Category Archives:Bicycle accident

What Does My PIP Insurance Cover?

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What Jeff NuckolsDoes My PIP Insurance Cover?

By: Jeffrey R. Nuckols, Esq.

You live in Florida and have PIP auto insurance, but you might ask, “What does my PIP cover?” You might be surprised to learn who is among those covered by PIP in Florida pursuant to the 2014 Florida Statutes. Or maybe you might be surprised to learn of a particular category of persons not covered. Read on.

MELBOURNE PERSONAL INJURY ATTORNEY EXPLAINS INSURANCE

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RLD

Please call our office for a free review of your auto or motorcycle insurance policy.

By: Renee L. Dial, Esq.

I know it sounds like we sell insurance sometimes but we just want to make sure you are covered if you are ever involved in an accident.  Most new clients are surprised when I sit down and explain their policy and how their coverage provides benefits to them.

It is all too easy to go online and click on a few boxes to select your insurance.  You click a box and your monthly payment goes up so you deselect the box to make the amount go down.  Purchasing insurance this way is easy but probably not the best as there is not an agent there to explain what coverage you should purchase for the way you live.  Most motorcycle owners do not know their their stacked uninsured/underinsured motorist insurance may cover them if they are struck by an automobile.

Most are even more surprised when they find out that the at-fault driver does not have bodily injury insurance and they are now forced to pay for their own medical bills above what PIP does not cover because they did not purchase UM insurance.

Before deselecting or choosing not to click on the box call my office to discuss what coverage you need to protect you and your family or call your insurance agent and ask them to fully explain what the various types of insurance are and how they protect you.

Call and have your questions answered by an attorney that understands bicycle accidentsautomobile and motorcycle accidents in MelbournePalm BayPatrick Air Force BaseCocoa, and the beaches. If you have any questions regarding insurance coverage and auto or motorcycle accidents please do not hesitate to Renee Dial at (321) 329-5449 and press 1 or 4 for new clients.

WHAT IS FULL COVERAGE IN AN AUTO ACCIDENT?

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3Have you been injured in an auto, motorcycle, or bicycle accident and need to know what your coverage means?  What is full coverage?

By: Renee L. Dial, Esq.

We all have heard someone state that they have full coverage when asked about their automobile insurance policy.  What exactly is full coverage?  I can honestly say I have no idea.  I know what coverage my clients need to protect themselves.

"YOUR COMMUNITY YOUR ATTORNEYS"

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RLDEvery attorney wants to have a successful practice.

By: Renee L. Dial, Esquire

At DKN Legal our attorneys are members of the Space Coast community.  Some of your parents have been our teachers, your children are classmates with our children, and our families work in the same offices with your families.  Myself, Joe, and Jeff stay very active in our communities whether it’s participating in church activities, volunteering at our children’s schools, or volunteering for other organizations in our neighborhoods.  We strive to make our communities places we want to live.

I say all of this because we work and live in your community.  Our office is near locations Logothat most of you frequent and we encourage all of our clients to stop by our office and chat whenever they have questions.  When we represent persons injured in auto accidents we know the locations because we pass by those same spots every day.

I attended Harbor City Elementary, Stone Junior High School, and Palm Bay High School.  I received my AA degree from Keiser University on Babcock Street, my bachelors from the Palm Bay and Cocoa UCF campuses, and my juris doctorate from the Florida A&M College of Law in Orlando, Florida.

Being able to practice law and represent our friends and their families in our community is a true honor.  If you have any questions regarding an auto accident, personal injury, estate planning, or family law please do not hesitate to contact myself or Jeff Nuckols for a free telephone consultation.  DKN Legal “Your Community Your Attorneys”

If you have questions regarding bicycle accidentsautomobile and motorcycle accidents in MelbournePalm BayPatrick Air Force BaseCocoa, and the beaches. Or if you have any questions regarding insurance coverage on your auto or motorcycle please do not hesitate to contact Renee L. Dial or another DKN Legal attorney at (321) 329-5449.  Press 4 for new clients.

 

 

BICYCLE V. AUTOMOBILE ACCIDENTS AND INSURANCE

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RLDBicycle accidents and the automobile insurance that may cover you.

By: Renee L. Dial, Esquire

Last week’s article included a couple of statutes regarding bicycle regulations.  In this article I will discuss insurance that can potentially provide you coverage in the unfortunate even you are involved in a bicycle v. automobile accident.

First, personal injury protection coverage (PIP), that you hear so much about the 14 day rule, may provide coverage if you are injured by an automobile regardless if the bicycle accident is your fault.  You must seek medical assistance within 14 days of the accident or you may lose valuable benefits.  If you own a vehicle with this coverage you can seek benefits from your automobile insurance carrier.  If you do not own a vehicle and live with a resident relative you may be able to claim benefits under that policy of insurance.  Now, if you do not own a vehicle and do not live with a resident relative you can file a claim for PIP benefits under the automobile driver’s policy of insurance.  PIP benefits are for medical and lost wages so a bodily injury (BI) or pain and suffering claim will have to be made against the at-fault driver’s insurance.  If BI insurance is not available then you can seek coverage under a UM policy of insurance.

The next insurance that may provide you coverage is uninsured or underinsured motorist insurance.  This is coverage purchased by you or a family member, if you are living in their household that may provide insurance in the event the driver did not have BI coverage or only carried minimal BI policy limits.  UM insurance is best if it is stacked UM coverage.  Stacked coverage multiplies the number of vehicles on the policy by the amount of insurance.  So if you have a $100,000 policy, elect stacked UM coverage, and have three vehicles, the potential UM coverage is $300,000.

If you or a family member are ever involved in a bicycle v. automobile accident look to your auto insurance for potential insurance coverage.  Available insurance and the facts of the accident will determine what coverage will be available and without knowing the facts it is hard to determine so please contact an attorney to review the facts and potential insurances that may provide benefits.

These are all reasons to call and have questions answered by an attorney that understands bicycle accidentsautomobile and motorcycle accidents in MelbournePalm BayPatrick Air Force BaseCocoa, and the beaches. If you have any questions regarding insurance coverage and auto or motorcycle accidents please do not hesitate to contact Renee L. Dial or another DKN Legal attorney at (321) 329-5449.  Press 4 for new clients.

BICYCLES ACCIDENTS AND FLORIDA LAW

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RLDBicycles Accidents and the laws of Florida governing the roadway.

By: Renee L. Dial, Esq.

Everyday more and more vehicles are sharing the roadways with bicycles.  Most towns and cities have installed bike lanes or enlarged the existing bike lanes.  Unless otherwise specified by a local or state ordinance bicycles have the same rights for using the roadways as motorized vehicles.  Next, bicycles seem to be a hybrid of a pedestrian and a “vehicle” under Florida law.  While bicyclist can receive citations and even be convicted of a DUI if riding a bicycle while intoxicated a bicyclist riding on a sidewalk and crossing a marked or unmarked crosswalk may be treated as a pedestrian if struck by an automobile.  Vehicles should yield to a bicycle in the same manner that they yield to a pedestrian or continue on if it is safe to do so.  Below are a couple of Florida statutes that deal with bicyclists.