When a person is struck by a car and injured, there could be a range of factors that contributed to the harm. A distracted driver could carry some of the fault, but it is also possible the pedestrian carries a percentage of the negligence resulting in the Florida accident.

In initial damage recovery discussions, who was at fault and what level of responsibility multiple parties hold may not be immediately clear. There may need to be a review of evidence by the insurance adjusters and legal professionals involved in order for the details of a compensation package to come to light. If more documentation needs to be collected in order to prove your need for financial recovery, there are experts that can guide you through the process. Talk to a Tampa personal injury attorney.

Distracted Drivers and Negligence On the Part of the Pedestrian

It is an unfortunate reality that driving distracted can lead to collisions. Whether a driver is texting or trying to open a container of food, anytime a driver has their attention away from the task of driving there is the danger of a crash occurring, and sometimes pedestrians are struck. Failing to obey traffic signs, driving too fast, or being under the influence are behaviors that also pose grave risks.

While it is common for drivers to be the ones held accountable, there are also situations in which pedestrians are at fault. After all, individuals traveling on foot need to follow traffic signals and road rules as well. When a person runs into traffic against a light and is struck, they may be deemed at fault or to carry a degree of fault.

In Florida, fault can be shared and the percentage of fault given to each involved party will then influence the amount of personal injury recovery that can be accessed. While some states have percentages that make a party ineligible, such as a person carrying over 50% of fault is not able to collect damage recovery funds, this type of restriction is not in place in Florida. Even if you are 80% at fault, you could receive recovery funds.

Connect with a Tampa Attorney

Pedestrian injury cases can be complicated and it is possible an insurance adjuster will try to prove that you, not the motorist, carries the most fault. When you hire a Tampa personal injury attorney, a legal professional will fight for your right to damage compensation.

Are you recovering from a pedestrian accident and are unsure of the worth of your insurance claim? Talking to a legal professional can give you a full understanding of the worth of your claim. Then, you will not accept an amount that is far lower than what you’re entitled to. To pave a path forward, connect with the aggressive legal team at HD Law Partners. Once our attorneys assess your documentation, next steps can be strategized. With years of personal injury experience, we are committed to fighting for our clients. Call 813-964-7878 to schedule a free consultation.

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The COVID-19 pandemic created widespread–and unprecedented–disruption to Florida’s economy. Many businesses suffered a severe drop in revenue and were forced to temporarily or permanently close their doors. This, in turn, spawned a wave of business lawsuits against insurance companies who denied claims under “all-risk” commercial insurance policies.

Commercial Policies Required “Physical” Damage to Property

The U.S. Court of Appeals for the 11th Circuit, which has appellate jurisdiction over federal cases originating in Florida, recently addressed a series of lawsuits on this issue. The basic question underlying the various cases–captioned here as SA Palm Beach, LLC v. Certain Underwriters at Lloyd’s London–was whether COVID-19 caused “direct physical loss of or damage to” insured business property.

As you probably remember, back in March 2020 the governor of Florida issued a number of executive orders restricting the operations of “non-essential” businesses like restaurants and retail stores. Many Florida counties also issued “stay at home” orders that further restricted–or forced the temporary closure of–these same non-essential businesses.

One of the plaintiffs in this case operated a restaurant in Palm Beach. The plaintiff held a commercial property insurance policy from Lloyd’s of London. The policy stated the insurer agreed to pay for any loss of business income or extra expense incurred due to “direct physical loss of or damage to” the covered property. (As noted, the 11th Circuit consolidated several cases for review, all of which essentially follow this same fact pattern.) The policy further stated that coverage began 72 hours after the time of said direct physical loss or damage.

Essentially, the insurer’s argument was that COVID-19 did not create any “physical” loss or damage to the insured property of the plaintiffs. Indeed, the purpose of such coverage was to assist business owners “repair, rebuild, and replace” damaged physical property. That made no sense in the context of a pandemic-related closure.

All of these cases are subject to the substantive law of Florida. But as is common with insurance litigation, the “diversity of jurisdiction” between the parties meant the various lawsuits were tried in federal court. The 11th Circuit therefore had to determine how Florida insurance law should address this situation.

The 11th Circuit noted that neither the Florida Supreme Court nor the state’s intermediate appellate courts had addressed this question in a published opinion. But based on how the majority of other states have dealt with the issue, the 11th Circuit concluded that the Florida Supreme Court would hold the insurer was not liable for coverage in these cases. Accordingly, there was “no coverage for loss of use based on intangible and incorporeal harm to the property due to COVID-19 and the closure orders that were issued by state and local authorities even though the property was rendered temporarily unsuitable for its intended use.”

Speak with a Tampa, Florida, Insurance Lawyer Today

If you are involved in an insurance dispute it is important to seek out qualified legal advice from attorneys who understand this field. To speak with a Tampa insurance litigation attorney, contact HD Law Partners today to schedule a consultation.

Source:

scholar.google.com/scholar_case?case=1838465014933997489

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Insurance companies will often seek declaratory judgments to determine their obligations under a particular policy. For example, if someone is injured on another person’s property, the company that insures the property owner may seek a declaratory judgment that it has no duty to defend or indemnify that owner should they be sued.

Keep in mind, while most personal injury claims fall under state law, declaratory judgments are subject to federal jurisdiction. Under the Declaratory Judgments Act, a congressional statute, federal judges “may declare the rights and other legal relations of any interested party seeking such a declaration.” The word “may” is important. A federal court is not always required to make a determination. The judge may decide that it is best to dismiss a declaratory judgment action to avoid interfering with an ongoing state court proceeding.

Federal Court Orders Reconsideration of Insurer’s Request

The U.S. 11th Circuit Court of Appeals recently clarified the standards that federal judges must use when deciding whether or not to exercise their jurisdiction over a declaratory judgment proceeding. This particular case, James River Insurance Company v. Rich Bon Corp., originated with a shooting at a Miami nightclub. A fight broke out at the club, which quickly escalated into a shootout. An employee of the nightclub was killed in the gunfire and a nightclub patron was shot and seriously injured.

The nightclub had a general liability policy that covered bodily injury and property damage. This coverage excluded any workers’ compensation liability or injuries to employees. There was also a cap of $25,000 per person or $50,000 per incident for any claims arising from an “assault or battery” on the premises.

The injured guest sued the nightclub in Florida state court, alleging negligent security. The nightclub also anticipated a similar lawsuit from the deceased employee’s estate. The insurance company decided to file a declaratory judgment action in federal court, seeking clarification of its coverage obligations.

While the federal action was pending, the insurer ended up settling the state lawsuit with the injured patron for the $50,000 policy limit. The estate of the deceased employee then filed its own state lawsuit. The insurer argued in federal court that the nightclub’s insurance for this incident was already “exhausted,” and in any event, the estate could not recover any coverage under the employee exclusion.

The federal court declined to exercise jurisdiction and dismissed the declaratory judgment action. On appeal, the 11th Circuit said that was an abuse of discretion. The appellate court said that looking at the “totality of the circumstances,” the insurer had a viable claim that a declaratory judgment was warranted based on its exhaustion-of-coverage argument. The 11th Circuit therefore ordered the trial court to reconsider its position accordingly.

Speak with a Tampa, Florida, Insurance Lawyer Today

Insurance disputes can often lead to a number of complicated legal questions. An experienced Tampa insurance litigation attorney can help you in finding some answers. Contact HD Law Partners today to schedule a consultation with a member of our team.

Source:

media.ca11.uscourts.gov/opinions/pub/files/202011617.pdf

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If you are pursuing legal action in connection with a business contract dispute, it is possible there is a provision in the contract to move toward arbitration. An alternative to traditional litigation paths, arbitration has some similarities to mediation in that there is a neutral third party who reviews documentation, listens to arguments, and gives their opinion. An arbitrator’s decision is binding.

Legal issues can weigh down profits and productivity of organizations. If you are a Florida business owner and you have found yourself in the middle of contractual disputes, you need a Tampa business & corporate law attorney to guide you through your legal options. Take care of any problems as soon as possible so you can put the legal dispute in the rearview mirror.

Pros and Cons of Arbitration

Before agreeing to the process and moving forward with arbitration, understand the advantages and disadvantages. Because whether mandatory arbitration is included in the contract in question or not, you need to know what to expect so you can prepare for the process and the possible outcomes.

Arbitration pros:

• Faster than litigation. Because the arbitration process has more flexibility than local courts, a resolution will likely be far faster. This is because time and locations are generally open to discussion and easier to schedule.
• Less expensive. Since the process is stripped down, arbitration generally costs less and the expenses required to go through the process are split between the parties involved.
• It’s private. While trials can be part of public record, arbitration is done privately. For this reason, it is a popular choice when there are sensitive issues involved, including trade secrets or intellectual property.

Arbitration cons:

• Decision is binding. Parties who go through arbitration have waived the ability to have a judge involved in their dispute. Because they have waived their right, the chances of being able to appeal or take other legal action are slim to none.
• No guarantees. While arbitrators are qualified professionals in most cases they are not necessarily bound to precedent. Therefore, they could make a decision you were not anticipating. Courts, on the other hand, follow legal precedent.

Discuss the advantages and disadvantages with an attorney who is familiar with the details of your situation.

Personalized Attention

Talking to a Tampa business & corporate law attorney is important because once a legal professional has looked over your contracts, they can provide you with advice that is tailored to your unique situation and goals. In some situations, litigation is a preferable option. Or, if your contract states you must go through arbitration, there are ways to properly prepare.

Are you wondering if arbitration would be helpful for you and your business? Connect with the legal team at HD Law Partners to learn more about your options. With extensive experience in  business and corporate litigation, our lawyers will review your case and advise you on the path that will lead to the outcome you are seeking. Call 813-964-7878 to schedule a free consultation with a member of our team.

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Sales of timeshares are often connected to customers acting on impulse, without people doing the research they need to do to determine if the purchase is truly a good investment. Sometimes people are on vacation when they are talked into a timeshare and they find themselves regretting the purchase in the months and years that follow. To protect yourself from regret, take your time and talk to legal professionals about the language of contracts.

There are laws in place to protect individuals from unethical timeshare sales. If you believe you were not treated fairly when you purchased a timeshare or have decided to sell and are unable to do so, discuss your case with an experienced Tampa timeshare attorney. You do have rights, and there could be a path out of the situation even if high-pressure representatives of the timeshare are insisting you have no choice.

Maintenance Fees and Long Ownership Timelines

When people are excited and buy a timeshare at the moment, they are typically not thinking about how long they will be paying maintenance fees. Instead, they may be on vacation and tantalized by the idea of more vacations.

If you become interested in a timeshare at a presentation, know that you do not have to purchase a timeshare then and there.. Research vacation ownerships. Then, if you do decide you are interested in a timeshare, you can look for one that fits your needs. Too often, people buy without sitting down and truly considering how much they can use it given their lifestyle and how quickly maintenance fees can pile up, even if you are not using the property.

For example, it is common for timeshares to use a vacation point system. But if you have never used this type of system you may not understand the limitations that are being imposed.

Avoid Today-Only and High-Pressure Sales

In short, walk away from today-only prices. Ask questions and do your research. Chances are, if you opt to buy in later you will be able to do so and avoid time crunch sales tactics. Additionally, looking at reviews of the company and checking online to see if past customers had any complaints can be helpful. Then, without the clock ticking, you can do the financially responsible thing and take the time you need to read through the contract before signing. To have all of your concerns addressed, connect with a Tampa timeshare attorney.

Is it time for you to talk to a timeshare attorney? Whether you are looking to get out of a timeshare contract or you want legal advice on how to proceed with a purchase and protect your assets, connect with the legal team at HD Law Partners to learn more about your options. Vacation should be fun, not a source of stress, and if you buy into a vacation property you need to be sure you can use it otherwise you are wasting money.  Call 813-964-7878 to schedule a free consultation with a member of our team.

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People slip and fall in public all of the time. You have likely been shopping in a mall or dining in a restaurant and seen someone take a fall. Thankfully, in most situations, the person is able to get up and brush it off. They may be startled and bruised, but they are able to resume their activities once they have collected themselves. But, it is important to note that not all individuals are this lucky. There are fall victims who sustain injuries that require medical care.

One Florida report stated there were over 60,000 falls that required hospital care within the period of a calendar year. With statistics like this, it stands to reason that thousands of Florida residents are struggling with medical bills after a slip, trip, or fall in a store, restaurant, or hotel. If you believe your fall or the slip of a loved one was a direct result of recklessness, connect with a Tampa personal injury attorney to discuss compensation options.

Four Years to File In Florida

When pursuing damage recovery, often negotiations begin with an insurance company. But if you are unable to secure the amount you need in order to be made whole again, a personal injury lawsuit could be a possibility. You have four years from the date of the injurious event under Florida Statutes Section 95.11. While this may first seem like a long period of time, understand that insurance negotiations can eat up a lot of this time. Working with a legal team you can trust as soon as possible is advised.

Accessing recovery for a slip and fall after any of the following hazards presented a risk could be possible:

• Floors that are wet, either from cleaning detergents or spills
• Torn carpeting or chipped tile
• Cables, wires, or cords that are not secured properly
• Obstructed sightlines or poor lighting
• Areas full of debris, garbage, or clutter

Of course, some of these issues happen to buildings and properties that are used daily. But owners and managers have a responsibility to provide space that is reasonably safe for their customers and the public. So, if a danger occurs, the area should be blocked off with a barrier or signage.

Talk to an Attorney About Your Situation

There are protections in place for business owners who make moves to shield the public from harm. For example, if a person dismisses or ignores clear signage, the owner or manager may not be liable. Share the specifics of your case with a Tampa personal injury attorney.

Are you ready to access financial recovery after slipping, tripping, or falling in Sarasota, Tampa, or Orlando? When another’s negligence caused your injury, discuss your case with a seasoned attorney as soon as possible. The aggressive legal team at HD Law Partners is committed to fighting for your rights. Our lawyers know how much claims are worth and will fight to secure the maximum compensation for you and your family. To access the recovery you need, call 813-964-7878 to schedule a free consultation.

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Ending a marriage is extremely stressful. While emotions can be a large part of the upset, there are also times when a pending divorce brings financial stress as well. If one spouse has been earning a lot more than the other, the spouse who does not have access to financial resources may worry about how they will be able to afford daily expenses on their own. Spousal maintenance payments could be an option, for either the husband or the wife. Many more women are breadwinners, and maintenance payments are possible regardless of gender.

If you are a husband who relies on his wife’s income, you are not alone. One report finds women earn more than their husbands in 4 out of 10 two-income families. It is not always easy to untangle the finances of a Florida union, particularly if the couple owns and operates a business or is high-net worth. To have your questions answered, connect with a Tampa family law attorney.

An Array of Factors Will Be Analyzed

There are a range of elements that will be assessed to decide how assets and debts will be divided and if either party is eligible for support once the divorce is finalized. While one or both individuals may have personal options about which gender should be responsible for financial security, financial documents are assessed assuming all assets and debts are gender neutral. Some of the factors that will be considered when it comes to financial awards include the following.

• How long has the couple been married?
• Did one individual give up an income to support the career goals of the other person?
• How much does each spouse currently earn?
• Is there future earning potential to consider?

When these and other questions have been fully answered, spousal support could be part of the divorce negotiation process. This is particularly true if one spouse is earning substantially more and the other spouse left the workforce years ago to support the earning spouse’s ambitions and take care of household obligations and care for children.

Talk to a Seasoned Florida Divorce Lawyer

Instead of worrying about your financial future and guessing what your budget will look like once your divorce is finalized, connect with a Tampa family law attorney to get the facts. Knowing what is possible will allow you to plan and navigate your divorce with confidence.

Do you believe you should be receiving spousal support after your divorce is finalized? Maintenance payments could be part of your divorce agreement when there is a large gap between incomes or resources. To learn what is possible given the details of your situation, talk to the legal team at HD Law Partners. Our experienced attorneys will review the documentation you have and will strategize a path forward. The skills and knowledge to guide you through the divorce process is available, simply connect with a legal expert. Whether you need advice on spousal payments or child support, we can help.  Call 813-964-7878 to schedule a free consultation.

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Your need for compensation may be clear to you. After all, if you were hurt in a Florida accident, it is natural to rely on insurance coverage to help you handle medical expenses and other fees. But, there are situations in which an injured party is surprised when their claim is reduced or denied.

It is important to know that there could still be a path to the resolution you are seeking. While you likely feel frustrated and defeated, talk to a Tampa personal injury attorney before taking the opinion of an insurance claims adjuster as the final word on the matter. If you were hurt because another party was negligent and you are now juggling medical fees and loss of income, an experienced lawyer can help.

Reasons for FL Claim Denials

Legal professionals are able to review your claim and the insurance policy in question. Depending on the injury sustained, there could be multiple parties involved. For instance, you may have filed for workers’ compensation benefits and the company is asserting the injury was due to the negligence of a third party, which could prompt a personal injury claim.

Objections, reductions, and denials can happen for a range of reasons. Any or all of the following factors could be pointed to by an insurance company that is trying to avoid paying out on a claim.

• Late filings. Many insurers deny claims because they are not filed within a set timeframe. There are deadlines that need to be followed to smooth the process and secure the best outcome for the injured individual.
• Injury sustained is not covered. Stating that an injury is not covered could be an insurance company suggesting the injury happened in a way other than the claim assets. For example, that your injury did not occur during a car accident and is therefore not covered under your vehicular insurance plan.
• Incorrect or insufficient information. Documentation is an essential part of a strong claim. If there is not the information required, such as medical records and police reports, a claim could be denied.

Lawyers are able to look over policies and identify any exclusions or exceptions. From there, a solution can be strategized.

Bring Your Questions to a Florida Attorney

Insurance negotiations can be complicated, bring your Florida injury questions to a Tampa personal injury attorney. A skilled lawyer will inform you of the value of your claim and share next steps with you, including if an appeal is possible after a claim is denied.

Were you shocked when your claim in connection with a Sarasota, Tampa, or Orlando accident was denied? Don’t worry, an appeal could result in the financial recovery you are seeking. To learn what is possible for you and your family, discuss your case with a seasoned attorney. The aggressive legal team at HD Law Partners is committed to fighting for your rights, from an initial filing through an appeal process, if needed. Our lawyers understand the value of claims and will fight to secure the maximum compensation. To access the legal support you need, call 813-964-7878 to schedule a free consultation.

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Private property owners typically have a legal responsibility to keep their premises “reasonably safe” for invited guests. This means that the owner must take reasonable steps to protect their guests from foreseeable hazards, including possible criminal activity. At the same time, however, the owner is not required to absolutely “insure” guest safety.

Federal Appeals Court Rejects Negligent Security Claim Against Cruise Ship Operator

A recent decision from the U.S. 11th Circuit Court of Appeals, Fuentes v. Classica Cruise Operator Ltd., Inc., illustrates the limits of such “negligent security” claims. This particular case arose on a cruise ship. Specifically, one passenger assaulted another passenger.

The plaintiff in this case took a cruise with his wife on the defendant’s ship. One night, there was a verbal altercation between the plaintiff and another passenger. This encounter did not lead to any physical confrontation.

The next morning, however, as the passengers disembarked the ship, the plaintiff again encountered the other passenger. The plaintiff said the other passenger was trying to cut the line to disembark. This led to another verbal altercation. One of the ship’s security officers noticed this exchange, radioed for backup, and approached the two men. The security guard advised both parties to “calm down.” But the other passenger quickly turned and punched the plaintiff in the face. A fight ensued and the plaintiff was knocked to the ground.

The plaintiff subsequently filed a negligent security lawsuit against the defendant. A federal court in Florida granted summary judgment to the defense after finding there was no evidence that the cruise ship company could have reasonably foreseen this incident. On appeal, the 11th Circuit agreed.

The appellate court explained this case was governed by federal maritime law as opposed to state personal injury law, although the principles governing these types of claims are largely the same. Essentially, the plaintiff must prove that the defendant’s employees could have reasonably foreseen a passenger-on-passenger attack.

Typically, a cruise line is on notice of such risks based on prior incidents. For example, the 11th Circuit cited a prior case where a cruise operator was “on notice” that passengers could be injured in a port of call with a well-known reputation for criminal activity. In that case, the passenger could sue the cruise line after being shot by a local criminal gang. In this case, however, the defendant had neither actual or constructive notice that the plaintiff could be attacked by another passenger. For that matter, a security guard did intervene during the second verbal altercation but the attacker acted too quickly and without warning for ship security to respond. Under these circumstances, the 11th Circuit said the cruise operator could not be held legally responsible for the plaintiff’s injuries.

Speak with a Florida Negligent Security Lawyer Today

If you have been injured on someone else’s property and you believe the owner took insufficient action to prevent your damages, it is best to speak with a qualified Florida private security attorney as soon as possible. Contact HD Law Partners today to schedule a free consultation.

Source:

media.ca11.uscourts.gov/opinions/pub/files/202014639.pdf

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In Florida insurance law, an appraisal provides a means of resolving a dispute between the insurer and the policyholder regarding the amount of a covered loss. Appraisal is not meant to resolve whether a claim is insurable to begin with. Rather, it provides a way to arbitrate the question of how much the insurer owes to the policyholder.

Florida Court Rules Appraisal “Premature” Since Condo Association Failed to Document Its Claims

The key to appraisal is that it requires a genuine disagreement between the parties. This might seem obvious, but there have been a number of Florida cases where courts have found that appraisal is “premature” as the parties have not engaged in a “meaningful exchange of information” to demonstrate that a dispute exists.

Just recently, the Florida Third District Court of Appeals addressed this subject. In Certain Underwriters at Lloyd’s, et al. v. Lago Grande 5-D Condominium Association, Inc., a condominium association filed a claim with its insurer for damages sustained to the association’s buildings during Hurricane Irma in September 2017. The insurer acknowledged coverage for a portion of the claim and paid the association approximately $137,000.

Several months later, the association sued the insurer for alleged underpayment. The association also moved to compel appraisal, as required by the terms of the insurance policy. A judge granted the appraisal motion, prompting the insurer’s appeal.

The Third District sided with the insurer, agreeing that appraisal was premature. The appellate court noted the association had been “silent” following the initial partial payment of its claim. The association simply waited 10 months and then filed a lawsuit. At no point, however, did the association make any attempt to present its own estimates of the hurricane damage or the costs of making repairs to its property. Indeed, even after filing its lawsuit, the association failed to present any such evidence to the trial judge.

As the Third District explained, appraisal is only triggered under Florida law after there has been a “meaningful exchange sufficient to establish a disagreement regarding the value of property or the amount of the loss.” The association’s decision to remain silent for months after receiving the insurer’s payment did not, in and of itself, establish a “genuine disagreement” existed. Put another way, a policyholder cannot simply complain the insurer did not pay them enough. The policyholder must show its work and actually present proof establishing what they think they are owed. As such, the association here was not entitled to demand an appraisal at this time.

Speak with a Florida Insurance Lawyer Today

Insurance policies are legal contracts that impose duties and responsibilities on both parties. So if you are involved in a potential insurance dispute, it is important that you understand these duties and comply with all of your legal obligations. Otherwise, you might find yourself in trouble should litigation arise.

If you need advice or representation from an experienced Tampa insurance litigation attorney, contact HD Law Partners today to schedule a consultation.

Source: https://3dca.flcourts.org/content/download/836598/opinion/210636_DC13_05042022_101351_i.pdf

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