Tag Archives: blick law firm

¿Cuál es la cobertura de motorista sin seguro?

Posted on April 19, 2013 by Blick Law

Accidentes de auto pueden ser devastadoras, y muchas veces como resultado no sólo de daños a la propiedad, sino también de lesiones graves que requieren atención médica amplia y tratamiento.

Cobertura de seguro es vital para ayudar a las víctimas de accidentes de coche pagar la atención médica que necesitan y proporciona asistencia en la sustitución de la pérdida de la propiedad cuando involucrado en un grave accidente.

¿Usted sabe? Muchos conductores de la Florida operan vehículos sin ninguna cobertura de seguro de automóvil. Como protección contra motoristas no asegurados, compañías de seguros ofrecen cobertura para conductores no asegurados. Seguro cobertura de motorista (UM) prevé el pago de ciertos beneficios por daños causados por los propietarios u operadores de vehículos no asegurados que causan lesiones causados por un accidente automovilístico. Tales beneficios incluyen el pago por gastos médicos, pérdida de salarios e incluso dolor y sufrimiento.

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What is personal injury protection?

Posted on April 19, 2013 by Blick Law

Personal Injury Protection (PIP) is a mandatory coverage on Florida car insurance policies that covers medical expenses, lost wages, and other damages. The original purpose of PIP coverage was to make sure that anyone injured in an auto accident would quickly receive money to treat their injuries. In Florida, all drivers are obligated to obtain a minimum of $10,000 PIP coverage for medical bills and lost wages following an auto accident.

Due to rampant fraud and misappropriation of PIP coverage in Florida, insurance companies have lobbied to pass PIP insurance reform to limit the types of treatment available to crash victims covered by PIP, and limit the amount of coverage in order to avoid abuse and fraud.

The new PIP law, which took effect January 1, 2013, requires that persons injured in an accident must begin medical services and care within 14-days of the accident in order to be eligible for PIP benefits. The law also requires that injured persons obtain their initial medical treatment from specific medical entities. The initial treatment must be administered by the following:

  • Emergency medical services personnel
  • Hospital
  • Facility that owns or is wholly owned by a hospital
  • Medical doctor, dentist, chiropractor or osteopath.

Additionally, the new law bans the use of PIP dollars to pay for massage or acupuncture treatments and will limit the payout for non-emergency treatment of accident-related injuries to $2,500.00. A widespread concern is that accident victims with serious injuries won’t be able to get the care they need if they sustain an injury such as a whiplash or herniated disc because these injuries may not qualify as an emergency.

Nonetheless, supporters of the new law insist that the reform will contribute to overall lower insurance premiums and provide much needed relief to Florida drivers.

If you or a loved one have been a victim of an auto accident and have questions concerning your rights, call Blick Law Firm today at 813-931-0840 to schedule a free 15 minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Probate: What is a Will? … and do I need one?

Posted on April 18, 2013 by Blick Law

A Will is a legal document that provides direction for how a decedent intends to distribute their assets upon their death. Many times, people avoid considering the different options available through the probate process out of a fear of thinking about their own death.

A person without a will at the time of death is said to have died intestate. When a person dies intestate, the State will then follow the intestacy guidelines governing how to distribute intestate assets to heirs based on relation and bloodline.

Realistically, executing a Will for the disposition of one’s assets is an important part of planning the future of your estate; as it is always better to have your intentions for the disposition of your assets to be memorialized in an executed Will, rather than have the State determine the disposition of your assets. Probate is the process of identifying and gathering the assets of the deceased person, paying their debts, and distributing the assets to his or her beneficiaries.

Many considerations must be made prior to setting forth the distribution of one’s assets following their death, and often times other legal documents are more suitable for particular situations. It is important to discuss your situation with an experienced attorney, and determine what is best for you be it a Will or Trust instrument.

If you or a loved have concerns or questions about the future of your estate, call Blick Law Firm today. Schedule a free 15-minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Driving with License Suspended

Posted on April 15, 2013 by Blick Law

Everyday Florida drivers get behind the wheel unaware that their driving privilege has been suspended, cancelled, or revoked. Law enforcement officers make daily arrests for driving with a suspended license which can lead to complications when trying to reinstate your driving privilege.

In Florida, it is a criminal traffic offense if a driver operates a motor vehicle with knowledge that their driver’s license is cancelled, suspended, or revoked. The following charges may result from Driving with a Suspended License with knowledge of the suspension:

(1) First conviction is a second degree misdemeanor;

(2) Second conviction is a first degree misdemeanor;

(3) Third, or subsequent conviction, is a third degree felony and possible jail time may have to be served.

It is important to know that multiple infractions of Driving with a Suspended License can lead to very serious consequences, and drivers with repeated violations can become listed as a Habitual Traffic Offender.

The penalty of driving with your license suspended, whether you have knowledge or not, can be serious and generally lead to complications with your future driving privilege.

If you or a loved one have been arrested or issued a citation for driving with a suspended license, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer.

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Bankruptcy: Chapter 13

Posted on April 13, 2013 by Blick Law

When considering Bankruptcy, a Chapter 7 filing is a useful way to discharge of most debt and can relieve the burden of creditor collection attempts. However, many times a debtor has equity in a home or property and would like to file for Bankruptcy but not surrender their home. In these cases, a debtor can reaffirm the debt for the particular property they would like to maintain and keep making the payments, or file for Chapter 13 Bankruptcy which allows the debtor to reorganize the debt into a consolidated and more manageable payment.

Chapter 13 Bankruptcy gives the debtor an opportunity to manage their debt over a period of 3 to 5 years and still maintain the rights to both exempt and non-exempt property. This is particularly useful when the debtor has a large amount of equity in the home or property. Chapter 13 also helps by reducing payments on debts that cannot be discharged by Chapter 7, such as Student Loans; additionally, Chapter 13 helps avoid wage garnishment, delays the foreclosure process on the home, protects co-signers, and allows for an overall extension on the repayment term of most debts.

However, the decision to declare Bankruptcy also comes with consequences. The disadvantages of filing Chapter 13 include:

  • Credit reports will show a Chapter 13 Bankruptcy filing for 7 years
  • The debtor will receive high interest rates on future credit
  • The debtor will have a strict budget in place in order to ensure the reorganized debt payments
  • Legal representation fees tend to be higher, plus added court costs

If you are having trouble meeting your debt obligations, consult an experienced Tampa Bankruptcy attorney to discuss your options.

Call Blick Law Firm today at 813-931-0840. Make an appointment for a free 15 minute consultation with Michael Blickensderfer to see if Bankruptcy is right for you.

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Las Consecuencias en Conducir Debajo de la Influencia

Posted on April 12, 2013 by Blick Law

Sobre una base diaria, conductores de la Florida reciben DUI y consecuencias evidentes y ocultas de cara que pueden tener un amplio alcance personal del impacto. Cuando una persona es acusada de un DUI, las consecuencias pueden incluir:

Suspensión de la licencia

Drásticos aumentos de seguros; especialmente cuando sea necesario para obtener cobertura de seguro de FR-44

Complicaciones con el empleo; presente y futuro

Limitaciones que requieren gastos adicionales como un dispositivo de dispositivo de seguridad instalado en su vehículo por un período de 6 meses, 1 año, o incluso 2 años, dependiendo de su situación de conducción

Libertad condicional

Honorarios y costas judiciales

Estas consecuencias contribuyen a una multitud de dificultades que uno caras cuando luchando contra un cargo de DUI. Es importante comprender y apreciar la gravedad de posibles consecuencias asociadas con DUI y siempre tomar todas las medidas posibles para evitar conducir bajo la influencia.

DUI o Conducir bajo la influencia, generalmente se refiere a una persona que tiene control físico de un vehículo mientras se deterioran facultades normales de esa persona por cualquier tipo de droga, incluyendo el alcohol, drogas ilícitas e incluso de medicamento. Por lo tanto, si están bajo la influencia de drogas que no sean de alcohol y en control físico efectivo de un vehículo, usted puede todavía potencialmente cargarse con un DUI.

En Florida, un nivel de alcohol en sangre de.08 o más constituye impedimento de alcohol más allá del límite legal. Sin embargo, un oficial de policía puede todavía arrestarte por una menor concentración de alcohol de la sangre (BAC) Si sospechan que sus facultades normales se deterioran mientras conduce un vehículo de motor. Tener una BAC bajo un.08 aumentará sus posibilidades de superar la convicción de DUI, pero usted todavía puede ser arrestado y soportar varias molestias que van junto con la lucha contra el cargo de DUI.

Policías detenerse Controladores para una serie de infracciones de tránsito, incluso los menores e iniciar conversación inmediata para determinar el potencial deterioro del conductor. Evaluar los signos de deterioro, policía buscará la habilidad de mantener contacto con los ojos, trastornos del habla, el olor de alcohol en el aliento del conductor, u ojos inyectados de sangre.

Sabe que su comportamiento una vez que usted está tirado encima es ser examinada inmediatamente, especialmente cuando tiró tarde en la noche o después de salir de un bar. Por lo tanto, ser Cortés, respondiendo preguntas respetuosamente y no hacer argumentos jurídicos está en su mejor interés.

Si bien es su derecho a no responder a cualquier pregunta sin un abogado presente, no hacerlo sin duda levantará suspicacia del oficial y probablemente será investigar más a fondo. Es aconsejable contestar preguntas vagamente y evitar ahondar en detalles, incluyendo cualquier cantidad de alcohol que ha consumido o que usted acaba de dejar un partido, la barra o el juego de fútbol.

Si la policía sospecha, dirán que salga del vehículo, o es preciso. Sin embargo, usted puede negarse a someterse a las pruebas de sobriedad que llevó a cabo. Aunque creas que puede pasar a los ejercicios de sobriedad, es probable que en su mejor interés para rechazar educadamente porque el oficial determina si pasaste basado únicamente en su propio juicio. Sabe que siempre tiene el derecho a comunicarse con un abogado antes de someter a cualquier prueba.

Si usted es acusado de DUI, es importante buscar a asesoría legal inmediatamente! Llame a Blick Law Firm en 813-931-0840. Hacer una cita para una consulta gratis de 15 minutos con el abogado Michael Blickensderfer para determinar lo que sus opciones de seguir adelante.

 

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