Choosing the Right Lawyer is No ACCIDENT- A Personal Injury Guide - By Jeff Adelman (2025 Edition)
If you are reading this, you likely have been injured as a result of a car accident or slipping or tripping on someone’s premises as a result of negligence. In the pages that follow, I will provide insight as to what you should expect from a lawyer (attorney) fighting on your behalf for personal injuries. This book is intended as a general guide if you are unfortunate to have had this happen to you. It has been with the least amount of “legalese” as possible, so you do not have to be a lawyer to understand it.
If you are reading this, you likely have been injured as a result of a car accident or slipping or tripping on someone’s premises as a result of negligence. In the pages that follow, I will provide insight as to what you should expect from a lawyer (attorney) fighting on your behalf for personal injuries. This book is intended as a general guide if you are unfortunate to have had this happen to you. It has been with the least amount of “legalese” as possible, so you do not have to be a lawyer to understand it.
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Choosing the Right Lawyer is No Accident
You are only allowed to have UM coverage if you purchase BI coverage.
For example, if you buy $50,000 in BI, then you are allowed to purchase
up to $50,000 in UM coverage.
There is a way to increase your Uninsured Motorist Coverage above your
bodily injury maximum limits. If you have more than one vehicle in your
household, you can purchase something called stacking. Stacking
coverage means that you can take the amount of vehicles in your
household and multiply the amount of coverage you currently have by
that number.
For example, by stacking, that same $50,000/$100,000 policy,
multiplied by three vehicles, turns into a $150,000 per person, $300,000
per accident policy in UM benefits. Whatever amount of uninsured
motorist coverage you have, you multiply that coverage by the number
of vehicles in your household. If you are already purchasing uninsured
motorist coverage, and you have multiple vehicles, this added protection
could be extremely helpful if you have a serious crash.
If you don’t have UM coverage right now, after you finish reading this
section, call your insurance company immediately and add it! If you
are driving on Florida roads, and you’re seriously injured by somebody
who isn’t responsible enough to have coverage for their own negligence,
you could be in some serious trouble. Medical bills are just the start.
What if you can’t go back to work if you were injured as well? Uninsured
motorist coverage is critical even if it is not required insurance in your
state.
Now let’s discuss Personal Injury Protection coverage, referred to as
“PIP.” Every driver in Florida has to have PIP. It is required in Florida,
but the vast majority of states do not require this coverage. I will explain
how it works. Let’s say you’re in an accident, you’re hit from behind
and you’re injured. PIP coverage will be your first available
compensation. That’s the first $10,000 of medical coverage to pay for
any medical treatment needed as a result of injuries from the accident. It
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Jeff Adelman, B.C.S., Esq.
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