Do I Need Med Pay Coverage?

Med Pay is optional and supplemental auto insurance coverage offered in the State of Florida and can be purchased for an additional fee. Med Pay coverage will pay the 20% of medical bills that PIP does not cover and when PIP is exhausted will pay 100% of the medical up to the coverage limits. Unlike PIP coverage, Med Pay does not compensate for lost wages. Med Pay is affordable coverage that helps when someone’s negligence causes you to suffer significant injuries and large medical bills. Typically depending on the amount of coverage purchased, Med Pay can be added to a policy for around $50.00 a policy period. You should check your policy for Med Pay and consider adding this coverage.

Personal Injury Precautions and Holiday Time

Holiday time often fills your home with family and friends. But during this joyful time, homeowners should be actively protecting visitors to your home from potential hazards.

Halloween will soon be here, and this holiday comes with its own set of hazards to your home and those visiting your home. Many legal and insurance commentators offer advice for protected the safety of those visiting your home, and for protecting yourself against liability.

This may be the only time of the year that your home will be visited by many strangers, creating a unique situation for premises liability. Legal commentators note that this holiday is particularly risky for slip-and-falls, which create a liability for the home owner. (Injury Board.)

Many of these hazards can be easily prevented. It is good to make sure that in the area where trick-or-treaters come up to your house is well lit. (Home Safety Council.) Also, clear this area of clutter including Halloween decorations, and pumpkins. (Home Safety Council.) This will help to prevent falls which you could be liable on your property.

Another way to prevent liability is to make sure that your pets, whether inside or outside are properly restrained, so that they don’t jump on or hurt visitors to your home. (Insurance agents).

http://www.homesafetycouncil.org/SafetyGuide/sg_halloween_w001.asp
http://www.insuranceagents.com/halloween-home-safety.html
http://voices.injuryboard.com/property-owners-liability-slip-and-fall/liability-on-halloween-slip-fall-or-safety.aspx?googleid=272190

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Statement Of Clients's Rights For Contingency Fee Arrangements

Make sure that before you, the prospective client, arrange a contingent fee agreement with any lawyer, you understand this statement of your rights as a client. This statement is not a part of the actual contract between you and your lawyer, but, as a prospective client, you should be aware of your rights:

1. There is no legal requirement that a lawyer charge a client a set fee or a percentage of money recovered in a case. You, the client, have the right to talk with your lawyer about the proposed fee and to bargain about the rate or percentage as in any other contract. If you do not reach an agreement with 1 lawyer you may talk with other lawyers.

2. Any contingent fee contract must be in writing and you have 3 business days to reconsider the contract. You may cancel the contract without any reason if you notify your lawyer in writing within 3 business days of signing the contract. If you withdraw from the contract within the first 3 business days, you do not owe the lawyer a fee although you may be responsible for the lawyer’s actual costs during that time. If your lawyer begins to represent you, your lawyer may not withdraw from the case without giving you notice, delivering necessary papers to you, and allowing you time to employ another lawyer. Often, your lawyer must obtain court approval before withdrawing from a case. If you discharge your lawyer without good cause after the 3-day period, you may have to pay a fee for work the lawyer has done.

3. Before hiring a lawyer, you, the client, have the right to know about the lawyer’s education, training, and experience. If you ask, the lawyer should tell you specifically about the lawyer’s actual experience dealing with cases similar to yours. If you ask, the lawyer should provide information about special training or knowledge and give you this information in writing if you request it.