In Florida-Who Has the Right of Way?

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In Florida, who has the right of way?  The answer is no one!  Florida has no law explicitly granting the right of way.  The law only says who must yield (give up) the right-of-way.  Every driver, motorcyclist, moped rider, bicyclist, and pedestrian must do everything possible to avoid a crash.  The goal is to always encourage defensive driving.

For example, Florida Statute 316.121 states in pertinent part that “the driver of a vehicle approaching an intersection shall yield the right-of-way to a vehicle which has entered the intersection from a different highway.”  Also, “when two vehicles enter an intersection from different highways at the same time the driver of the vehicle on the left shall yield the right-of-way to the vehicle on the right.”   There are other examples.  Again, note how the law only indicates the person who must yield.

Pursuant to Florida Statute 316.122, “The driver of a vehicle intending to turn to the left within an intersection or into an alley, private road, or driveway shall yield the right-of-way to any vehicle approaching from the opposite direction, or vehicles lawfully passing on the left of the turning vehicle, which is within the intersection or so close thereto as to constitute an immediate hazard.” 

Another example is Florida Statute 316.123, which relates to vehicles entering stop or yield intersections. “After having stopped, the driver shall yield the right-of-way to any vehicle which has entered the intersection from another highway, or which is approaching so closely on said highway as to constitute an immediate hazard…”  Also, “at a four-way stop intersection, the driver of the first vehicle to stop at the intersection shall be the first to proceed.  If two or more vehicles reach the four-way stop intersection at the same time, the driver of the vehicle on the left shall yield the right-of-way to the vehicle on the right.”  Further,” the driver of a vehicle approaching a yield sign shall, in obedience to such sign, slow down to a speed reasonable for the existing conditions.”  Again, there are other examples.  Please read the full statute and the Official Florida Driver License Handbook.

According to Florida Statute 316.125, “The driver of a vehicle about to enter or cross a highway from an alley, building, private road or driveway shall yield the right-of-way to all vehicles approaching on the highway to be entered which are so close thereto as to constitute an immediate hazard.”  And, “The driver of a vehicle emerging from an alley, building, private road or driveway within a business or residence district shall stop the vehicle immediately prior to driving onto a sidewalk or onto the sidewalk area extending across the alley, building entrance, road or driveway, or in the event there is no sidewalk area, shall stop at the point nearest the street to be entered where the driver has a view of approaching traffic thereon and shall yield to all vehicles and pedestrians which are so close thereto as to constitute an immediate hazard.”

In line with Florida Statute 316.126, if an emergency vehicle (police car, ambulance, fire truck, etc.) is approaching with sirens or lights on, you must get out of the way.  Motor vehicles, bicycles, and pedestrians all must yield the right of way to emergency vehicles.  One should pull their vehicle over to the nearest curb and wait there until the emergency vehicle has passed. If someone is passing a stopped emergency vehicle, they must move over so that there is an empty lane between their motor vehicle and the emergency vehicles or reduce their speed to 20 mph below the speed limit. Furthermore, emergency vehicle drivers are subject to traffic infractions as everyone else and must drive safely.

Consequently, remember, the operative word is “yield” when you are in a situation where you are unclear about right of way.  Patience and defensive driving are always the correct answer.

REAL PROPERTY OWNERSHIP & INJURY LIABILITY IN FLORIDA

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Usually, the person or business who owns the real property and the individual or business occupying it will both owe a duty of care to those who enter the premises. If someone is injured while visiting the property, one or both parties may be responsible depending on the circumstances of said accident.

This is called Premises Liability.  A premises liability lawsuit can hold a property owner or occupier and/or possibly others responsible for any injuries and/or damages arising out of an accident or incident occurring on said premises. In all states, owners that occupy a property must make a reasonable effort to maintain a safe environment for visitors to it.

The basic Duty of Care is essentially where a person who owns, leases, occupies, or controls property is negligent if he or she fails to use reasonable care to keep the property in a reasonably safe condition.

Generally, the law holds each person responsible for the consequences of his or her own actions – if your intentional or negligent conduct results in injuries to another person, you may be held civilly liable for the reasonable monetary value of any damages proximately caused by your actions.

Just as an auto accident, there are a few factors that must be present for someone to be considered negligent in the case of a slip and fall accident. If someone is injured on your property, the law does not automatically regard you as responsible, or that you must compensate them.

Under Florida Statute 768.075, a Florida homeowner or property owner cannot be held liable for any injuries or deaths sustained on their real property by a trespasser IF the trespasser was under the influence of alcohol or some other mind-altering substance, etc.

As a rule, property owners are not liable for injuries suffered by trespassers.  However, in any personal injury lawsuit by a trespasser against a property owner, the court will essentially say, that property owners are not usually liable for injuries to trespassers, so an injured party must prove why their case is different regarding circumstances or exceptions, etc.

In general, no liability is incurred since an individual, who is breaking the law by trespassing, waives their right to sue for injury or damages by doing so. However, there are some exceptions that allow certain trespassers to collect compensation if they are injured on an unsafe premises.

Minors or children my be a different matter. If the trespasser is a child, the “attractive nuisance doctrine” may come into play.  This exception protects minor children who are injured on unsafe real property. It is based on the understanding that children can be easily attracted to some unappreciated danger (attracting or enticing a child’s curiosity, such as a pool), or that they can wander into an unsafe situation regardless of the adequacy of warnings. Children are not classified or considered the same as an adult trespasser.  Real property owners or occupiers who do not safely maintain their home or business premises and cause harm to a child can be held responsible.

By and large, property owners cannot use deadly force to protect property.  Although, property owners may be able to shoot at trespassers in self-defense if they fear great bodily harm or death. BE WARNED, however, shooting at a trespasser is always a legal crapshoot.

An owner can also be held liable if he or she rents out a property in a dangerous condition without warning the tenant. In that case, even if the tenant is in total control of the property, any injuries stemming from the previously existing dangerous condition will be the owner’s responsibility.

In most cases, you cannot lose your house in a lawsuit in Florida. The most important and well-known exemption from creditors is the homestead exemption of real property. Your home is protected from creditors in Florida, subject to acreage limitations. There is no monetary limit on the homestead exemption in this regard.

Article X, Section 4 of the Florida Constitution exempts homestead property from levy and execution by most judgment creditors. It means that a creditor cannot place a lien against or force the sale of your homestead to satisfy an obligation or monetary judgment.

Insurance is necessary to protect property owners/occupiers against such liabilities like auto insurance.

Every homeowner’s insurance policy is different, but most slip and fall accidents, for example, will be covered, except where the homeowner acted intentionally to cause the slip and fall. Most homeowner’s policies have two types of coverage, i.e., liability coverage and no-fault medical coverage.

Commercial general liability (CGL) is a type of insurance policy that provides coverage to a business for bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s premises.

Again, under Florida law, the owner of a property, or tenant such as a shop owner, is responsible for maintaining a premises or property in a reasonable condition free of hazards. A failure to do so may create liability if an injury results to a visitor from negligent maintenance.

Premises liability claims are about unsafe conditions on someone’s real property. Personal liability is about someone’s own actions and/or vicarious liability, including respondeat superior, which means a principal is liability or responsible for the acts of their agents or others. When respondeat superior applies, an employer will be liable for an employee’s negligent actions or omissions that occur during the course and scope of the employee’s employment.

The duty of a Florida property owner applies to for-profit companies and nonprofits. Homeowners may be liable. The federal, state, or local governments may also be liable. Governments should protect people who visit courthouses and other public places, among others. Maintenance and repair crews may also be liable if they failed to protect the public.

In the state of Florida, the statute of limitations or deadline for a negligence, accident, or premises liability case is four years from the date of accident, incident, or injury where you must present a claim and file a lawsuit in the appropriate court of the state of Florida or be forever barred from obtaining a recovery.

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 or before any deadlines are missed after an accident occurs!!

Real Property Ownership in Florida and Estate Planning

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Florida law recognizes three basic types of joint ownership. Two are joint tenancy and tenancy by the entireties, which also has what is called a “right of survivorship.”  The term means that, when one co-owner dies, the surviving owner automatically receives full, undivided ownership of the property. By definition, a co-owner who holds a partial interest in a tenancy by the entireties or joint tenancy with right of survivorship cannot transfer that interest to heirs through probate since the interest never becomes a part of the probate estate. Further, with a joint tenancy or tenancy by the entireties, the joint interests must be equal. The third type of ownership is the one without a right of survivorship and that can be transferred by way of probate. It is called tenancy in common. Instead of owning a property together, tenants in common each own a percentage interest that can be transferred. Florida law assumes a 50/50 split, but the percentages can be different if the owners decide otherwise. Consequently, a tenancy in common and Florida estate planning strategies can be utilized for various purposes when a right of survivorship is not the goal or outcome.

If an asset is owned by more than two co-owners, title is usually held as tenants in common, with each owner owning their respective percentages. On the other hand, tenancy by the entireties is reserved for married spouses only, and therefore by definition it is limited to only two owners. A joint tenancy, however, can include three or more joint owners. The result is that, when a co-owner dies, his or her interest merges with the interest of the remaining or surviving owners. For example, a joint tenancy with three owners, and one dies, there are now tow owners with a joint tenancy. The process continues until only one surviving owner remains. The last or final living owner thereby holds a complete and undivided title to the said property.

For purposes of understanding a Florida tenancy in common and estate planning, it merits saying that, although real estate is the most common example when discussing joint ownership formats, other types of assets can be jointly held as well. In the state of Florida, personal property, financial accounts, and many other types of assets be owned jointly as tenants in common, joint tenants with right of survivorship, or tenants by the entireties.

Also, in Florida, a tenancy in common ownership is presumed the default form of co-ownership. If a deed with more than one owner does not specifically state that the owners are tenants by the entireties or joint tenants with a right of survivorship, said owners are presumed to be tenants in common. Tenancy in common can also be created through the “destruction” of one of the other two types of co-ownership. Joint tenancies are destroyed if a creditor attaches the subject property in Florida or if one of the co-owners transfers an interest.  In fact, transfer of an interest destroys a joint tenancy even if the transfer is from one owner to another.

Tenancy by the entireties in Florida is reserved exclusively for a married couple, therefore, it can be destroyed by divorce.  If former tenants by the entireties are no longer married, they become tenants in common, with each having a 50% ownership interest unless a marital property settlement agreement states otherwise.

Joint tenancy with right of survivorship as well as tenancy by the entireties automatically convey ownership interests outside of probate thereby avoiding some of the time and expense related to probate administration in the courts.

Usually, a tenancy in common property interest is the only type of the joint interest types that goes through probate and can be transferred by way of provisions in a Last Will and Testament or through intestate succession (if there is no Will) following Florida law. As a result, if you own a 50% share of a property as tenants in common with another, you can bequeath or devise that 50% share to whomever you direct in your Last Will and Testament (Will), or it can go to your next of kin by way of Florida law if you have no Will. After the probate estate is administered, the designated beneficiary or heir or whatever number of them will then own a 50% interest or share (singularly or aggregately) in the property alongside your surviving co-owner as tenants in common.

Avoiding probate quite often appears to be a popular objective by many in estate planning. However, it is not the only goal. The use of a tenancy in common for Florida estate planning gives one more control over where your joint ownership interest eventually winds up. If you have a joint tenancy with right of survivorship and you die first, your co-owner now holds complete and undivided title to the property. Your beneficiaries or heirs do not receive an interest in it. On the contrary, a tenancy in common allows you leave your half of the Florida property to whomever you desire, including to the co-owner, if that’s what you wish to do.

Florida’s co-ownership options or alternatives allow for a few estate planning possibilities regarding conveying or transferring real estate or other property, while also raising various potential complications. All these can be addressed in more detail in a future article.

If you need assistance in Florida when doing, 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 selections or changes which are best suited for your circumstances.

PRODUCTS LIABILITY RESULTING FROM DEFECTIVE PRODUCTS

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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

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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

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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?

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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

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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.

What is a Fiduciary in Florida?

Posted by David Olsen on

As far as Estate Planning and the Probate context, if you have been named to manage money or property for someone else, as an Agent under some type of Power of Attorney or as a Personal Representative or Executor under a Will or as a Trustee of a Trust, you are a fiduciary. The law requires you to manage the money and property of your principal, deceased testator, or trustor for their or the beneficiaries’ benefit, not yours.  Specifically, a fiduciary duty is a duty to act in the interest of another individual with respect to certain transactions, even above one’s own interest. A fiduciary is obligated to act in good faith and to act with care and loyalty toward those to whom they owe fiduciary duties. Fiduciaries are those who volunteer to perform certain duties or tasks for another.  It is voluntary since no one can be forced to serve others or be a fiduciary.  Even if named, listed, or nominated under a Will, power of attorney, etc., one does NOT have to serve.  If you don’t want to serve as such, then you can decline.  Fiduciaries are entitled to reasonable compensation and reimbursement of costs expended unless the document states otherwise.

A breach of fiduciary duty occurs when an agent, etc., fails to act responsibly in the best interests of a principal or beneficiary.

Usually, a breach of a fiduciary duty is classified as an intentional tort. As such, only civil claims can be brought under this cause of action. Depending on the grievances or violations committed, such a fiduciary may also be subject to criminal charges because of their breach.

It does not matter if you are managing a significant sum of money or a small amount.  It does not matter if you are a family member or not.  The role of a fiduciary carries legal responsibilities.  When you act as a fiduciary, there are at least four basic duties that you must keep in mind:

            1. Act only in your principal’s or beneficiary’s best interests;

            2. Manage money, assets, and property carefully;

            3. Keep the subject money, assets and property separate from yours; and

            4. Keep good records.

However, even if there is a loss, if the fiduciary acted prudently, he or she may not have breached their duty.

As a fiduciary, you must be trustworthy, honest, and act in good faith. If you do not meet these standards, you could be removed as a fiduciary, sued, or must repay money. It is even possible that law enforcement could investigate you, and you might face criminal sanctions.

COSEQUENTLY, if you are to become a fiduciary as stated above or are in fact one, it is paramount to realize and acknowledge that it’s not your money, property, or assets, and you must act in the best interests of others!  If you have any questions regarding a fiduciary’s duties, please call the law office of CASERTA & SPIRITI to discuss your situation and concerns about ensuring that the fiduciary understands and has the tools to fulfill or comply with the obligations as such.

Accidents While Traveling in Florida-Claims by Tourists or Residents

Posted by David Olsen on

Accidents that occur either while residing, traveling or vacationing in Florida can lead to serious injuries. In addition to auto crashes, bicycle or motorcycle or scooter accidents and boating incidents, tourists’ and/or residents’ injuries can result from negligence arising from premises related as well as other causes:

  • Swimming pool accidents.
  • Amusement Park accidents.
  • Hotel/motel/Airbnb injuries.
  • Parasailing/parakiting/bungee jumping/hang gliding/skydiving injuries.
  • Festival and concert injuries.
  • Trade show and convention injuries.
  • Sexual assaults and other violent or criminal attacks as well as Negligent Security.

There are a few things that can and should be done, if able, immediately after an incident to preserve evidence and improve the possibility of recovering full financial compensation for losses sustained. These include, but are not limited to:

  • Seeking immediate medical attention(i.e., ambulance/rescue, hospital/urgent care, doctor).
  • Reporting the incident to local police and/or premises owner/operator/manager.
  • Documenting the scene with photos/videos and/or obtaining surveillance videos.
  • Collecting/gathering witness information (names, phone or cell numbers and addresses of people who saw the incident).
  • Contacting an Attorney and seeking legal representation.

Before visiting or traveling through Florida, 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!!