Frequently Asked Questions

”Q:

A:
1. You always speak with Mr. Powers, not a case worker.
2. You can reach Mr. Powers 24 hours a day.
3. Mr. Powers does all of the work on your case.
4. Because experience, reputation and results should be of the utmost importance to you.

”Q:

A:
1. Go to the emergency room.
2. Make an appointment to see Mr. Powers.
3. Notify your and the at-fault party’s insurance companies after your appointment with Mr. Powers.

”Q:

A: YES. If the at-fault party has no bodily injury coverage, or does not have enough, you will have to rely on your UM/UIM coverage.

”Q:

A:
1. Notify your supervisor immediately.
2. Make an appointment to see Mr. Powers.

”Q:

A: Because Florida is a “no-fault” state

”Q:

A: Currently, fourteen days (You should do it immediately).

”Q:

A: Your automobile insurance carrier pays up to $10,000.00 in medical bills and lost wages regardless of who was at-fault. Your medical bills and lost wages in excess of $10,000.00 are the responsibility of the at-fault party, or, if the at-fault party has no insurance, your UM (uninsured motorist) coverage would be responsible.

”Q:

A: NO! These statements may be used against you at a later date.

”Q:

A: If you are at fault, your insurance company pays. If you are not at fault, the at-fault party’s insurance company pays. If there is a dispute as to who is at fault, ordinarily your auto insurance company will pay and attempt to get a portion or all of what it has paid back from the other party’s insurance company.

”Q:

A: You can recover the following types of damages under the following circumstances: Past and future lost wages and medical treatment (economic damages) to the extent these damages exceed $10,000.00. Past and future pain, suffering, mental anguish, and inconvenience (non-economic damages) if you have:

  1. Permanent loss of an important bodily function; or
  2. A permanent injury per your doctor; or
  3. Permanent scarring or disfigurement; or
  4. Death. (Your estate has the claim)

”Q:

A: The UM (uninsured motorist / underinsured motorist) coverage under your policy would be responsible if the at-fault party has no coverage, or if the at-fault party’s coverage does not cover your total damages.

”Q:

A: Against your insurance company for the $10,000.00 in no-fault benefits: (5) years from the accident if no benefits have been paid, or (5) years from the date the benefits in question were denied.Against the at-fault party: (4) years from the date of accident.Against your insurance company for the UM (uninsured motorist) coverage: (5) years from the date of accident.