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Advice from Personal Injury Attorney, Ben Shell. I would like to take a minute to discuss something that I believe to be the most important provision of your automobile policy. What I’m talking about is uninsured motorist coverage or underinsured motorist coverage (UM). Uninsured and underinsured motorist coverage provides a valuable source of recovery after…
Advice from Personal Injury Attorney, Ben Shell. As most of us know, in Florida there is a law that requires all drivers and passengers to wear a seat belt. What a lot of people don’t know is how the failure to wear a seat belt could affect your personal injury claim if you have been…
Advice from Personal Injury Attorney Ben Shell. My clients often ask me if they should stop posting on social media if they have a pending injury claim. While some may not like it, the answer is a resounding YES. Why stop? I can tell you with absolute certainty that the insurance defense lawyers and the…
The new Florida Personal Injury Protection (PIP) law that went into effect in January of 2013 has been criticized for benefiting insurance companies at the expense of injured individuals. According to the new law, the amount of money paid out to an injured individual can be affected by whether or not the injury qualifies as…
The Florida legislature recently passed the “Florida Ban on Texting While Driving Law.” This new law which goes into effect on October 1, 2013, prohibits operating a motor vehicle while typing, sending, entering or reading data including text messages, e-mails, and instant messages. The stated intention for this legislation is to prevent texting related vehicle…
You may be required to attend an Independent Medical Examination (IME) under the terms of your automobile policy. In an IME, you are sent to a doctor hired by your Personal Injury Protection (PIP) carrier. The IME doctor reviews your medical records, does an examination and determines whether you still need medical treatment related to…
Uninsured/Underinsured Motorist (UM) coverage covers you when you are not at fault for a crash and the other driver does not have any liability coverage or not enough to compensate you for your personal injury and/or losses. Your UM coverage “steps in the shoes” of the other driver’s insurance company and provides additional personal injury…
Your PIP – Personal Injury Protection – coverage under your own automobile insurance polity is primary in covering your medical expenses after you have been in a wreck. It does not matter whether you were at fault for the crash or not; your own personal injury insurance covers you.
You can choose your own doctor when you have been involved in a collision and sustained a personal injury. You do not need prior authorization from your automobile insurance company. Your doctor will bill your automobile insurance company directly for services rendered to you.
