Florida Law

Published on: April 14, 2023

Florida Injury Lawsuits: Tougher to File, Win & Payout with Passing of the New Insurance Bill

Once again, tort reform has made it tougher for victims of Florida car accidents to sue and collect fair damages for their losses. In order to get this passed the legislature has inaccurately pointed the finger at the allegation of frivolous Florida injury lawsuits and sky-high compensation payouts as the cause of high customer insurance premiums.

Reality check: Insurers are doing just fine. They even contributed $7 plus million to Florida politicians last year. Furthermore, the amount of insurance premiums paid by customers has little to do with accident claim payouts. It has a lot more to do with insurer profit margins.

Time and again, we’ve seen legislation enacted that makes it harder to sue and collect fair compensation against negligent motorists, businesses, and doctors – but fails to lower insurance premiums. Take for instance the Florida law passed in 2003 to limit medical malpractice pain-and-suffering damage payouts. At the time, state lawmakers insisted there was a “crisis” facing medical malpractice insurers that forced the industry to charge doctors super high premiums, to the point doctors had no choice but to relocate their practices out-of-state. This was all justified by basically arguing that greedy patients and plaintiff lawyers were exploiting medical malpractice insurance for big bucks. In a 2014 overturning of those damage caps, the Florida Supreme Court blasted lawmakers for their initial reasons for passing the law – while also noting it never made a dent in doctors’ insurance bills. In Estate of McCall v. U.S., the Court called the lawmakers’ justifications “arbitrary” and “irrational,” and an “offense to the fundamental notion of equal justice under the law.” In that 5-2 opinion, the court noted the effect of saving a modest amount for many meant imposing devastating costs on the few – namely those catastrophically injured. “If there ever was an alleged medical malpractice crisis” in the first place, the Court remarked skeptically in its reversal, there wasn’t one anymore.

But state lawmakers haven’t stopped trying to use this as a justification for ongoing efforts to make life easier for insurers. In the years since, they’ve continued pressing measures reducing both liability and damage awards for dangerous property conditions, car accidents, and work injuries. They’ve also targeted payouts from life and health insurance.

Now, proponents of this new law have promised that it will help eliminate the so-called “tort tax” imposed on citizens – something that doesn’t actually exist.

As you can imagine, our Fort Myers personal injury lawyers are among the many trial lawyers who strongly opposed this legislation. We believe that these new laws will disenfranchise people who have suffered serious injuries because of someone else’s wrongdoing. It’s not just lawyers, though. Other vocal opponents include doctors, bicyclists, and previous car accident victims – many of whom showed up in significant numbers at state committee hearings on the issue.

What Exactly Will this the Law Do?

The legislation – House Bill 837 and Senate Bill 236 – has made it more difficult to file, win, and fairly collect on well-founded Florida injury lawsuits. These bills were fast-tracked by lawmakers and quickly signed into law by Governor Desantis.
Continue reading

Published on: October 25, 2022

Filing a Florida Business Interruption Insurance Claim After Hurricane Ian

by Leland Garvin

Florida business interruption insurance Hurricane Ian The number of Florida insurance claims filed after Hurricane Ian is steadily rising, with the Florida Office of Insurance Regulation estimating there have so far been nearly 450,000 claims, more than 12,300 of those being commercial property claims. Those figures are likely to climb. Insured losses for wind damage are estimated to be somewhere between $23 billion and $35 billion, while flood losses covered by private insurers and the National Flood Insurance Program are going to be anywhere from $8 billion to $18 billion. (The actual amount of damage is much higher; these are only the estimated losses covered by insurance.)

For Southwest Florida business owners forced to halt operations – temporarily or indefinitely – it’s a smart idea to consult with a Fort Myers business interruption insurance claim lawyer.

Small businesses are the heartbeat of Florida’s Gulf Coast, especially in the restaurant and hospitality industry. Business interruption insurance covers losses sustained when you’re forced to shut down your business for a covered reason. It isn’t required in Florida, but it is highly recommended for South Florida companies – for situations just like this.

Hurricanes are notorious for closing down South Florida businesses for various stretches. Business interruption insurance won’t cover the property damage losses (which are hopefully covered in your commercial insurance policy). What it can do is cover things like:

Lost income and profits.
Fixed expenses, like utilities and payroll.
Ongoing tax burdens.
Reasonable expenses incurred while business is temporarily operating elsewhere.
Lost rental income.
Relocation expenses.
Small business loan payments.

Typically, business interruption policies only apply in situations where there is physical damage to the business property or some other property that precludes employees and customers from entering. An example of the latter situation would be the destruction of the Sanibel Causeway, the only roadway on/off the island making entry only accessible by boat or aircraft. Continue reading

Published on: October 19, 2022

How Do I Negotiate With an Insurer After Fort Myers Property Damage?

by Leland Garvin

Fort Myers property damage attorney Many in our Southwest Florida community who sustained Fort Myers property damage during Hurricane Ian are wondering where to even begin when it comes to filing insurance claims. Roofs were blown off. Lanais are no more. Vehicles were flooded. Homes were flooded if not entirely swept away.

Industry analysts are estimating this may have been the costliest storm in Florida’s history – which is saying something. Early insurance industry estimates of the damage are falling roughly around $53 billion. Some are already saying the final number could be higher.

As Fort Myers civil trial attorneys offering help with Florida business interruption insurance claims and bad faith insurance actions, we can offer some insight on how to get the process started. Good property damage attorneys can help you fight back when insurance companies pinch pennies, lowball your legitimate claims, and try to deny you the relief you’re owed according to the terms of your policy.

Property damage insurance companies in Florida are notorious for downplaying the extent of the damage, looking for any possible loophole to deny coverage. As you go through the process of negotiating for coverage, it’s important to understand how the process works – and when you may want to seek intervention with a South Florida property damage lawyer.

The Process for Fort Myers Property Damage Insurance Claims

As you wade into negotiating a Fort Myers property damage insurance claim, it’s important to understand how the claims process works.

In many cases the following process takes place: Continue reading

Published on: August 5, 2020

Who is Liable for Florida Emergency Vehicle Accidents?

by Leland Garvin

We all know that when an emergency vehicle approaches with its lights flashing and sirens blaring, other motorists should make way – and fast. But what if you cannot move quickly enough? What if you did not see the lights or hear the sirens before it was too late? What if there were no lights or sirens activated at all? Over the years our law firm has received many calls regarding Florida emergency vehicle laws; As our South Florida injury lawyers can explain, state law allows for legal accountability in Florida emergency vehicle accidents in some circumstances. Proving it will likely require an extensive investigation, expert witness testimony, and an experienced legal team.

According to the National Safety Council, emergency vehicle crashes – those involving police vehicles, ambulances or fire trucks – caused 168 U.S. deaths in 2018. Of those, less than half (48 percent) occurred while the authorized vehicles’ lights and sirens were in use. Most of those who died were either an occupant of non-emergency vehicles or pedestrians (69%). Police vehicles were involved in the most fatal crashes (64%), followed by ambulances (28%), and then fire trucks (8%). These numbers provide some insight but do not give us a full picture as non-fatal crashes are not included.

F.S. 316.072 allows emergency vehicle operators some leeway when it comes to traffic rules. For example, they can proceed past a red light or through a stop sign – but only after slowing down as necessary for safe operation. They can exceed the maximum speed limit – so long as the driver does not endanger life or property. They can also disregard regulations governing direction, movement, or turning – but only so long as life or property is not endangered. Many departments also have written policies that outline the caution their employees should use when responding to an emergency.

What the law makes clear is that while these first responders are tasked with critically important duties for which seconds count, they do not have free reign to drive recklessly on our roads or needlessly endanger others.

Published on: October 23, 2019

Why Does a Florida Injury Lawyer Work on a Contingency Fee Basis?

by Leland Garvin

One of the top concerns an injury lawyer hears upon meeting with prospective clients is: How much will this cost me?

Most who have suffered a serious personal injury are hurting financially as well as physically – which is why they’re seeking compensation from the at-fault party in the first place. Fort Myers injury lawyer

The good news is that with personal injury litigation, you won’t need to pay upfront. In fact, you won’t pay any attorney fees at all unless you win.

Published on: July 2, 2019

Sudden Return to Daubert Standard for Evidence by Florida Supreme Court

by Leland Garvin

The standard for expert evidence admissibility in Florida court cases – civil and criminal – has once again taken a sudden turn, eschewing longtime adherence to the “general acceptance” Frye standard for vetting scientific evidence in favor of the more stringent Daubert standard.

Fort Myers injury law firm In plain English: It just got harder for injured plaintiffs in Florida to win their cases. That makes having an experienced, skilled personal injury lawyer all the more essential.

After several years of fraught back-and-forth and lengthy debates centering on constitutional concerns, it appears with this decision, In re: Amendments to the Florida Evidence Code, No. SC19-107 (Fla. May 23, 2019), the Florida Supreme Court has settled the issue, reversing its own prior (sharply-divided) ruling from last year and joining the standard used in many other states and the federal government (the latter with Rule 702 of the Federal Rules of Evidence). Continue reading

Published on: April 15, 2019

$1M Florida Personal Injury Lawsuit Damage Cap Proposed by Lawmakers

by Leland Garvin

Florida lawmakers are seeking to limit the amount of non-economic damages that can be recovered by plaintiffs in personal injury lawsuits. Fort Myers personal injury lawyer

Specifically, HB 17 would impose a $1 million cap on payments made to injury claimants for intangible losses like pain and suffering, emotional anguish and loss of life enjoyment. While it’s true these losses are more subjective than things like medical bills or lost income, they are no less worthy of compensation.

As long-time Fort Myers personal injury lawyers, we know tort reform efforts like this are nothing new in Florida. Insurers and big corporations have lobbied intensely for them for decades. Proponents argue reform is necessary to keep consumers’ insurance rates in check and prevent frivolous claims and outrageous damage awards.

Published on: October 31, 2018

SWFL Explosive Growth Increases Road Risks

by Leland Garvin

Fort Myers has again been named the fastest growing city in America. Fort Myers car accident attorney

Fox4 News reports Lehigh Acres has ranked the seventh fastest growing city in America with Cape Coral ranked 24th. The annual Wallet Hub report looked at the economic growth in 515 cities over the last seven years to come up with the list.

With the accolades come the accidents. The end of Daylight Savings Time on November 4th will bring early darkness to the afternoon commute. Snowbird and seasonal traffic will soon follow, making it a great time to emphasize the need for improved road safety as we head into the year-end holidays.

The reality is that decades of explosive growth have made the roads of Southwest Florida increasingly dangerous; meanwhile, the Lee County Commission has continued to pander to developers and keep in place deeply slashed development “impact fees” which have left our roadway and pedestrian infrastructure outdated and massively underfunded.

Our growth has been staggering by any measure. Lee County’s population was barely 100,000 in 1970. By the year 2000, we had grown to 440,000 and today we are nearing 800,000.

Published on: October 1, 2018

New Laws Take Effect Today in Florida – Including PTSD Benefits, Animal Abuse..

by Leland Garvin

The following are new laws that are in effect in Florida as of October 1, 2018; please click the bill number for a link to the actual bill to learn more about the specific law going into effect today.

CS/CS/SB 376: Workers’ Compensation Benefits for First Responders

Workers’ Compensation Benefits for First Responders; Providing that, under certain circumstances, posttraumatic stress disorder suffered by a first responder is an occupational disease compensable by workers’ compensation benefits; specifying that benefits do not require a physical injury and are not subject to certain apportionment or limitations, etc.

Published on: June 20, 2018

Is it illegal to drive barefoot in Florida? What about flip flops?

by Leland Garvin

Year around sunshine in Southwest Florida means motorists are often wearing shorts, tank tops, flip-flops and other light summer garb. Is it illegal to drive barefoot or in flip-flops in Florida

Our Fort Myers injury lawyers know limbs, including hands and feet, are always vulnerable in serious traffic collisions. Leg compartments of modern vehicles extend to the front axle in many vehicles. Hands and arms are often caught between your body and the steering column. Crush injuries and degloving injuries can result- While it may be unsafe this still doesn’t answer the question – Is it illegal to drive barefoot in Florida?

The short answer is No, Click Orlando reports Florida is among the states where driving in flip-flops or barefoot is not illegal. And that’s a good thing or most of us would be violating the law on a regular basis. But what about flip flops on a motorcycle or even barefoot on a motorcycle?