get some tutoring after classes at the school. What we didn't know is that the school hires an outside company for tutors. Well our daughter came home in tears and told us she was sexually assaulted by her tutor. We contacted the police and they arrested the tutor. Needless to say my daughter has been severely traumatized and is going to need extensive therapy and other mental health assistance. The school has been avoiding taking responsibility and we are incurring significant expenses. Can we sue the school?
April 20, 2016
I was in a truck accident off of I-75 in Fort Myers and got pretty banged up from a severe neck injury (which the doctor tells me I need to wear a neck brace for the next 6 weeks) to back injuries and a broken leg. I hired an accident attorney right away to handle my case. Because I was out of work with my injuries, I got behind on my bills and some are in collection. It got so bad that I hired a bankruptcy lawyer who recommended I file chapter 7 bankruptcy, which I did. I had told my bankruptcy lawyer I had a settlement pending. Now I have been notified that my insurance company is willing to settle for the policy maximum of $100,000. However, when I told my accident lawyer about filing chapter 7 bankruptcy, he informed me I may not be getting any of the settlement money. Is this correct?
March 30, 2016
A woman was riding on a motorcycle and the driver cut in front of another vehicle. The driver was killed and the woman is in the hospital in critical condition. The driver didn't have motorcycle insurance and her family doesn't know what to do. They are concerned that since it may be his fault and he didn't have insurance that they may be out of luck. The woman is in her late forties and this accident will likely affect her for the rest of her life. What should the family do? Someone recommended a lawyer, but they never heard of the lawyer, they don't have any money, and don't know much about the law. What should they do?
March 2, 2016
Thursday afternoon I was at a light by the mall when all of a sudden I'm rear ended. I find myself in need of help. Two days after the accident, I learned that my car is going to be totaled. Medically I suffered a concussion, my neck is stiff and swollen, my right shoulder is sprained, and I not only have torn ligaments in my left knee and ankle, but a fracture of my right leg as well. Needless to say these injuries are preventing me from returning to work. I am an independent truck driver and I am the bread winner of the family. Do I have a case? If so, can I recover more than just the medical bills? I forgot to tell you that the driver that hit me was cited at the accident.
January 13, 2016
My family recently returned to our home here in Fort Myers after spending 7 days at a beach side resort in the panhandle. It was a great time until our last evening. I decided to end our vacation by taking the family to a nice restaurant rather than ordering a pizza. I decided to shower and get myself ready. When I jumped into the shower I felt extremely hot water coming out of the shower head. Before I could turn the water off, I suffered 3rd degree burns on my face, scalp, chest, arms, and hands. This is according to the doctor who treated me in the emergency room. We did have a notice slipped under the door that morning notifying us that water was being shut off to the condo for 3 hours from 1p - 4p for some type of work…there was no mention that a water heater was being replaced or that we should be careful when using the hot water. The resort, while sympathetic, told me that there was no negligence on their part because they gave us notice that work was being down on the water and that I should have been more careful. My question is what can I do? This is more of a “he said, she said”. I only know that I have mounting medical expenses with more coming and I cannot afford to handle it all. Please give me advice.
January 6, 2016
My girlfriend was a passenger on her cousin’s motorcycle. They were hit from behind and she had to go to the hospital. She has always had full coverage on all her vehicles and didn’t realize that her cousin didn’t have motorcycle insurance. Is there anything she can do to help pay for her injuries?
December 16, 2015
A friend of mine totaled his new F150 and was not at fault. He’s ex-military so although he was hurt, he doesn’t feel he was injured very much. He loves his truck and is desperate to get it replaced and doesn’t really want to seek medical treatment for some back and neck injuries. The insurance company of the guy that hit him is offering to replace the vehicle and give him a couple thousand dollars for his injuries. I think he should talk to a lawyer because if the insurance company is offering him money for his injuries, it may be a lot worse than he thinks.
December 9, 2015
In June of 2014, my husband who is a construction worker was paralyzed from the neck down due to a work-related injury. My husband was working on a scaffolding at a high rise condo project when a transformer that he had been told by his supervisor was de-energized electrocuted him. The shock force burned 10% of his body and knocked him off of the scaffolding. He landed on concrete, snapping his spine. As a result of the accident, my husband is a quadriplegic – permanently paralyzed from the neck down. He can no longer work and will require 24-hour attendant care for the rest of his life. Just to let you know the latest, the construction company that he works for is refusing to pay lost wages and any future treatment and care. I can’t afford to do this alone, please help.
December 2, 2015
My husband who travels for a living was driving in Orlando in an area where they were doing construction on I-4. Apparently, the construction company had inadvertently dug into a drain that was underneath an off-ramp. It caused a giant hole in the off-ramp which he hit into at about 25 miles per hour. He has sustained a lot of significant injuries. I was told by a friend that I can’t sue the county or the highway department. Is that true? What about the contractor? My husband has very severe injuries as well as loss of income. Where can we turn for help?
November 25, 2015
I hope I’m not too late asking for help. My husband is 44-years-old and is a physician. He was involved in an automobile accident 26 months ago. His head hit the steering wheel and he was unconscious for less than two minutes. There were no fractures and other than a severe headache he did not seem to have suffered any brain injury. Over the course of these two years, myself and our sons have noticed a modification of his normal behavior patterns. He seemed to be restless, doesn’t sleep well, and can be aggressive and argumentative when he had not been before. He’s "not himself". It took a month of me nagging him to please get checked out by a specialist. The neuropsychologist who did a very thorough neuropsychological evaluation concluded that my husband had suffered moderate brain damage. It has been slightly more than 2 years, is it too late to go back and ask for money from the at fault driver?
November 18, 2015
A few weeks ago, I was stopped at a red light and was going to make a left hand turn. After the arrow light turned green indicating it was okay to turn left, I was suddenly hit by a driver coming through the intersection. Immediately on impact, I felt a severe pain in my left ankle and chest and was rushed to Lee Memorial Hospital. I later learned that the bones in my left ankle had been crushed and my chest severely bruised. Ultimately, I required surgery to repair my left ankle which included inserting two large screws into my ankle bone. In addition, the bruising on my chest was so severe that I had to undergo surgery for a partial mastectomy of my right breast. My bills are piling up and I have nowhere to turn, can you help? If it helps, I do have two witnesses who told the police they saw the other driver trying to speed up to beat the light. His insurance company is only offering a small amount of money which won’t even cover my medical bills. I don’t know how much insurance the other driver had. Do they have to tell me that? How can having a lawyer help with this situation?
November 11, 2015
Six months ago, my parents were driving home from a friend’s wedding when they were struck head on by a drunk driver. Both of my parents were killed instantly. My brother and I were in the car following behind and witnessed the accident. The at-fault driver only suffered a concussion, broken arm, and bruised ribs in the accident. He was cited for driving while intoxicated and has admitted to texting while driving. While no amount of money could bring our parents back, we feel that this driver should pay for the loss of our parents. Not sure if this is important, but my brother is 17 and I just turned 22 and we want to move on with our lives. Someone told me that the insurance only covers injuries, but that just doesn’t seem right. Can we hire a lawyer?
November 4, 2015
I was out biking this past Sunday in Cape Coral when I suffered a serious accident. I need your advice on what I should do next. I was riding in a bike lane when I noticed up ahead an area, roughly 4 by 6 foot, where road work had taken place. The road work was across the entire bike lane and extended another foot into the right lane of the road. The repaired area was filled in with what I now know was loosely packed black top. As soon as I came across the black top, my front tire sunk into the material, throwing me over the front handlebars. I suffered a broken collar bone, a left arm which is broken in two places, plus I will need at least three teeth implants and several caps. What I cannot seem to find out is who is responsible? I want them to pay my medical bills. I have called the city of Cape Coral and the state highway department and I seem to be getting the run around. I was told that the city contracts with a private company to do the road repair work. Can a lawyer help me get answers and get my bills paid?
October 28, 2015
My wife and I were having dinner out when she had to use the ladies’ room, which was located in the rear of the restaurant. On her way to the restroom, she walked past the set up station where they have the ice machine. While walking past, she slipped on what we now know was a wet floor. She suffered a severe injury to her lower back and neck, currently she is confined to bed because of pain when she stands up, plus she is in a neck brace supplied by the emergency room doctor. The restaurant’s insurance carrier has denied coverage, but I don’t understand why because the manager came over and said the ice machine had been leaking and they were planning on having it fixed. He also said that they would take care of everything. What happens next surprised us- the owner of the restaurant has filed for bankruptcy. Where do we turn?
October 21, 2015
I was biking with a few friends in Cape Coral when I was involved in an accident. We just made a turn onto a side street with a bike lane when I rode over a misaligned sewer grate. My front tire dropped into the slot in the grate, stopping the bike instantly and tossing me over the handle bars. I was rushed to the emergency room where I was treated for head trauma (I had a helmet on), a broken collar bone, and a torn rotator cup which will require surgery and at least 8 weeks of rehab. It turns out that the grate was running parallel to the road rather than horizontal, which is the correct way for those grates to be installed. When the city was contacted, they said they had an independent contractor who inspects and maintains the sewer system. Can I get help for my medical bills and lost wages from either city or the contractor, or both?
October 14, 2015
My husband wants us to book our travel accommodations in Europe on Air B&B. I read a recent article about a man who was sexually assaulted and held hostage in a room and was wondering if Air B&B is liable for the actions of his room providers.
October 2, 2015
The past three weeks have been a roller coaster ride and I need advice. I was traveling on a side street in Fort Myers when I was side swiped by a pick-up that had to be traveling at least twice the posted speed of 35 mph. My car was totaled and I suffered a few broken bones, but the most serious injury has been the head trauma. I hit my head on the window so hard that I was knocked out, waking up at Lee Memorial Hospital 2 days later. I found out today that the at-fault driver is uninsured. He keeps telling me that he will take care of replacing my car and all my medical expenses, but he will not put this down in writing…I think it’s time I seek legal advice.
September 25, 2015
My husband no longer drives and he is frequently using his Uber app to get around town. What type of insurance coverage are these drivers required to have?ASK THE LAWYER - RADIO SHOW (PART 1)