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Fiol Law Group Blog

What Is Florida’s 14-Day Rule in PIP?

On Behalf of Fiol Law Group|Posted in Car Accidents on April 23, 2018

It can be difficult to navigate Florida’s “no-fault” auto insurance laws. One issue that often arises after a collision is Florida’s 14-day rule in personal injury protection (PIP) insurance. It’s very important to understand the 14-day rule as a crash victim. Otherwise, you could face major hurdles in trying to secure benefits – or lose your right to compensation entirely. Here’s a breakdown of how the personal injury protection rule works. What Is the 14-Day Rule? You must obtain medical care within 14 days if you suffer injuries in a traffic accident in Florida, or else run the risk of your insurance company denying your claim. Florida Statute 627.736, the no-fault insurance law, is the law that requires medical attention within 14 days. Subsection 1a states that an insurance policy must cover at least 80% of a victim’s medically necessary care as long as the individual receives the initial medical… read more

What is Florida’s No-Fault Insurance or PIP?

On Behalf of Fiol Law Group|Posted in Car Accidents on February 13, 2018

Florida’s no-fault insurance applies to every car accident across the state, and an attorney who understands these complex laws will be your best ally. This law requires everyone to have their own no-fault insurance so they can cover themselves, no matter who was at fault in the accident. It is also known as personal injury protection, or PIP. PIP also applies to pedestrians and cyclists injured by vehicles and children injured on school buses. The no-fault insurance is a $10,000 insurance policy that the law forces you to have. Its purpose is to pay the medical bills or lost wages a victim may suffer after accident. If, at any point, you get in an accident, no matter who is at fault, you may receive up to $10,000 – depending on the circumstances. After an accident, all people involved deal with their own their own insurance companies. One of the technicalities… read more

Do Accident Risks Increase During Winter Months?

On Behalf of Fiol Law Group|Posted in Uncategorized on January 26, 2018

Florida is experiencing one of its coldest winters on record, with the first snowfall south of the Panhandle in years. Plummeting temperatures and resultant precipitation are exposing many Floridians to hazards they don’t typically have to worry about. It’s not a myth that more injuries tend to happen in winter compared to summer. There are personal injury risks unique to the winter months, such as icy conditions on the roadway, slippery parking lots, prolonged exposure to cold weather. Here are few accidents you might only see during Florida’s coldest winters. Ice and Snow It’s no secret that Florida drivers aren’t used to driving on icy roads. Unlike northern states that experience snowfall most winters, Florida only gets wintery precipitation once in a blue moon. This means inexperienced drivers and vehicles that aren’t prepared to navigate snow and ice. If you must drive on winter’s worst days, use these safety tips:… read more

How to Avoid Drunk Driving Accidents During the Holidays

On Behalf of Fiol Law Group|Posted in Personal Injury,Safety,Uncategorized on December 18, 2017

Celebrating the holidays is all fun and games until someone gets behind the wheel intoxicated. Christmas and New Year’s are two of the most dangerous days of the year on the roadways due to drunk driving. In 2015, 10,265 people died in drunk driving crashes throughout the U.S. Even if drunk driving accidents don’t end in death, they can cause catastrophic and life-changing injuries. No one wants to spend the holidays in the hospital. Use these tips to drive safely around the holidays in Tampa Bay. Plan Ahead It can be too easy to find yourself at a holiday party sipping a complimentary drink you didn’t plan on having. If there is any chance you will be drinking on an occasion, plan ahead to get a ride with a designated driver or rideshare service. Choose someone in your group of friends who will not consume any alcohol. If you can’t… read more

Drunk Driving: Facts, Consequences and Prevention [Infographic]

On Behalf of Fiol Law Group|Posted in Car Accidents,Personal Injury,Safety,Uncategorized on December 4, 2017

The Truth About Drunk Driving Every day, approximately 28 people die from some involvement in a drunk-driving accident in the United States – that’s over 10,000 deaths caused by alcohol-related deaths per year! Often times the victims of those accidents are not the drivers, but are passengers, children, pedestrians or other innocent bystanders. Drunk driving can have many different effects on all parties involved. Let’s take a look at some of the other shocking statistics about drunk driving. Drunk Driving Facts The Consequences of Drunk Driving As seen in the infographic above, drunk driving can cause pain and suffering, monetary damages, serious injuries, and sometimes even death. When you decide to drink and drive, you are giving up your ability to think and act responsibly. Drunk driving can have legal, financial, personal and professional repercussions in the future. Some of those consequences include: Suspension of drivers license (0-12 months) or… read more

NEW STUDY: Most Dangerous School Zones in Florida

On Behalf of Fiol Law Group|Posted in Safety on November 27, 2017

Update:   Do to a geocoding error, a previous version of this study described the zones as 500 feet within a school.  In actuality, our data reflected 3520 foot zones around each school, or 2/3 of a mile.  While this is a much larger area than previously described, it is still well within the normal school commute and our message of safety in school zones does not change. We have updated our rankings accordingly.  – 1Point21 Interactive Staff In 2016, 68 percent of all crashes in Florida occurred within 2/3 of a mile of a school – a total of 270,704 motor vehicle collisions. Simply put, children and teenagers are exposed to a significant number of car crashes in Florida as they walk, bike, ride, or drive to school. With the help of data visualization firm 1Point21 Interactive, we analyzed collision data from the Florida Department of Highway Safety and Motor… read more

3 Safety Tips For the Holiday Season

On Behalf of Fiol Law Group|Posted in Personal Injury,Safety on November 21, 2017

As the holidays approach, make a choice now to practice safety to ensure you and yours can enjoy the festivities and make memories you want to look back on for years to come. Here are 3 holiday safety tips you can practice to keep you and your family and friends safe: 1. Decorate Smartly People dig out decorations every fall in preparation for Halloween, Thanksgiving, and Christmas to fill their towns with the holiday spirit. Sometimes, people take risks to set up the seasonal display to remember and have accidents from falls that send them to the hospital for the wrong kind of memorable experience. Be smart and check all of your equipment before you use it. Secure your ladder to the structure and have someone act as an anchor and safety buddy. Do not set foot on your roof in inclement weather or if it is covered in snow… read more

Top 5 Most Common Halloween Injuries and How to Prevent Them

On Behalf of Fiol Law Group|Posted in Personal Injury,Safety,Uncategorized on October 13, 2017

Halloween is one of the most exciting times of the year. Adults and children alike enjoy dressing up and celebrating the season. Whether your Halloween plans have you trick or treating, passing out candy, or attending an adult party, injuries can and do happen each year. Learn the most common Halloween injuries and how you can prevent them. 1. Traffic Accidents It should come as no surprise that kids walking through the streets and adults going to Halloween parties can lead to disaster. On this night, there is an increased risk for pedestrian accidents and drunk driving collisions. Parents, make sure your children keep to the sidewalks and avoid dangerous intersections. Only allow your children to go trick or treating solo if they’re mature enough to understand these rules. Give your children flashlights and consider adding reflective tape to their costumes so they’re more visible in the dark. If you’re… read more

5 Tips To Prepare For a Natural Disaster

On Behalf of Fiol Law Group|Posted in Uncategorized on October 13, 2017

Florida is currently in the throes of hurricane season. We’ve already weathered Irma, and the National Oceanic and Atmospheric Administration (NOAA) predicts that this will be one of the most active hurricane seasons in recent history. You might consider yourself a hurricane preparation pro, but it’s nice to a have a refresher about natural disaster safety and preparedness. Avoid property damage, serious injuries, and other life-threatening situations by observing these tips: 1. Use National Resources No matter the disaster, Ready.gov is your one-stop shop for preparedness. Here, you’ll find specific advice for emergencies like hurricanes, floods, fires, and more. You’ll also find tutorials for making a family emergency action plan, creating a contingency plan for pets, and preparing your business for natural disasters and other emergencies. The site also has external links to other valuable resources, like: The Federal Emergency Management Agency’s FEMA mobile app, which allows you to access weather,… read more

What Are Your Legal Options After a Construction Accident?

On Behalf of Fiol Law Group|Posted in Uncategorized on October 13, 2017

If you recently sustained an injury on a construction site, you may be feeling overwhelmed. An injury will keep you from your livelihood, so you may be worried about lost wages as your wounds heal. Fortunately, Florida law provides recourse for injured construction workers. Here is a basic review of your legal options following a Florida construction accident: File a Workers’ Compensation Claim For most workers, the first line of defense is a workers’ compensation claim. Florida law requires all employers carry workers’ compensation insurance to cover injuries their employees may suffer on the job. To collect your benefits, follow a few simple steps: 1.  Report your injury as soon as possible While you have up to 30 days to report the incident to your supervisor, it’s best to let him or her know as soon as you experience symptoms. Waiting to file for benefits may cause your employer to… read more