Month: November 2021

PRODUCTS LIABILITY RESULTING FROM DEFECTIVE PRODUCTS

Florida law allows you to hold designers, manufacturers, suppliers, retailers, distributors, and others liable for the injuries you sustain from their products. Florida also allows family members to file a claim and collect compensation on behalf of a loved one who died in an incident caused by a defective or dangerous product. This area of law is known as Products Liability or Product Liability. It is where certain groups who make products available to the public are held responsible for the injuries and/or damages those products cause.

Defective products can range from items you would expect to be dangerous to those usually considered harmless. These items can include heavy machinery, cars, clothes, batteries, pharmaceutical drugs, firearms, elevators, and even children’s toys. The fact of the matter is that, if it is a product you can buy and a defect leads to serious consequences, liability can result.

If you have suffered personal injuries from a defective product, it can be difficult to know who is ultimately responsible. If all you did was buy a product at a store, is it your fault for buying it, is it the store’s fault for selling it or is the product’s company at fault for creating or manufacturing it? There are essentially three (3) categories of responsibility: design, manufacturing, and marketing.

Design defects occur when a product is inadequately planned in such a way as to pose unreasonable hazards to product users. The underlying basis for this theory of defect is that the product manufacturer should have adopted a design that would have reduced the risk of accidental injury. When a product has a design defect, the plaintiff or victim primarily sues because of negligence or strict liability. The negligence cause of action will allege that the manufacturer knew or should have known of the risk associated with the design.

Manufacturing defects are ones that were not intended in the design but can come along as a result of production. This kind of defect occurs when a product departs from its intended design and is more dangerous than consumers expect the product to be. These could be widespread defects or ones that only end up happening to a single product in a line of millions. Manufacturing defects include incorrectly attached parts, improperly installed electrical circuits, improperly manufactured plastic or material and incorrect bolts or fasteners, among others. If you suffered a personal injury because of an unintended missing or added part, that may be a manufacturing defect.

Marketing defects typically stem from failing to warn or explain elements of a product that are potentially dangerous. It occurs when a product has inadequate warnings or instructions regarding its proper use. The manufacturer of a product has a duty to warn its users of dangers that are not obvious. For instance, if a drug or medication does not contain a warning that it should not be taken in combination with another drug, that is a marketing defect. If you were to unknowingly take that it alongside another, you could suffer damages or personal injuries. One of the most famous cases involving a marketing defect is the “Big Tobacco” lawsuits of the 1990’s. The issue at the heart of these lawsuits was that tobacco companies knew their products were addictive and caused lung cancer, but they did nothing to disclose or warn consumers of those known risks. One of the consequences of the Big Tobacco litigation was requiring companies to put clear warning labels on cigarette cartons.

For all these types of defects, you can choose whether to file a lawsuit for yourself or for a larger community affected (i.e., class action). For instance, if you purchased a product that failed after one month of use due to a design defect, and it happened to others, you might have a case involving a class action lawsuit against the responsible business. If you won or favorably settled the lawsuit, everyone who had purchased that same product would share in the recovery of the settlement for said class. However, often, personal injury cases are personal to the individual victim who suffered the damages.

Some product defects can seem innocuous, imprudent, pointless, or frustrating, but if you are injured by them, you should contact a lawyer to discuss your rights and options. If you have been injured as the result of a defective product, CALL CASERTA & SPIRITI immediately.

An Employer or Vehicle Owner can be held liable for the Negligence of its Employees or Drivers

In Florida, an employer as well as vehicle owner is legally responsible for acts of their employees committed within the “course and scope of their employment” when the employee injures someone who is not a fellow employee and under the “permissive use” doctrine when the driver of your car injures an innocent third party. The doctrine applies only when the owner allows the driver to operate the vehicle (“permissive use”). Therefore, if your vehicle is being operated without your permission, the doctrine does not apply. For example, if your vehicle is stolen and subsequently involved in an accident, you are not liable under the doctrine. What is the Florida Dangerous Instrumentality Doctrine? Dangerous instrumentality refers to the doctrine that holds the owner of an inherently dangerous tool or vehicle responsible for any injuries or damage the tool or vehicle might cause. This legal concept is also known as vicarious liability. Vicarious liability is a form of a strict, secondary liability that arises under the common law doctrine of agency or respondeat superior, the responsibility of the superior for the acts of their subordinate 

So many different theories or doctrines to consider, which means in Florida, a person injured in a car accident is entitled to sue the at-fault driver and the owner of the at-fault driver’s vehicle personally or the company employer. Even if the at-fault driver has insurance, the injured person can still file a lawsuit for their damages against both the at-fault driver and the vehicle owner or employer.

However, as it affects an individual Floridian car owner versus a business-Whenever someone is driving your car with your permission, your car insurance will be primary. This means that if the permissive driver gets into an accident, your car insurance will cover the damage in much the same way as though you were driving it. Again, this generally only applies if you gave them permission to drive your car. This means that, provided the vehicle’s owner gave permission to drive their car and their policy does not specifically exclude said user, their insurance should cover the accident.

Because of the foregoing, when we settle with a driver who is underinsured, we request them to complete a Sworn Statement or Financial Affidavit, which asks whether they were in the course of employment or there are any other available policies of insurance at the time of the subject accident, which may provide additional coverage.

 If you have are any additional QUESTIONS regarding the foregoing matters, contact or call the Attorneys at CASERTA & SPIRITI before an unfortunate and unexpected accident occurs!!

Why Uninsured Motorist Coverage Is Important

Whether you are involved in an auto accident with a Phantom vehicle, Uninsured vehicle, unknown Hit & Run, a vehicle and driver with No Bodily Injury Liability (BI) coverage or a vehicle or driver with Not enough BI coverage, you need Uninsured Motorist (UM) coverage.

If you are forced off the road or cut off by a turning vehicle that keeps going and no impact occurs, an unknown phantom vehicle has caused your accident. A phantom vehicle is one that never hits you but causes you to take evasive action leading to a crash with property damage and/or injuries to you or to any passengers in your vehicle. When the phantom vehicle is never identified, who pays for your injuries and damages to your car?

Accidents involving phantom or unknown hit & run vehicles require prompt and careful investigation. Many times, eyewitness testimony is critical to verify the details of what you may or may not have seen yourself. These cases may even require an accident reconstruction expert to verify that what you and the witnesses say happened, reasonably occurred in that manner.

Your own automobile policy is your only opportunity for paying the medical bills incurred in said accident as well as any pain and suffering sustained in an accident caused by a phantom or unknow hit & run vehicle. One’s own No Fault or Personal Injury Protection (PIP) coverage will pay your medical bills under Florida No-Fault Automobile law. Collision coverage in your auto policy will pay for the damages to your vehicle. If you are injured, your bodily injury claim (pain, suffering, disability, lost ability to work) would need to be recovered under an Uninsured Motorist Coverage

(UM) on your automobile policy.
 
Most auto insurance policies will have a specific definition for what is a phantom vehicle under the terms of the policy. You will have to prove you were injured by a phantom vehicle that falls within the description in your policy.

The same can be said regarding accidents involving an at fault vehicle, which is uninsured as well as and an unknown Hit & Run vehicle.

A slightly different scenario exists if the responsible third party or other vehicle has the minimum coverage required by Florida law, which is PD Liability and PIP coverages. Those coverages will take care of that driver’s own medical bills (i.e., PIP) and it will take care of your Property Damages claim (i.e., damage to your vehicle that said driver caused-PD Liability).

Finally, there is the situation where you sustain significant injuries and the at fault other vehicle merely has a minimum $10,000.00 BI coverage, which is insufficient to cover your claim. If you have UM coverage, and the other party offers it policy limits, following required procedures under Florida law & under your own automobile policy, your UM becomes UIM or Underinsured Motorist coverage and can be stacked on top of the at fault party’s BI policy limits. An example would be if you have $10,000 in UM/UIM coverage, and the at fault other party has $10,000 BI coverage, you could potentially recover $20,000.00.

One cannot adequately emphasize the importance of having UM on your automobile policy. When shopping for insurance directly or through an Agent, you must clarify and itemize the coverages since the term “Full Coverage” has a different meaning among the consuming public and the insurance industry. Usually, the insurance industry says “full” to mean what is required by state law and in Florida that means only PIP & PD Liability coverages, & that’s it! You must itemize the coverages you want and inquire as to their cost. UM coverage can protect you from the multitude of drivers and vehicles on Florida’s roadways that have minimal or no insurance or are unknown phantom or hit & run vehicles.

If there are any additional QUESTIONS regarding the foregoing matters, contact or call the Attorneys at CASERTA & SPIRITI before an unfortunate and unexpected accident occurs!!

When Should You Redo or Update Your Estate Plan?

An Estate Plan should reflect your circumstances in life. Consequently, it may need to be revised from time to time. Estate Planning is the process of predicting and organizing, during a person’s life, for the management and disposal of that person’s estate during their lifetime, in the event of incapacity and after death. As for the latter aspect, it is also the process of creating or establishing a legally binding plan for what will happen to your estate, i.e., the payment of taxes and expenses as well as distributing assets such as real property, money, personal belongings, etc., after your death. An Estate Plan is customized to everyone’s particular or individual needs, circumstances, or situations. Planning can be done using wills, trusts, insurance policies and other instruments. It will change alongside changed circumstances or after significant life events.

You may need to change or update your current or prior Estate Plan after one or more of the following significant life events.

After getting married or remarried and you have someone new in your life, you will want to include or at least consider them in your Estate Plan. If you have a new spouse or a long-term partner who you want to be included in your Estate Plan, you will need to add them yourself. Make sure to do this modification sooner rather than later.

After divorcing, it may seem obvious that you would no longer want all or any of your assets to be distributed to your ex-spouse. Certain matters may be reworked by law or statute, but if you want your ex-spouse properly removed from your Estate Plan, you should actually do it and revise your plan accordingly to avoid unintentional outcomes or surviving family members having to deal with uncomfortable consequences later.

After having a child through birth, adoption, or marriage, adding a new child to your family is always a significant event. After you have added a new child, make sure to add them to your Estate Plan as well. This is especially important for blended families when adding stepchildren, if applicable.

After relocating to another state or country, one must consider that Estate Planning rules may vary from state to state and certainly in foreign countries. If you have recently moved to or from Florida, you want to work with an Estate Planning attorney experienced in that state or country to update your prior Estate Planning to be valid in your new state or country. 

After a substantial financial change, whether you win the lottery or file bankruptcy or any other significant change, it is important to change your Estate Plan after the size of your estate has been substantially altered. If you have recently had a positive financial change, then more Estate Planning opportunities may be available to you. If your finances have taken a dive, make sure to change your Estate Plan to protect your future.

If you need assistance in Florida when redoing, revising, orupdating your Estate Plan, please contact one of the attorneys of CASERTA & SPIRITI at your earliest convenience. We have many years of experience with Florida Estate Planning and can assist you in making the appropriate changes which are best suited for your current circumstances.

WHY YOU SHOULD HIRE A PERSONAL INJURY ATTORNEY FOR YOUR ACCIDENT CLAIM

The right lawyer can be key in getting the best outcome for your accident claim. If you’ve been injured in an accident, you might be wondering how a Personal Injury attorney can assist you.

In any personal injury case, your lawyer will initiate a line of communication with the insurance adjuster for the other or responsible party (or parties) involved. The adjuster has the purse, and so it is critical for a plaintiff’s lawyer to have good communications and a good relationship with the adjuster.

 If you question whether you were injured in an accident, be aware that whiplash is one of the most common injuries after a car accident. This soft-tissue neck or back injury is the result of a person’s head being violently jolted backward and forward. This can happen in less than a second in an accident, and there is no way to stop it. Whiplash is very common in front-end and rear-end collisions but can happen in any type of car accident. It can occur in high-speed or low-speed accidents and with a small amount of force. Personal injury can run the gamut from minor to severe, but all incidents of whiplash need to be treated. It may take days or weeks for symptoms to arise, so it is essential to be vigilant after an accident, even after a minor fender-bender.

What are the benefits of hiring a Personal Injury (PI) Attorney for your Accident Claim? Accident victims who are not represented by an experienced lawyer may be left vulnerable to the willful actions of insurance companies, which may try to reduce the amount they pay out.

You may sustain serious injuries from an accident, including but not limited to, disfigurement, permanent disability, and brain injury. You may need to repair or replace your vehicle as well.

If you were injured in an accident in Florida, you are entitled to compensation as a victim of the accident. An accident or Persona Injury attorney can aid you in navigating the claims process. A personal injury lawyer can help you get the best potential outcome for your particular case.

A lawyer representing you can gather evidence such as:

  • Photos of the accident scene;
  • Photos of the vehicle or property damaged and/or injuries sustained;
  • Police or Incident reports;
  • Statements by eyewitness;
  • Information from the vehicle’s event recorder;
  • Documents for medical and work purposes;
  • Electronic evidence includes cell phone records;
  • Recall information and manufacturer records, among others.

An attorney can help you gather this information and consult with other experts to build a strong case to get a settlement from insurance companies, both pre-suit and after a lawsuit is filed with the court.

Accident victims may not know their rights after an accident, and insurance companies might try to exploit this misinformation or ignorance to their advantage. They may attempt to convince you to admit fault, or to establish negligence on your part in order to minimize or dismiss your claim.

An attorney can inform victims about their rights and help them deal with adjusters without admitting guilt or saying anything that could be interpreted as incriminating.

An attorney can strengthen your case, negotiate a better result for most cases and even level the playing field against insurance companies acting in bad faith.

As already stated, hiring an attorney is crucial to getting the compensation for which you are entitled. A personal injury attorney can help you prove fault in an accident and protect you from the insurance companies.

Although any attorney in your state may be licensed to represent you in a case involving an accident, they won’t have the experience or skills necessary to properly prosecute your claim. A personal injury lawyer who is familiar with your case will be better able to help you. Personal injury lawyers are experts in handling these types of cases and can help you understand the details of your case. They can also best calculate the fair and reasonable compensation deserved in each case.

It is best to contact an accident lawyer as soon after an accident as possible, since the evidence may vanish shortly after an accident. As time passes, it is more difficult to collect the evidence and locate favorable witnesses needed to support a strong case.

There are also deadlines, notice requirements and/or statutes of limitations after which you may not sue the other responsible party or even apply for benefits from your own insurance, if applicable, if you wait too long. The statute of limitations in Florida for most negligence cases can be from 2 to 4 years from the date of accident or incident, depending on the type of case and the status of the one potentially liable for the said accident or incident.

Personal injuries that result from an accident may not manifest until days or weeks later. You may need to receive treatment for many years after an accident. These circumstances could make it very expensive if you don’t take advantage of legal assistance while you still have the opportunity.

Your time frame may be shorter if there is a wrongful-death claim. To bring a wrongful-death claim before the court, there is a two (2) year statute of limitations or deadline, with various potential exclusions and exceptions that could bar your claim earlier.

Personal injury lawyers usually work on a contingency fee basis. This basis means that they don’t get paid unless or until you recover compensation for your claims. If you’re looking to hire a lawyer for an accident, they will talk with you about their contingency fee arrangement and what they charge if they win your case plus costs.

These contingency fees typically range from 33 1/3% to 40%, however, each case is different. Costs or expenses will also be incurred. Expenses may include investigation costs, travel expenses, expert witness fees, costs for medical records and reports, court filing fees, service of process, court reporter fees for transcripts and depositions, among others.

You should search for a Personal Injury attorney who has a track record of representing accident victims when you are trying to choose an attorney. Avoid attorneys who try to take on more clients in an effort to expedite the process and settle quickly, to maximize their profits, without fully investigating your case. If the attorney is focused on too many clients, said attorney might not be able to get you a fair compensation in the settlement of your claim.

Statistically, the majority of accident cases are settled by the parties and do not go to trial. Make certain the attorney you choose is experienced in handling personal injury cases.  You can request credentials and the background of the attorney, check reviews or testimonials on-line or from word-of-mouth recommendations.

If you have any additional QUESTIONS regarding the foregoing matters, please contact or call the Attorneys at CASERTA & SPIRITI before, and especially shortly after, an unfortunate and unexpected accident occurs.