Borrowing Against Your Claim

I have to tell you about one of the things that is the most miserable things we deal with in a personal injury case. Companies out there who want to lend you money against your claim. I’ve seen it too many times and it’s understandable, people run into financial problems as a result of an accident or being laid up as a result of malpractice. I know that sometimes you cannot work. Sometimes there are ongoing medical problems and you’re financially strapped. But, I have to warn you, whether you’re one of my clients or the client of any other attorney out there, do not borrow money from companies willing to take a lean on your personal injury claim.
A lean means that they attach their loan to that personal injury case and when your case is settled they’re right there like the buzzard ready to pick that settlement clean. Now you might think, ‘well they were good enough to offer me money so why not borrow it’? I’ll tell you why not, because the interest on that is astronomical.
You may think you’re only borrowing a thousand or two thousand dollars. But six months, a year or two years later when your settlement comes through you may find that the one thousand dollar or two thousand dollar loan, has now become a ten or twelve thousand dollar payback!
Think I’m exaggerating? Talk to some of the people you know that have been involved in some kind of a claim that have in fact borrowed the money and you will hear the stories from them of how terrible the amount of interest is they had to pay. Believe it or not, in the state of Florida it is absolutely legal for these companies to do that.
I’m warning you, do anything you can to avoid these companies. Go to your credit union, go to a bank, go to your mother or father or your cousin or your sister or some friend to help you out. But do everything you can to avoid these companies that want to take advantage of you during a very difficult time.
We can help you make those decisions. If you have any questions call us. We can help. Call us now. Our toll free number is 800-332-1992 or email us at info@qlaw.com. Check out our latest podcasts on iTunes for free at
http://goo.gl/srejbD

When Police Are “A No Show”

There’s been an interesting change in the investigation of automobile accidents in the state of Florida. Most jurisdictions today, from the local sheriff to your local police department, may not respond to an accident after you’ve called them. As long as there are no major injuries or hazard to the public safety, they don’t want to be bothered. It’s very time consuming and with budget changes in the state they no longer have the funds to go out to every accident. As a result, you’re often left standing there for a long period of time, assuming that someone is coming and make a report of the accident, take down the information of the driver that caused your accident and maybe even issue a ticket. Now-a-day’s that’s often not the case.
It’s important that you record all the information that you can about accident and the other driver/drivers involved. It’s you who will be making the report to the police after the accident is removed from the scene and everyone has gone. Be sure you get the other person’s name and address and above all get the name of their insurance company. Remember, they won’t be the ones repairing your car or paying your medical bills. It will be their insurance company and they are going to want proof before they pay a claim. Insist on getting that information from the other driver.
What if they don’t have that information? I would suggest you call the police back and insist that someone come out because that driver is telling you they don’t have any insurance. It’s against the law to drive in Florida without any insurance coverage. You must carry proof with you every time you operate a motor vehicle. Almost everyone carries a phone with them that is capable of taking pictures. Be sure you take as many as you can to show the damage, road conditions and general environment. Record not only the other drivers’ information but if there are witnesses be sure to take down their information as well so they can be reached later if you need a statement. At Q Auto & Injury Attorneys we’ve created an app for your iPhone or Android that will help you record all the important information and give you some tips on other things to note in your accident. The app is free at the iTunes Store or from Google Play. It really can be a handy thing to have if you ever need it.
Remember, if you’ve suffered an injury as a result of someone else’s negligence; an auto accident, a slip and fall, or more importantly medical malpractice call us. We can help. We’re here for you. Call us at 800-332-1992 or email us at info@qlaw.com.
Check out our latest podcasts on iTunes for free at http://goo.gl/srejbD.

What is a “Contingency Fee Attorney”?

We get phone calls inquiring whether or not we are willing to represent an individual who has suffered a loss as a result of an automobile accident. The first thing we are asked is, “How much is it going to cost me? I don’t have a lot of money and I really can’t afford, at this time particularly, to pay for a lawyer.”
It’s important for everyone to realize, you don’t pay up front for a personal injury lawyer. Personal injury lawyers are called “Contingency Fee Attorneys”. We only get paid if you receive a settlement. Our fee is contingent upon you receiving some money. We get a percentage of that. A contract approved by the Florida Bar, which is used by most lawyers, grants the attorney one third of the total recovery. Believe me, when you have spent hundreds of thousands of dollars in doctors’ bills you want the best recovery you can get to pay off all those medical bills, to pay off the repairs to your car and to put money in your pocket for future problems you may experience. Paying a third for that privilege is a bargain.
If you’ve suffered an injury as a result of someone else’s negligence, an auto accident, a slip and fall, or more importantly medical malpractice, call us. We’re here for you.Our toll free number is 800-332-1992 or email us at
info@qlaw.com
Check out our latest podcasts on iTunes for free at
http://goo.gl/srejbD

Fight for What’s Right

I want to tell you an interesting story about a property damage issue. Many people call us after being involved in an automobile accident because no one is willing to fix their car, it doesn’t run, they can’t get to work, they can’t get to the doctor. Yet, they have insurance and the person that caused their accident has insurance.
We had a situation in our office where one of our employees, two weeks after purchasing a new car, was in a parking lot when an individual backing out of their parking space, backed into the side of my employees new car. My employee immediately took the car to the dealer to get an estimate for repair. The insurance company for the person who caused the accident sent out an adjuster. The figures to repair that car had a difference of $80, only $80. My employee did not feel that it was necessary for her to pay that $80, it wasn’t her fault. It was a stupid accident getting backed into in a parking lot because the person driving the other car didn’t pay any attention. So, she told the adjuster, “No. I want the full amount that it’s gonna cost me to repair my car at the dealer.”
He said he wasn’t going to throw that $80 in.
I called him and said, “Do you realize she works for personal injury lawyer? Pay her the $80.” He took on hard stand as they often do and refused to pay that $80.
Lo and behold, my employee began to complain to me that she suffered some neck and back pain. So we proceeded with a claim for her personal injuries against the insurance company. Let me tell you, the insurance company paid a lot more money to that employee then they would have if they had paid that $80 and been done with it. I’m sure that the frustration that my employee felt in dealing with them probably cause the stress that ultimately led to her aches and pains. But, that’s the way you get treated by the other insurance company.
You have a problem as a result of an automobile accident, please give us a call. Let us fight for you.Our toll free number is 800-332-1992 or email us at
info@qlaw.com
Please check out our latest podcasts on iTunes for free at
http://goo.gl/srejbD

Why Should I Hire a Lawyer?

Leonard McCue, PA, founding partner of Q Auto & Injury Attorneys offers his thoughts on an age old question….
So, I’m often asked, “Why should I hire a lawyer?” It’s a question we hear all the time. It always reminds me of the story of David and Goliath. Keep in mind, you’re David and the insurance company is Goliath, a formidable opponent. Remember that when you are dealing with the insurance company of the person who caused the accident. You are at a serious disadvantage. They don’t want to deal with you because you are trying to pry money, for whatever reason, out of them.
You may want to have your car fixed. They don’t want to do it. You may want to have your doctor’s bills paid for. They don’t want to do that either and they will make life difficult if not hell for you. As a matter of fact, insurance companies are the greatest source of referrals to our office, because of the frustration that they can create for an individual trying to deal with them.
Just keep in mind that you do not have the slingshot that David had. More likely than not, you’re not going to topple Goliath by yourself. If you have a problem as a result of an automobile accident, please give this a call. Let us fight for you. Our toll free number is 800-332-1992 or email us at info@qlaw.com
Check out our latest podcasts on iTunes for free.

Collision Insurance

Leonard McCue, P.A., of Q Auto & Injury Attorneys has some warnings for you regarding collision insurance.
“My Car has been damaged in an auto accident and when I call the insurance company of the person who caused the accident they’re ignoring me”, I hate to tell you how many times we’ve heard that phone call. One of the things that you’ve got to understand is that in Florida many, many, many, people travel on the roads with no insurance.
What does that mean for you? First, it means you should carry your own collision insurance. If your car has any real value at all, you should purchase collision insurance from your own insurance company. In the event that you have an accident, then your car is covered. Let’s talk about that for a minute. We often hear people complaining that the other person’s insurance company won’t fix their car and as a matter of fact the other driver has collision in their policy. The first thing I tell them is, “call your own insurance company”. That’s what you purchase the insurance for, to cover your car in case you have an accident.
The next thing I hear is, “but I didn’t cause the accident. The other person should fix my car.” Sounds all well and good , but, unfortunately, the other insurance company really doesn’t want to cooperate with you and repair your car. You should deal with your own insurance company if you have collision insurance.
By the way remember, if you’re paying a premium to an insurance company for collision; that is to repair your car in cases of an accident, you are of their friend because you are paying them a premium.
If you have a problem as a result of an automobile accident, please give this a call let us fight for you. Our toll free number is 800-332-1992 or email us at
info@qlaw.com.
Check out our latest podcasts on iTunes for free.

Changes in PIP (Personal Injury Insurance)

Insurance policies can be confusing enough, but when the law changes regarding them it can be nearly impossible to know your rights. Q Auto & Injury Attorneys founding attorney Leonard McCue offers some insight to a recent change in automobile insurance regulations.
In every policy that you purchase in Florida there is a health insurance section. That section is called “PIP”, Personal Injury Protection. It will cover medical bills that you incur as a result of having an accident. It doesn’t make any difference whether it was your fault or someone else’s fault. Most policies have a $10,000 policy to cover your medical bills. To get into how they pay and what they pay is complicated; but basically the changes they’ve made are that even though you purchased $10,000 worth of PIP, your insurance company may tell you they’re only going to a pay $2,500 of your bills, not ten thousand.
We advise everyone who calls our office regarding a recent automobile accident, to go immediately to the emergency room. One of the things that the insurance company will be looking for is whether or not you needed emergency medical treatment. Our argument is; if you went to the emergency room you must have needed emergency medical treatment. In that case, the insurance company is bound to pay the full $10,000, not $2,500 if you wait a few days and then decided to go see your own doctor.
If you have a problem as a result of an automobile accident, please give us a call. Let us fight for you.
View our most recent podcast at http://itunes.apple.com/us/podcast/guide-for-personal-injury/id495693563

It’s a Secret: Who Caused the Accident?

In Florida, jurors are not allowed to know who caused an accident.  If you’ve ever been on a jury or know someone who’s been on a jury in a personal accident claim, particularly an auto accident claim, you’re probably wondering why you never learned who caused the accident.   It’s a peculiarity of Florida law that the lawyers are not allowed to talk about who was charged in the accident.

Doesn’t it seem peculiar that you as a jury member should know that the other individual was charged in the accident?  That maybe speeding caused the accident?  That maybe texting caused the accident?   But as strange as it may seem; lawyers representing the injured person in an automobile accident are not allowed to talk about the person who caused the accident. You may hear the police officer testify as to what he saw when he arrived at the accident,  but if you pay attention you will notice that he is never asked “how did the accident happen” or “who was charged with causing the accident?” We’re not allowed to ask, police officers are not allowed to tell.

If you have suffered a personal injury as a result of someone else’s negligence please give us a call here at Q Auto and Injury Attorneys.  We can help.

Be sure to subscribe to our podcasts on iTunes as well.

Documenting Your Case

We encourage all of our clients to keep a journal, a diary, or some sort of log about what they go through throughout the duration of their case. Right after the accident you should write down what happened, in as much detail as you possibly can.  As your case progresses, of course, the memory fades.  You will forget some of the small details which could be extremely important as your case winds its way slowly to conclusion over a period of time.
Equally important is what’s going on with you in your day to day activities.  For instance, if a doctor prescribes medication for you, write down The dosctor’s name, the date the doctor prescribed it, the type of medication and where you got that prescription filled.  If, because of your injuries, you’re unable to do certain activities, such as riding a bicycle, playing golf, beach volley ball, swimming, anything like that, write your thoughts down.  Write down days you have increased pain.  Likewise, you should write down days when you might be feeling better.  A simple entry with the date, the time and a brief description about how you’re doing that day is all you need.
A simple, diligently detailed diary is extremely important.  As the time goes by, the weeks go by, the months go by, some of these important details may be forgotten and those details could be extremely important for your case.
If you have suffered a personal injury as a result of someone else’s negligence, please give us a call here at Q Auto and Injury Attorneys, 1-800-332-1992. We can help.
Check us out on iTunes. These blog posting are covered in both video and audio podcasts for people who prefer to hear this information while driving or watch an enhanced version on their computer or video playback device.

Uninsured/Underinsured Motorist Coverage

Did you know that many drivers in Florida have no insurance on their automobile?   That means that if you’re in an accident with another Florida driver more likely than not your injuries or your losses are not covered by the other driver.  That’s why it is so important in the State of Florida to carry uninsured/underinsured motorist coverage.
Uninsured coverage provides coverage for you and your losses in the event that you have an accident with someone with no insurance.   If you are injured in an accident where the other driver has some insurance your same uninsured motorist coverage is known as underinsured motorist coverage and your insurance will be add to the underlying coverage that the other driver had.
For example, if he only had ten thousand dollars in coverage and you have an accident and your losses exceed that ten thousand,  your insurance will then pick up the difference.   It’s the most important coverage you can have in the State of Florida.   As a matter of fact by some estimates as high as forty percent of the drivers who drive in Florida have absolutely no coverage.  Now you can ask yourself how can they drive if they don’t have any insurance?  Well, believe me; they can because there is no penalty in the State of Florida for driving without auto insurance.
So, the lesson to be learned – make sure uninsured/underinsured motorist coverage is part of your policy.  It’s the best insurance you can buy to protect yourself.
If you have suffered a personal injury as a result of someone else’s negligence, please give us a call here at Q Auto and Injury Attorneys, 1-800-332-1992. We can help. Check us out on iTunes. These blog posting are covered in both video and audio podcasts for people who prefer to hear this information while driving or watch an enhanced version on their computer or video playback device.