• Facebook
  • Youtube
  • Mail
Check out Jeffrey R Davis, PA on Yelp
Jeffrey R. Davis Law
  • Home
  • Practice Areas
    • Amusement Park Injury Lawyer Miami
    • Assaults Robberies Attacks
    • Bicycle Accidents
    • Boating Accidents
    • Car Accident Attorneys Miami FL
    • Defective Products / Products Liability
    • Dog Bites & Animal Damage
    • Food Poisoning Injuries
    • General Negligence Claims
    • Health Life Insurance
    • Hoverboard Injury Lawyer Miami
    • Insurance Claims and Denials
    • Medical Malpractice Lawyer Miami FL
    • Motorcycle Accident Lawyer Miami FL
    • Pedestrian Accident Lawyer Miami, FL
    • Personal Injury Law & Torts
    • Pharmacy Malpractice Medication Injuries
    • Premises Defects
    • Professional Negligence
    • Rollerskating, Scooter, and Skateboard Injuries
    • Slip & Fall Injuries
    • Workplace Violence
    • Wrongful Death Lawyer Miami FL
  • Why Our Firm
  • Free Case Review
  • Blog
  • In The News
  • Contact Us
  • Menu

FULL COVERAGE = FAKE NEWS!

September 27, 2018/0 Comments/in Blog /by Jeffrey R. Davis

You just bought a new car.  The salesman at the dealership tells you to call your insurance company and get “full coverage”.  You are sitting at a red light and some driver behind you, not paying attention, rear-ends your car.  The person jumps out and says, “don’t worry – I have full coverage!”  What does “full coverage” mean?  It means different things to different people.

Technically, the law in the state of Florida requires basic, minimal coverage that could be called “full coverage” since it is all that is required by Florida law.  Florida is not a mandatory bodily injury liability state.  Before we can talk about “full coverage” let’s first define the various kinds of insurance coverages that are available:

  1. Property Damage or “PD” coverage. This type of insurance pays for damage you cause to another’s person’s car.  Usually, it is a maximum of $10,000.  If a person causes a crash which results in the other vehicle being a total loss or sustaining more than $10,000 worth of damage, minimal property damage insurance as required by Florida law is insufficient and the careless driver is responsible financially for the balance.
  1. Bodily Injury liability or “BI” coverage. This insurance pays for physical injuries a careless driver causes another.  It is designed to compensate for any losses, damage or harm that another person suffers because of your bad driving.  If the person you injured suffers a permanent injury, they are entitled to seek damages for all of their provable losses which can greatly exceed most minimal policies of $10,000.  Bodily injury liability is not required under Florida law and, accordingly, even people with “full coverage” do not usually have enough bodily injury liability insurance.
  1. Uninsured Motorist coverage or “UM”. This coverage protects you, the insured in the event another person causes you harm, injury or damage and does not have their own insurance (uninsured motorist) or sufficient amounts of insurance (underinsured motorist).  In my opinion, this kind of insurance in Florida should be mandatory since most drivers do not carry sufficient bodily injury coverage.  Uninsured motorist coverage protects you against the millions of drivers in Florida that simply do not have enough insurance or any bodily injuy insurance at all.
  1. Personal Injury Protection benefits or “PIP”. Personal injury protection benefits are mandatory under Florida law.  Florida is a no-fault state which means your own insurance company pays for the first $10,000 of your medical bills at 80% and your lost wages at 60%.  This insurance is designed as a way to avoid lawsuits and litigation in small claims.  It has had the opposite effect.  It has spawned a tremendous amount of litigation and has encouraged a cottage industry of medical referral services, accident and injury clinics and lawyers that specialize in suing insurance companies for payment of personal injury protection benefits.  In my opinion, PIP has become a minefield for the uninformed consumer.  For instance, following an accident, a person must receive medical care within 14 days in order to trigger their “benefits”.  If a person waits past this time, they will have forfeited their right to PIP benefits and create all sorts of difficulties if they need medical care.  PIP has given insurance companies a unique set of rights to conduct examinations by doctors of their choice to discontinue benefits, conduct statements of their insureds under oath and has enabled insurance carriers to send out literally unlimited amounts of information requests, forms and a barrage of paperwork to make the claims process extraordinarily complicated and difficult.  The PIP  scheme is a failure and should be abolished in favor of mandatory bodily injury liability insurance.  PIP or no-fault has also created a threshold for injury which a person must meet or prove to recover damages for such things as pain & suffering, inconvenience, scarring, shame, humiliation, loss of the capacity for the enjoyment of life and other non-economic damages.  The threshold requires proof of one of four categories.  They are;
    1. Death,
    2. Loss of an important bodily function,
    3. Significant scarring,
    4. Permanent injury within a reasonable degree of medical probability.

PIP is required by Florida law and is personal to the insured and insured’s family members.  PIP travels with a person’s vehicle, meaning a claimant makes a PIP claim under their own coverage even if they are not in their car at the time of the accident.

  1. Collision coverage. This insurance pays for damage to your car if you cause a crash or your vehicle is crashed into or damaged.
  1. Comprehensive coverage. This pays an insured for damage to their car from loss such as theft, vandalism and other mishaps.
  1. Rental car coverage. This coverage pays for you to rent a car while your car is out of commission.  There is usually a set price per day and set number of days on your policy.
  1. Towing & Storage coverage. This pays for your car’s cost of towing and storage while it is awaiting an estimate for repair.
  1. GAP insurance. This insurance pays for the difference between the actual cash value of your vehicle and the amount that you owe on your loan or lease.
  1. Medical payment coverage. This coverage provides benefits for the amount not covered by PIP or coverage over and above your PIP benefits.
  1. Umbrella coverage. Umbrella coverage means that you have a policy of insurance on top of your underlying coverage which can provide for additional liability insurance or additional uninsured motorist coverage.
  1. Other coverages/exotic coverages. There are numerous insurance products which provide additional benefits such as extended PIP coverage, Replacement value coverage vs. actual cash value coverage for auto loss, contents coverage which provides for things in your vehicle, cargo coverage for things you may be transporting, rideshare coverage if you are an Uber or Lyft driver, and other kinds of insurance which are unique to specific companies.As you can see from this brief article, there is no such thing as “full coverage” since the sky is the limit as to the amount of insurance a person can carry and the types of coverage they can have on their policy.  A claim of having “full coverage” is likely fake news.  It is important that you understand the kind of automobile insurance you have to make sure that it is appropriate for you.  People with substantial assets need coverage to protect them in the event of an at-fault loss.  A wage earner without disability insurance can face financial ruin at the hands of an uninsured or underinsured motorist.  These types of protection are often inexpensive supplements to insurance policies.At Jeffrey R. Davis, P.A. we offer our clients a free insurance policy evaluation.  We will review your declarations of coverage and advise you as to the kind of coverages you carry and the availability of coverages you lack.  Please be sure to consult with our office if you have any questions regarding your insurance coverage or the insurance coverage of an at-fault motorist that has caused a crash.Jeffrey R. Davis, P.A. has been representing victims of automobile and motor-vehicle accidents since 1986 throughout the state of Florida.  Please call (305) 577-3777 for a free case review or free insurance evaluation.

ABOTA Miami And The Lawyers That Get Chosen

September 15, 2018/0 Comments/in Blog /by Jeffrey R. Davis

ABOTA is the American Board of Trial Advocates. Since 1958 this national association of experienced trial lawyers and judges have dedicated themselves to preserving and promoting the right to civil jury trials that is  set forth in the 7th Amendment of the United States Constitution. This organization was created at a time when many people were feeling dissatisfied with their court system.Courts were clogged-cases were taking too long. The Governor of California at the time was proposing a commission to hear various types of civil cases-instead of the court system. ABOTA was created to combat that and fight for a better civil justice  system.ABOTA was developed with two main goals;the protection of the right to trial by jury in civil actions and the promotion of professionalism in the civil justice system. ABOTA seeks to provide young attorneys with tools to better themselves professionally and educate citizens about the importance of the right to trial by jury.

Abota Miami strives to be like its parent organization, working tirelessly to elevate the standards of professionalism, integrity, and civility in the legal profession. Their purpose  is to provide a forum for discussion which trial lawyers can have an active voice in. They sponsor numerous educational programs for both students,teachers and attorneys to aid and improve methods of procedure for our present trial court system. ABOTA is an invitation only association.They are very selective with the individuals  they give this honor to. To be accepted into the American Board Of Trial Advocates, there are 3 levels of approval a perspective member must pass. 75 percent of the executive board of the local chapter must all say yes for you to become a member; 75 percent of the local chapter present and voting must vote yes and 75 percent of the national board present and voting must approve.. Receiving new members isn’t something ABOTA takes lightly; they want to make sure that anyone that gets accepted  into their chapter meets the high standards that they require.To be considered for ABOTA, a candidate must have tried the requisite number of trials to verdict and demonstrate a reputation for the highest ethical behavior and professionalism.The make up of ABOTA is half Plaintiff-half Defense lawyers. It’s comprised of some of the most experienced trial lawyers who have reputations for excellence, professionalism, and for serving their clients ethically while getting the best results.

Jeffrey R. Davis  was invited to join Abota Miami because of his years of experience providing personalized legal service while protecting his clients’ rights. He is proud to emphasize what ABOTA Miami is about,  which is improving the field of advocacy and helping individuals receive effective representation with the highest standards of integrity, honor, and courtesy that legal professionals have to offer.

Jeffrey R. Davis PA

Pages

  • Amusement Park Injury Lawyer Miami
  • Anesthesiologist Case May Lower Bar For Fla. Med Mal Suits
  • Assaults Robberies Attacks
  • Bicycle Accidents
  • Blog
  • Boating Accidents
  • Car Accident Attorneys Miami FL
  • Contact Us
  • Defective Products / Products Liability
  • Dog Bites & Animal Damage
  • Florida’s Medical Malpractice Pre-Suit Process
  • Food Poisoning Injuries
  • Free Case Review
  • General Negligence Claims
  • Health Life Insurance
  • Hoverboard Injury Lawyer Miami
  • In The News
  • Insurance Claims and Denials
  • Jeff Davis Attorney Home Page
  • Jeff Davis Attorney Home Page-New
  • Jeffrey R. Davis
  • Legal Statement
  • Legal Supporting Staff
  • Medical Malpractice Lawyer Miami FL
  • Miami Personal Injury Attorney
  • Motorcycle Accident Lawyer Miami FL
  • Our Firm
  • Past Cases
  • Pedestrian Accident Lawyer Miami, FL
  • Personal Injury Attorneys in Miami, FL
  • Personal Injury Law & Torts
  • Pharmacy Malpractice Medication Injuries
  • Practice Areas
  • Premises Defects
  • Privacy Statement
  • Professional Negligence
  • Review
  • Rollerskating, Scooter, and Skateboard Injuries
  • Slip & Fall Injuries
  • Technology and Exhibits
  • test
  • Testimonial
  • Thank You
  • Useful Resources
  • Workplace Violence
  • Wrongful Death Lawyer Miami FL

Categories

  • Amusement Park Injury
  • Announcements
  • Assaults, Robberies, & Attacks
  • Automobile & Motorcycle Accidents
  • Bad Faith
  • Bicycle Accident
  • Blog
  • Boating Accidents
  • Dog Bites & Animal Damage
  • General Negligence
  • Health Insurance & Life Insurance Denial
  • Legal Education
  • Medical Malpractice
  • Negligent Security
  • Negotiate Damages
  • Pedestrian Accident
  • Personal Injury
  • Premise Negligence
  • Premises Liability
  • Social Media
  • Uncategorized
  • Unfunded Pension Liability
  • Workplace Negligence
  • Workplace Violence
  • Wrongful Death

Archive

  • November 2020
  • September 2020
  • August 2020
  • June 2020
  • April 2020
  • March 2020
  • October 2019
  • June 2019
  • March 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • January 2017
  • November 2016
  • August 2016
  • May 2016
  • February 2016
  • December 2015
  • November 2015
  • October 2015
  • January 2015
  • October 2014
  • August 2014
  • July 2014
  • April 2014
  • February 2014
  • December 2013
  • September 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • January 2013
  • December 2012

Jeff Davis Law P.A.

jeffPersonal injury law is our main practice. Personal injury cases arise when the tortious action or inaction of a person or corporate entity causes harm to another individual. “Tortious” acts may be based on negligence, recklessness, intentional acts, or even strict liability in certain cases (such as abnormally dangerous activities and defective products).

Accordingly, the firm handles a wide range of cases involving accidents, medical malpractice, insurance disputes, products liability, and premises defects. For specific areas please browse our complete list of practice areas.

Recent Blogs

  • A dark money mystery in Florida state senate race – CNNPoliticsNovember 25, 2020 - 8:34 am
  • MIAMI HERALD- OPINION: CONTEMPT OF COURT BY JEFF DAVISNovember 11, 2020 - 4:17 pm
  • DAVIS LAW HIRED TO INVESTIGATE DARK MONEY IN FLORIDA POLITICSSeptember 9, 2020 - 5:04 am
  • DAVIS LAW SETTLES DIMINISHED VALUE CLAIMSeptember 2, 2020 - 12:47 pm
  • The Right to Vote!August 16, 2020 - 4:54 pm
  • COVID-19 WORKGROUP RELEASES VIDEO ABOUT THE STEPS BEING TAKEN TO PROTECT THE PUBLIC AT COURTHOUSESJune 25, 2020 - 10:36 am
  • Falling Gate Case ResolvedApril 30, 2020 - 12:47 pm

Contact Us

75 Valencia Ave
Suite 100
Coral Gables, FL 33134
Driving Directions

305-577-3777 - Call Today
We answer 24/7 Sé Habla Español

No Legal Advice Intended. This website includes general information about legal issues and law practices. Such materials are for informational purposes only and should not be considered legal advice or counsel. Information may not reflect current legal standards. For legal advice specific to your needs, contact an attorney licensed in your jurisdiction. Do not rely on any statement on this website for any reason whatsoever. Furthermore, the information contained in this website is for informational purposes only. It is not, nor is it intended to be, legal advice or representation. Your review or use of this web site, its information and links does not create an attorney-client relationship or an attorney-client privilege between this law firm and you. Statements made to this firm before the formation of an attorney-client relationship may not be privileged and confidential. Other Resources: American Bar Association | The American Lawyer | National Lawyers Association | Lawyers Without Borders | American College of Trial Lawyers | American Bar Association | National Association of Women Lawyers | Lawyers Associated Worldwide | DC Personal Injury Lawyer | Washington DC Automobile Accident Lawyer | New York Work Injury Attorney | Workers Comp Lawyers Long Island | LA Car Accident Lawyer
Privacy Statement | Legal Statement
  • Facebook
  • Youtube
  • Mail
  • Home
  • Practice Areas
    ▼
    • Amusement Park Injury Lawyer Miami
    • Assaults Robberies Attacks
    • Bicycle Accidents
    • Boating Accidents
    • Car Accident Attorneys Miami FL
    • Defective Products / Products Liability
    • Dog Bites & Animal Damage
    • Food Poisoning Injuries
    • General Negligence Claims
    • Health Life Insurance
    • Hoverboard Injury Lawyer Miami
    • Insurance Claims and Denials
    • Medical Malpractice Lawyer Miami FL
    • Motorcycle Accident Lawyer Miami FL
    • Pedestrian Accident Lawyer Miami, FL
    • Personal Injury Law & Torts
    • Pharmacy Malpractice Medication Injuries
    • Premises Defects
    • Professional Negligence
    • Rollerskating, Scooter, and Skateboard Injuries
    • Slip & Fall Injuries
    • Workplace Violence
    • Wrongful Death Lawyer Miami FL
  • Why Our Firm
  • Free Case Review
  • Blog
  • In The News
  • Contact Us
Scroll to top