Tag Archives: accident attorney

Bankruptcy: Advantages and Alternatives

Posted on December 14, 2012 by Blick Law

With the Holidays quickly approaching, many people are becoming mindful of the expenses related to purchasing gifts for loved ones. It is important to remember, especially for those in financial hardship, to spend responsibly over the holidays; and those who are considering filing Bankruptcy it is even more important to be aware that debt accrued over the holidays may not be discharged through Bankruptcy.

Bankruptcy is a complex area of law and involves many considerations, including whether to file, determining which type of Bankruptcy to file, the use of exemptions, understanding the protections of the Bankruptcy Code and using them to your advantage.

Bankruptcy advantages and alternatives to consider:

Elimination of Debt: The main advantage to filing for bankruptcy is the discharge of most debt. The discharge totally eliminates the obligation to pay many types of debt including your credit card debt, old medical bills, utilities bills, unsecured loans, pay day loans, and most other types of unsecured debt. ***Note: Certain types of debt cannot be avoided by filing for bankruptcy including Student Loans, Child Support and Alimony Payments, Court Fines, DUI judgments against the debtor, and debts incurred by Fraud.

Avoid Creditor Harassment: Once a debtor files for bankruptcy, there is an automatic stay on the collection of debt and most creditors must terminate their collection efforts immediately. The stay is an automatic court order that prohibits all sorts of collection attempts by creditors, and postpones most actions against the debtor, including repossessions, garnishments or attachments, utility shutoffs, foreclosures, and evictions.

Get a Fresh Start: You will be able to pay the things that are important to you, and begin rebuilding your credit in peace!

Alternatives to Consider: Bankruptcy is not the only method of dealing with insurmountable debt, and other methods may be more advantageous for your particular situation. Such alternatives may include an out-of-court settlement with creditors, reduction of payments to creditors, consolidation of debts, or payment of debts by sale of assets or borrowing on assets. However, the availability of these methods varies depending on the severity of your financial difficulties, and also requires cooperation from creditors.

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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Personal Injury Protection: Reform and Important Info

Posted on December 12, 2012 by Blick Law

With the Christmas holiday approaching, a steady trend of increased traffic on Tampa roads continues to grow. This trend over the holiday leads to an increased number of automobile accidents and a greater rate of drivers sustaining injuries on crowded Florida roads. In Florida, all drivers are required to carry auto insurance to cover the cost of damages that arise after an auto accident.

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.

In 2012, the Florida legislature passed into law PIP reform which takes effect on January 1, 2013. The new law now requires that  injured persons seek medical treatment within fourteen (14) days of an accident or the injured party will be barred from using PIP coverage for valid accident related medical treatment. Additionally, the new PIP 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 bill insist that the reform will contribute to overall lower insurance premiums and provide much needed relief to Florida drivers.

Remember, it is always important to be aware of the changing laws regarding insurance coverage in order to effectively protect yourself in the event you sustain an accident related injury.

In an effort to reach out to our partners and clients, we have recently coordinated with Tampa General Hospital (TGH) to offer their over 6,500 employees discounted access to our legal services. We are proud to work in conjunction with TGH’s PerksCard Network, and look forward to providing quality legal service to all our clients.

If you or a loved one has 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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Arrested over the holiday?

Posted on December 10, 2012 by Blick Law

Over the Holidays, most people spend extra time celebrating with friends and family; but many times people get carried away in their celebrations over the holidays. An increase in arrests concentrated over the holidays usually occurs as people tend to behave irresponsibly during these festive times. Arrests for DUI, trespass, disorderly conduct, and various alcohol related offenses tend to increase over the holidays. It is important to be responsible over the holidays, but also to be aware of your rights in the event you are arrested.

When confronted by police, people often become nervous because they are unsure if they may be in violation of some ordinance or law. The difference between merely being detained by police and arrested creates different limitations to your rights. It is important to understand what you can do. Police may stop you, and it is not considered an arrest if you are just briefly detained.

A detainment occurs when an officer stops and questions a person of interest, generally for a shorter period of time, and requires less than “probable cause” to make a detainment. An officer can detain anyone if they have a “reasonable suspicion” that the person committed or was involved in any criminal activity.

In the event you are stopped for questioning, it is important to remain calm, be polite, keep your hands visible at all times, and do not attempt to flee. You do have the right to remain silent, however, it is best to identify yourself first and then notify the officer that you are exercising your right to silence.

If you are unsure of the situation, you can ask the officer why you have been detained and if you are under arrest. If at that time you are not under arrest, you have the right to leave. If the officer proceeds to arrest you, you have the right to speak to a Criminal Defense Attorney.

An arrest occurs only upon a determination of “probable cause”, this means the officer must have more than just a “suspicion”, the officer must have a “reasonable belief” that you committed a crime. Once the arrest is made, an officer can lawfully conduct a search incident to arrest of your person for weapons, evidence, and contraband. At this point, the officer can hold you in jail for up to 24 hours or until a warrant is issued for the charges.

Anytime you are stopped and arrested it is important to quickly consult a Criminal Attorney regarding your rights and advice on what you should do. If you have been arrested for a criminal offense, or even issued a citation for a traffic violation, call Blick Law Firm today at (813) 931-0840 to schedule an appointment for a free 15 minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Personal Injury: Auto Accidents Over the Holidays

Posted on December 6, 2012 by Blick Law

With the Christmas holiday approaching, a steady trend of increased traffic on Tampa roads continues to grow. This trend over the holiday leads to an increased number of automobile accidents and a greater rate of drivers sustaining injuries on crowded Florida roads. In the event you are involved in an accident, it is important to know your rights.

Parties to an accident are often times contacted by insurance companies in an attempt to get personal injury victims to settle an injury claim quickly, and for a non-negotiated amount. Before a settlement offer is even discussed, it is extremely important to first know the extent of your injuries.

Usually, the severity of damage sustained in an accident is not easily determined, and in many cases an injured party may suffer soft tissue or latent injuries that do not arise until much later. However, once a settlement agreement is made and tendered, an injured party releases their right to recovery for injuries related to that particular incident.

If you are involved in an auto accident, it is always important to first seek medical attention. After an auto accident, it is best to go immediately to the hospital or other treatment facility to determine the extent of your injuries and pinpoint the necessary steps of rehabilitation that might be required.

Secondly, an injured party should always contact an attorney for legal consultation and general information on how to proceed following an accident. In the event an insurance company contacts you regarding your injury claim, do not offer any recorded statements without first consulting with an attorney.

If you or a loved one has been in an accident and need legal advice, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer.

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Deer Vehicle Collsions

Posted on November 15, 2012 by Blick Law

Each year, automobile and motorcycle accidents are a major cause of fatalities nationwide. As a result, it is important to employ all necessary safety measures available to avoid or reduce the risk of serious injury while operating an automobile or motorcycle.

An unforeseen cause of many accidents across the country is the unfortunate encounter vehicles have with large animals crossing the street. In Florida, there are many areas that include warning signs indicating where frequent deer crossings occur. These warning signs are particularly important for motorcyclists to be aware of, as collisions with large animals are even more devastating to motorcycle riders. It is important to know that at higher speeds it is very unlikely that motorists will have adequate time to prevent collision with a crossing animal.

If you encounter a potential collision with a deer or other large animal, it is important to brake firmly, flash your high beams at the animal in an effort to break their frozen response to the oncoming lights, and honk your horns to frighten the animal away.

If you or a loved one has been injured in a collision with a large animal and need help filing a serious injury claim, call Blick Law firm today at (813) 931-0840. Schedule a free 15 minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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Distracted Driving: Texting and Driving

Posted on November 14, 2012 by Blick Law

Across the country, distracted driving continues to be a rising cause of automobile accidents and has resulted in numerous fatalities over the past decade. According to the National Highway Traffic Safety Administration, over 3,000 people were killed in distracted driving accidents in 2010 alone.

In an effort to stop texting and cell phone use behind the wheel, the U.S. Department of Transportation has encouraged states to enact tough laws prohibiting the use of cell phones while driving. Furthermore, several celebrities, media sources, and automobile companies have made efforts to raise awareness of the growing problem by reaching out to the community and promoting the dangers that can occur when driving distracted.

In 2012, the Florida Legislature adjourned again without producing a single distracted driving law. As of now, Florida is one of only 11 states without a ban on text messaging by all drivers. The trend of adopting such laws makes it appear inevitable that Florida may soon be adopting legislation that in some way prohibits the use of cell phones while driving.

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

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