Uncategorized - Philips & Raaymakers Law

3rd Annual Hope Scholarship Announced

ABSLMM — Fri, 17 Feb 2023 19:44:14 +0000

Click the photo to be taken to the Hope Scholarship application.

The post 3rd Annual Hope Scholarship Announced first appeared on Philips & Raaymakers Law.

Insurance claim denied?

ABSLMM — Fri, 25 Feb 2022 19:46:26 +0000

An insurance policy is a contract, and thus the language in that policy dictates and governs what the rights and obligations of the parties to that contract can expect. When an insurance company denies a claim based on the policy, they are typically relying on language in that policy/contract that they interpret as allowing them to not have to pay on a claim for damages.
Throughout our years of practicing personal injury litigation, we have developed a reputation of fighting insurance coverage issues that were preventing our clients from collecting for their damages from insurance policies that were in effect at the time of the injury. Our firm’s experience in insurance defense litigation has allowed us to fight successfully and vehemently for our clients in coverage disputes.
Recently, we had a case where our client was injured in a horrific ATV accident on a wooded, vacant lot. The ATV owner/driver’s policy of insurance allegedly required that the ATV be used on the insured’s property where it was garaged for the insurance to pay for the ATV owner/driver’s liability for our client’s injuries. I argued that the language in the policy was vague and ambiguous and that a policy for an ATV would be expected to cover injuries occurring off the insured owner’s property since that was where an ATV would typically and normally be used. We were able to get the insurance company to tender their policy limits of $300,000.00 based on this litigation battle.
Sarah had a case last month in which she was litigating against an insurance company on behalf of the spouse of her injured client. Under Florida law, a spouse is entitled to pursue damages for their own losses arising out of their spouse’s horrific injuries. The insurance company denied the claim based on the language in the policy that they said prevented a spouse from collecting for her damages. Sarah argued inconsistencies and vagueness in the policy and was able to win the policy limits of $100,000.00 for her client’s spouse.
Finally, several weeks ago, Sarah and I were able to argue contract language in our client’s auto insurance policy that allowed him to collect for 25 days of rental car coverage when the insurance company was arguing that they were only responsible for 3 to 5 days of rental car expense. This was a protracted battle that involved a $120.00 rental expense but resulted in a recovery for the client that was four times that amount.
At Philips & Raaymakers, no insurance battle is too big or too small. We relish the opportunity to fight for our clients to obtain insurance coverage where the insurance company is trying to deny our clients justice. Obtaining compensation for our clients is only half the battle. Obtaining insurance coverage is the first and foremost fight to surmount.
We are always here for YOU!

Chuck and Sarah

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Sarah addresses BNI local business group

ABSLMM — Tue, 08 Feb 2022 21:45:21 +0000

Sarah is an active member of the local BNI chapter that works at promoting networking amongst local businesses.

The post Sarah addresses BNI local business group first appeared on Philips & Raaymakers Law.

Thank you

ABSLMM — Tue, 18 Jan 2022 20:52:48 +0000

We want to say THANK YOU to everyone who contributed to our Annual Charity Toy Drive! Your donations and support were overwhelming, as always.

For several years, the firm has collected much needed supplies and toys for two charities during the holiday season and we match what is collected. The RAP House and Johns Hopkins All Children’s Hospital are so very grateful for EVERYTHING they received that helped to create a meaningful and memorable holiday experience for the children.

We want to thank each and every one of you who took the time to purchase a listed item, buy a gift card or two, or drop a check off for children in need! You truly impact the lives of those who receive these gifts!

Thank you.

Chuck and Sarah

The post Thank you first appeared on Philips & Raaymakers Law.

Happy Holidays

ABSLMM — Fri, 24 Dec 2021 20:03:59 +0000

From all of us to all of you.

The post Happy Holidays first appeared on Philips & Raaymakers Law.

Things you should know!

ABSLMM — Thu, 19 Aug 2021 16:00:20 +0000

The post Things you should know! first appeared on Philips & Raaymakers Law.

About No Fault Repeal

ABSLMM — Thu, 29 Jul 2021 11:36:57 +0000

Florida No Fault Repeal – Where Does it Stand and What Does it Mean?
In April, the Florida Legislature passed a bill (SB 54) that, if it had gone into effect as
planned on January 1, 2022, would have repealed the Florida No Fault Statute. The bill
received popular support, passing in the House with a vote of 100 to 16 and in the Senate
with a vote of 37 to 3.
The current Florida No Fault system requires Florida drivers to carry a minimum of
$10,000 in no fault (PIP) benefits. PIP coverage can pay for a percentage of medical bills
and, in some cases, compensate accident victims for a percentage of their wage loss. It also
pays right away and regardless of whether the individual was at fault for the accident.
Under SB 54, PIP coverage would have been eliminated, and instead, Florida drivers
would have been required to carry a minimum of $25,000 per person and $50,000 per
accident in bodily injury liability coverage on their auto insurance. This means that in the
event of an auto accident, in theory there would be at least $50,000 total in coverage
available to the victims, with no individual victim able to claim more than $25,000.
As of now, Florida does not require drivers to carry any bodily injury liability coverage,
which unfortunately means than in some circumstances there is no insurance coverage at
all, beyond the $10,000 in PIP, to compensate victims for their medical bills, wage loss,
future medical expenses, or pain and suffering.
Last month, Governor Ron DeSantis exercised his right to veto this bill, preventing it from
becoming law. This means that the current No Fault system that is in place will continue,
and the Florida Legislature will have to go back to the drawing board.
Keep in mind that even if SB 54 had gone into effect, it would still be crucial for Florida
drivers to purchase uninsured/underinsured motorist (UM) coverage on their vehicles.
Even with mandatory bodily injury liability coverage, having UM is the only way to
guarantee that you have enough coverage to protect you and your loved ones. Certainly,
with no liability coverage requirement at all, UM coverage remains the most important
coverage to purchase.
Be sure to check your policies and make sure you understand your particular coverage,
because you cannot purchase what you need after the accident has happened. Making sure
that you have collision coverage, rental coverage, understanding your deductibles, and
knowing whether you have stacking, or non-stacking UM coverage are all important. We
would encourage you to consult with an insurance professional in purchasing your auto
insurance so that you can make sure you are comfortable with your coverage and that you
understand it.
Stay safe out there and know that we are always here for you.
Chuck and Sarah

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