Auto Accidents

Published on: April 28, 2023

Experienced Naples Car Accident Lawyer Can Help Properly Address Preexisting Conditions in Crash Cases

Yes, a past injury or illness can absolutely impact a Florida personal injury claim. As our Naples car accident lawyer can explain, a preexisting condition complicates the claims process because the burden is on the plaintiff to prove the injury at issue was either caused or aggravated by the negligent act.

For instance, if you’ve been seeing a chiropractor for years for back pain – and then are in a crash that you claim resulted in back injuries – it’s up to you to prove that your injuries are new or that old injury were exacerbated by the crash.

To do all this effectively requires that you’re upfront with your Naples car accident lawyer about your pre-existing conditions. It is also important that you are upfront with your medical providers about your old injuries and are able to distinguish and describe the new injuries or at a minimum explain that they have been made worse. Your attorney is then responsible to be sure the aggravation of a pre-existing condition is properly pleaded and supported in the special damages portion of the lawsuit. Special damages for the aggravation of a preexisting condition must be expressly stated in the claim and supported by the evidence. It’s not assumed.

We saw this play out in the recent case of State Farm v. Davis, decided by a panel of judges for Florida’s 5th District Court of Appeal. In this case, insurance company State Farm appealed a $500,000 verdict, which included compensation for future medical expenses and future non-economic damages, including for aggravation of a preexisting condition.

The case stemmed from a 2016 Florida car accident between the plaintiff and another driver, an uninsured/underinsured motorist accused of negligence. As such, the plaintiff filed a claim for damages with her own UM/UIM car insurance company. The insurer conceded the other driver was at-fault, but contested the causation, nature, extent, and consequences of her injuries. Basically, the insurance company didn’t believe her injuries (or not all of them) resulted from the crash or as serious as she claimed. During the discovery process, it was revealed plaintiff had been receiving chiropractic care for pain and limited movement in her neck and lower back for 14 years prior to the crash. In the previous 6 years before the car accident, the plaintiff had seen a physician nearly 50 times for neck and lower back pain – one of those just three days before the crash. The doctor who treated her would later testify that the injuries he’d been treating her for weren’t the same as the injuries she’d suffered in the crash. An orthopedic surgeon she began seeing after the crash testified that two herniated discs and joint/neck pain were a result of the crash – for which she’d need future surgeries. However, no medical testimony or other evidence was presented by the plaintiff to indicate that the car accident resulted in an aggravation of her preexisting injuries or conditions.

A Naples car accident lawyer can explain that people injured in crashes might or might not have preexisting conditions, and those might or might not be aggravated in the crash. But even if the same general part of the body that has a preexisting condition is injured in the crash, and even though this might naturally and proximately result in aggravation, it is not necessarily the case. This must be specifically alleged, pleaded, and supported. Continue reading

Published on: April 21, 2023

“Should I Sign a Florida Personal Injury Settlement Release Form?”

by Leland Garvin

It’s completely understandable – smart, actually – to be wary of signing any sort of a Florida personal injury settlement release form following a car accident. As our Cape Coral personal injury lawyers can explain, signing that release is typically required if you want to be paid the settlement amount. And settlements are how 95 percent of Florida injury lawsuits are resolved. But you absolutely should never rush into signing anything without having it first reviewed by a lawyer. This is especially true if the injuries you and/or your loved ones suffered were serious.

Understand that insurance companies are strategic in pressing people to sign Florida personal injury settlement release forms while they’re still recovering. They take advantage of the urgency and vulnerability many accident victims feel in the wake of an accident. They’re in pain, unable to work, the hospital bills are piling up, and they’re leaning on loved ones to help them manage basic household tasks/childcare/caregiving duties. In other words: They’re dealing with a lot, and could really use the money. Insurers often take that opportunity to dangle a “take-it-or-leave-it” carrot. They extend a settlement offer that can be much lower than what one is actually entitled to – hoping they’ll sign it quickly and give up the right to ask for anything more. We’ve seen far too many situations where accident victims find out too late that they unwittingly signed away their right to more money – sometimes a lot more.

Among the risks you’re running if you haven’t carefully considered all the implications of your signature on that document:

Published on: March 28, 2023

How Does Insurance Cover Cape Coral Bicycle Accident Injuries?

by Leland Garvin

Cape Coral bicycle accident injuries insurance Securing an insurance payout while recovering from Florida bicycle accident injuries isn’t always a simple matter.

Whether it’s possible at all depends a lot on the underlying facts. But in many cases, you might have several insurance claim options.

Our longtime local injury lawyers can help answer your questions about the types of crash coverage that might be available and how best to go about filing a claim.

Florida’s Ongoing Struggle to Make Biking Safer

A lot has changed in Florida in recent years. One of the things that hasn’t changed much (unfortunately) is the state’s position near the front of the pack when it comes to bike crashes.

Just recently, a 71-year-old lost his life after suffering Cape Coral bicycle accident injuries. He was struck and killed by a pickup truck driver on Country Club Boulevard. The man had been pedaling on the sidewalk when a section of it closed, forcing him to continue his journey on the outside right lane. The driver who struck him was towing a dump trailer and reportedly swerved to avoid a collision with vehicles in the left lane. Nearby residents told WINK News there was really “no way for (the bicyclist) to go anywhere else, and he was traveling with the direction of travel.”

Road design in the U.S. – particularly in the South – has long made foot and bicycle traffic an afterthought. According to the National Highway Traffic Safety Administration (NHTSA), 985 bicyclists died in U.S. road accidents last year, up 5 percent from the year before. Analysis by Smart Growth America (which releases an annual “Dangerous By Design” report on the safety of vulnerable road users) has concluded that systemic oversights with traffic engineering contribute to the high number of fatal pedestrian and bicycle accidents in Florida and beyond. Solutions like median islands, traffic signals with exclusive pedestrian & bicycle phases, giving cyclists and walkers a head start before green lights, and lowering speed limits can go a long way. Some cities have committed to adopting these measures with some success, but it’s been slow-going.

Other issues to tackle include driver distraction, visibility impairments, and drivers just generally not watching for or failing to use reasonable care around bicyclists.

Will Insurance Cover My Cape Coral Bicycle Accident Injuries?

Insurance coverage available to cover the fall out from your Florida bike crash injuries will depend on several factors (i.e., how badly you’re hurt, what you were doing at the time, where the crash occurred, who was involved, what type of vehicles were involved, who was at-fault, how much/what type of insurance each person has, etc.).

As Cape Coral injury lawyers, some of the possibilities for financial compensation following a cycling accident may include: Continue reading

Published on: December 22, 2022

Can Both Drivers Be At-Fault in a Fort Myers Car Accident?

by Leland Garvin

Fort Myers car accident lawyer Every single day, there are an average of 1,050 Florida car accidents, according to the Florida Department Highway Safety and Motor Vehicles. Almost always, the cause(s) of a crash can be traced to driver error. Common Fort Myers car accident catalysts include things like speeding, failure to yield, improper turning, following too closely, driving carelessly or recklessly, disregarding traffic signs or signals, failure to maintain proper lane, and driving while distracted or impaired.

But what if both drivers were at-fault in a crash?

As longtime Fort Myers car accident lawyers, we know it’s fairly common that both drivers shoulder some degree of responsibility for the collision. But what truly influences the dollar amount outcome in a Florida car accident case is not so much whether the injured plaintiff (the person filing the claim) shares any blame at all, but rather: How much?

This is because Florida follows a system of pure comparative negligence (referred to in F.S. 768.81 as comparative fault).

What is Pure Comparative Fault – and Why Does it Matter in Fort Myers Car Accident Cases?

Pure comparative fault means that in any negligence action – including car crash claims – the at-fault parties are only responsible to pay for their own portion of the blame. So in a two-car crash with both parties sharing some measure of fault, the damage award (legalese for financial compensation aka money) that is available to the plaintiff will be proportionally reduced by how much of the blame they share.

For example, if Driver 1 was 30 percent at-fault, Driver 2 was 70 percent at-fault, and total damages topped $100,000, the most that Driver 1 could collect as a Florida plaintiff would be $70,000. Conversely, the most Driver 2 could collect as a plaintiff would be $30,000.

“Pure comparative fault” means that even a person who is 99 percent at-fault for a Fort Myers car accident could still collect on 1 percent of their total damages from the other at-fault driver. That said, collecting only 1 percent of damages (ex: $1,000 on a $100,000 claim) isn’t a desirable outcome for any plaintiff. Skilled South Florida injury lawyers know how to make effective legal arguments to help minimize assertions of comparative fault – with the end goal of maximizing your damage award payout.

It should be noted that Florida is in the minority of states for its pure comparative fault law. Most other states with comparative fault laws impose a 50 percent or 51 percent “bar.” That means each person or entity is only financially responsible to cover their own percentage of fault. BUT if the plaintiff is 50+ percent to blame, they will be barred from collecting anything at all. Some states take it even further, holding that if a plaintiff shares just 1 percent of fault, they are barred from collecting anything at all.

So Florida is actually one of the most plaintiff-favorable states in this regard. However, that doesn’t mean your car accident case will be easy or that you should cede much ground on this issue if you can help it.

Wait – Isn’t Florida a No-Fault Car Accident State?

Published on: July 22, 2022

Navigating the Complexities of Florida Truck Accident Claims

by Leland Garvin

South Florida truck accident lawyer Large truck accidents, frequently resulting in substantial property damage, serious injuries, and fatalities, have a unique set of complicated insurance and liability issues. In fact, collecting financial damages following a Florida truck accident can be much more complicated than a basic car crash crash.

In a single recent year, the U.S. Department of Transportation reported more than 4,100 people died in large truck crashes nationally. Of those, nearly 70 percent were people in other vehicles. Another 15 percent were pedestrians, bicyclists, or motorcyclists. The number of people killed in large truck crashes rose more than 30 percent just from 2009 to 2019.

After a commercial truck accident, it’s imperative to work with an injury lawyer who has extensive experience handling these types of claims. The reality is that pursuing any claim for personal injuries can become complicated rather quickly, but crashes involving commercial vehicles are often even more complex. Continue reading

Published on: July 14, 2022

$420k Verdict Against UIM Insurer for Florida Car Accident Neck Injuries

by Leland Garvin

In late last year, a jury awarded $420,000 to a man who at 17 suffered permanent neck injuries in a South Florida car accident. The case is noteworthy for the fact that it went to trial (more than 212,000 Florida car accident injuries are reported annually, but most claims are settled long before a trial), as well as for the fact it was against the victim’s own insurance company. It illustrates the fact that just because you’re a good customer doesn’t mean your auto insurance company is going to make the claims process easy for you – especially when the stakes are high.

Specifically at issue was something called underinsured motorist (UIM) coverage.

What is Underinsured Motorist Coverage?

Published on: June 15, 2022

Prevent a Florida Car Accident With These Summer Road Trip Driving Tips

by Leland Garvin

South Florida car accident lawyer Annual road trips are a summer tradition for many families, with much flocking south to Florida for our world-renowned beaches, boating, sunshine, and theme parks. Last year alone, Florida welcomed approximately 122 million visitors – and that’s not including residents who traveled from one corner of the state to another on a “staycation.” It’s our sincere hope that every tourist and traveler enjoys a safe, fun-filled visit to the Sunshine State. However, for many reasons, summer is inextricably linked to increased odds of involvement in a Florida car accident.

The Insurance Institute of Highway Safety reports a higher accident risk throughout the country from June through August. Traffic deaths are 30 times more likely in the summer than during other seasons.

Given that summer road trips – and particularly Florida roads in the summertime – have some unique dangers, our Florida car accident attorneys are offering some insight on what those are, and tips for avoiding them.

Road Risks Specific to Summer

When it comes to summertime travel, there are a few risk factors that increase the likelihood of a crash.

Those include:

More teen drivers on the road. This isn’t Florida-specific. With more teens out of school for the summer, more are on the roads – driving to their part-time jobs, helping their families run errands, and visiting friends. AAA reports teen drivers 16-17 are three times more likely to be involved in a deadly crash compared to older drivers, and the 100 days between Memorial Day and Labor Day are among the deadliest. Teen drivers are not only inexperienced, they tend to be more easily distracted and risk-prone when it comes to speeding, racing, and other aggressive driving maneuvers. They’re also less likely to buckle up. (Check out our recent blog on the Seat Belt Defense and how it can impact your South Florida car accident case.)
Holiday binge drinking. In general, more people are out and about during the summer months. Memorial Day, Juneteenth, Father’s Day, the 4th of July, Labor Day – all of these tend to be associated with backyard cookouts, beach days, boating – and booze. Alcohol can impair judgment and increase risk-taking behaviors. The four deadliest holidays on the road are all during the summer: Memorial Day, Labor Day, Independence Day, and Father’s Day.

Road Risks Specific to Florida

In addition to the typical risks of summertime driving, there are a few areas of concern specific to drivers in Florida. Among these: Continue reading

Published on: June 2, 2022

Naples Car Accident Claims and the Permanent Injury Threshold

by Leland Garvin

Naples car accident lawyer If you are considering filing a Naples car accident claim for injury damages, it’s important to understand Florida’s permanent injury threshold.

Essentially, because Florida (for the foreseeable future) is a no-fault state when it comes to car accident injury claims, most registered vehicles must be covered by personal injury protection (PIP) insurance. This pays the insured up to $10,000 for medical bills and lost wages – regardless of who caused the crash. The only way most people injured in a crash can step outside of that no-fault system and successfully sue a negligent driver for non-economic damages like pain, suffering, mental anguish, and inconvenience is to establish injury in accordance with Florida’s serious injury threshold.

As our Southwest Florida car accident lawyers can explain, the serious injury threshold is set forth in F.S. 627.737(2) and requires proof that the crash caused:

Significant and permanent loss of an important bodily function.
Permanent injury (within a reasonable degree of medical probability).
Significant and permanent scarring or disfigurement.
Death.

These injuries must be directly related to the crash caused by the defendant.

The kinds of injuries that generally meet the criteria will be things like broken bones, traumatic brain injuries, internal organ damage, significant facial fractures and scarring, spinal cord injuries, and death. However, this is not an exhaustive list, and the insurance company does not have the final word on what is “significant” or “permanent.” Their goal is always going to be to minimize your damages and mitigate their own liability. You should always consult with an experienced injury attorney before agreeing to any insurance adjuster payout. Continue reading

Published on: May 25, 2022

Fort Myers Bike Injury Lawyer Explains Your Legal Rights After a Crash

by Leland Garvin

May is National Bike Month, promoted by the League of American Bicyclists to showcase the many health and environmental benefits of biking – and encourage more people to give it a try. Here in Florida, though, bicycling is not without risk. As a Fort Myers bike injury lawyer, I’ve worked with many cyclists (and sometimes their surviving family members) in the pursuit of compensation from careless, at-fault drivers.

Although Florida bicycle law recognizes the right of bicyclists to share the road like any other vehicle, motorists often fail to give them the same courtesy and respect as other road users. They fail to watch out for them, slow down for them, or give them the required three-foot distance when passing. Whereas bicyclists account for about 2 percent of the nation’s traffic deaths, the rate is more than double that in Florida.

Florida consistently ranks as the deadliest state in the country for bicyclists. Nearly 50,000 were injured and more than 780 were killed nationally in a single, recent year. That same year, Florida reported 125 bicycle deaths – 16 percent of the nation’s total. The Cape Coral-Fort Myers metro region has repeatedly ranked No. 1 most dangerous for cyclists.

Although coastal communities like Sanibel-Captiva are extremely popular for cyclists in South Florida, it tends to be areas in Fort Myers, Lehigh Acres, and Cape Coral – with lagging bicycle infrastructure – that see the highest bike accident and injury rates.

The most serious bicycle accidents are almost always those that involve motor vehicles. Bicyclists, like pedestrians, are vulnerable road users who face the greatest harm in these collisions – regardless of fault – simply by virtue of the size disparity and lack of protection between the person and the pavement.

Why is Florida So Dangerous for Bicyclists?

Published on: May 20, 2022

Florida Golf Cart Accident Lawsuit Alleges Car Driver Negligence

by Leland Garvin

In a somewhat recently-filed South Florida golf cart accident lawsuit, plaintiffs allege an elderly gentleman died because a reckless driver failed to use reasonable care.

As our Florida golf cart accident lawyers can explain, per F.S. 316.212, golf carts incapable of traveling more than 20 mph aren’t typically allowed to be operated on public roads – unless the roadway has a posted speed limit of 30 mph or less and is specifically designated for golf cart use. Golf carts are allowed to cross portions of a county road intersecting with a road approved for golf carts or a road that intersects a golf course or mobile home park. In any case, the roadway should have posted signs clearly indicating golf cart crossings. Operators of golf carts need not be licensed, but if they’re going to operate on a designated public roadway, they must be at least 14-years-old.

The recent case out of Delray Beach involved an 83-year-old grandfather who died in June after his golf cart was reportedly struck by a car at a crossing near a golf course. The decedent was reportedly crossing South Ocean Boulevard at an intersection with golf cart crossing signs. The Florida golf course accident lawsuit alleges the car driver was speeding, disregarded golf cart warning signs, and improperly passed another vehicle on the road before striking the cart.

According to Palm Beach Daily News, the decedent and his friend had just finished half of their first round of golf and were on their way to the other side of the course – by way of a designated crossing – when they were struck. The posted speed limit on the road is 35 mph. The police reported the defendant driver was traveling somewhere between 45-70-mph at the time of the collision. He reportedly didn’t see the golf cart before it was too late. The cart spun and then flipped. The passenger was pinned underneath, while the decedent was ejected, struck the passenger side of the car and ultimately landed on the road. He later died at the hospital, and is survived by his wife, adult children, and grandchildren.

While the Florida golf cart accident lawsuit is pending in civil court, a state prosecutor declined to press criminal charges. The assistant state attorney said that while the driver was careless behind the wheel, his actions didn’t rise to the level of a criminal offense. Police had initially sought a warrant in the case for vehicular homicide, but the state attorney has prosecutorial discretion. This, of course, underlines a key point in civil litigation, which is that the goals and proof burdens are very different than in criminal court. It isn’t necessary for someone to be charged or convicted in criminal court to prevail in a civil lawsuit. Instead, what is needed is to establish failure to use reasonable care, which is defined as the degree of caution a reasonable person would use in the same or similar circumstances. Continue reading