At the Babiarz Law Firm, P.A., we strive to provide exceptional client service from the inception of your claim to its conclusion. We handle a variety of cases including automobile crashes, golf cart crashes, motorcycle crashes, wrongful death, large truck cases, traumatic brain injuries, slip/trip and fall cases, and insurance claim litigation.
We strongly believe that if you are injured as a result of a negligent act you deserve representation from a lawyer experienced in those types of cases. If you are seeking representation, it is important that you consult with an attorney as soon as possible after your incident occurs, so that you are aware of your rights and so we can begin our investigation quickly while the physical evidence is still available. A typical investigation would include examining and photographing the physical evidence of the scene of the crash, and contacting and interviewing witnesses, as quickly as possible. A thorough investigation also includes contacting and investigating all potentially responsible parties and their respective insurance companies to ensure that your claim can be submitted in a timely manner, entitling you to full recovery.
The Babiarz Law Firm litigation team strives to provide excellent service to our clients, which is reflected in our experienced staff. Our team includes paralegals/legal assistants and an investigator who collectively have many years of experience working for insurance companies, defense law firms, and working on behalf of injured parties. Additionally, Tim Babiarz has over 17 years of experience in personal injury and wrongful death cases. Please contact our office to discuss your case with one of our highly qualified team members. We are here to serve you.
What You Can Do
We understand the emotions that are involved when you or someone you love has been injured. Even though that emotion can seem paralyzing in the days after a traumatic event, it is important that you receive the care and attention you need so you can receive proper treatment for your injuries and have an experienced team on your side. First and foremost, it is imperative that your incident be reported to all insurance companies involved. If you were involved in an automobile crash you should report the crash to your insurance company immediately. A timely reporting of your crash to your insurance company is evidence of your cooperation with their investigation and is generally required by the typical automobile insurance policy. More importantly, if you are injured in a motor vehicle crash, prompt contact will establish a Personal Injury Protection (PIP) or no-fault insurance claim, which pays 80% of your medical expenses and 60% of your lost wages, and other non-medical expenses up to $10,000.00.
If you are involved in an incident that does not involve a motor vehicle, you should attempt to identify the proper insurance company and report the incident to them immediately. In a premises liability incident, it is best to report your incident to management of the business where the incident occurs immediately. In all likelihood, an insurance representative will contact you directly to discuss the facts of the incident once they have received notice from management.
In both cases, the insurance company will likely ask you details of what happened and request a recorded statement. You are required to cooperate with your own insurance company, but you are in no way required to provide an insurance company representing the at-fault party with a recorded statement. Insurance companies try to gather details of the incident so they can investigate and begin to build a potential defense against your claim, if one is available. Some insurance companies are more persistent than others, but at no time should you be made to feel uncomfortable or forced to provide information by an at-fault insurance company. Hiring a law firm experienced in the field of personal injury can put professionals on your side who will deal directly with the insurance companies on your behalf.
In the State of Florida, the Personal Injury Protection (PIP) or No-Fault Insurance law requires that Florida motor vehicle owners to purchase Personal Injury Protection (PIP) which includes property damage liability coverage. PIP coverage protects you and resident relatives for injuries incurred as a result of an automobile crash, regardless of whose vehicle you are in, at the time of the crash. It can also apply if you are struck by a motor vehicle while you are a pedestrian. PIP coverage only pays 80% of your medical expenses and 60% of your lost wages, and other non-medical expenses up to $10,000.00. Property damage liability of $10,000 generally covers damage to the other vehicle if you, the insured, are negligent in an automobile crash. As such, we always recommend that you have adequate coverage on your own policy to protect your interests and those of your loved ones.
In all too many traffic crashes in Florida, the at-fault party has no Bodily Injury Liability coverage available or no insurance whatsoever. That is why we strongly recommend the purchase of Bodily Injury Liability coverage to protect you if you are negligent in a crash and the purchase of Uninsured/Underinsured Motorist (UM) coverage which protects you and your resident relatives if you are in a crash and the at-fault party has no bodily injury liability coverage or inadequate liability insurance coverage. To purchase the Uninsured/Underinsured Motorist coverage to protect yourself, you must purchase Bodily Injury Liability coverage at an amount greater than or equal to the Uninsured/Underinsured Motorist coverage limits. Due to the minimal requirements for insurance in Florida -- where the law only requires $10,000 in Personal Injury Protection coverage -- it is critical to make sure you are protecting yourself in case you are involved in a crash that is not your fault. If you have further questions regarding your insurance coverage we advise you to contact your insurance company and/or your insurance agent to make sure you have adequate uninsured/underinsured motorist coverage.
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