Insurance Adjusters and Personal Injury Claims

By John Mordecai P.A.

Contrary to their TV ads, insurance companies don’t really care; they are profit driven corporations. State Farm is not really a good neighbor and Allstate doesn’t actually hold you in good hands. State Farm and Geico, like many other companies, spend millions in advertising to give the impression that they are on the consumer’s side.  It’s only after one of their insurance adjusters makes an appearance when a claim is filed that most consumers realize their insurance company is not their friend.  In fact, while they offer policies at competitive prices, all insurance companies are known to be notoriously unreasonable when it comes to settling a claim. For instance, many lawyers have described situations in which insurance companies have offered $1,850.00 to settle a case when their client has unpaid medical bills exceeding $2,000.00. Not only do such offers fail to cover medical expenses, they fail to compensate injury victims at all for the permanent injuries they may have suffered. The result is that Insurance companies and their policyholders get sued far more often than should be necessary.

Bicycle and Pedestrian Personal Injury Victims: Danger in Duval County

By John Mordecai P.A.

Florida is one of the three most dangerous states in the United States for pedestrians, bicyclists and motorcyclists; that is especially true in Duval County. Cyclists are at risk for serious injury due to negligent inattention and lack of awareness by drivers. For example, in 2018 and 2019 the total number of traffic fatalities in the entire state of Florida was similar. However, in Duval County, the number of fatal crashes has continued to rise. Eighty one of the one hundred sixty three people who died on Duval County roads were pedestrians, bicyclists or on a motorcycle - not in cars, SUVs or trucks.

Slip or Trip and Fall Injuries - Things to Do and a Few Not to Do

By John Mordecai, P.A.

Slippery surfaces, wet surfaces, foreign liquids and debris, inconspicuous bumps, humps and   If you were injured because of a fall, you may have a premises liability claim if it can be shown that the fall was caused by a hazard the property owner knew about but failed to correct. It may not be possible to accomplish all of these suggestions but accomplishing any of them will be helpful to your case: elevation changes, broken or loose tile, raised or tattered carpeting, broken or unsturdy stair banisters, poor lighting and exposed holes all cause trip or slip and fall injuries.

The Cause - Identify the substance or condition that caused the fall. Those could include liquids, foreign objects and debris; some examples are: detergent, water, cooking oil, dried beans, sand, freshly mopped floors or unshelved store merchandise on the floor.

“Full Coverage” Is Not Full Coverage In Florida; You Need UM Coverage Too.

By John Mordecai, P.A.

The phrase “full coverage” is a misleading insurance industry marketing term to convince drivers that they are buying all the insurance coverage protection they need - at a great price. The phrase is a marketing ploy to sell insurance. “Full coverage” actually means that you may be purchasing the bare minimum of coverage required to legally register a car in Florida.

What to Do After Being Involved in a Car Crash

By John Mordecai 

There is no way to anticipate being involved in a crash. Car and truck crashes happen in a split second but can change lives forever. Injury victims must deal with pain, suffering, inconvenience, and lost income – not only temporarily but frequently over the course of a lifetime. No one is ever prepared when an injury occurs, so the attorney you choose has to be.

Choosing Your Attorney After You've Been Injured

By John S. Mordecai

I don’t advertise and I’ve never represented insurance companies. New clients come to me because former clients trust me to help their family and friends.

People trust me to get them through tough times.

Choosing the right lawyer for you is essential. When you need someone to enforce your rights and to champion your interests, I will help you.

Your lawyer not only needs to be preeminent in the practice of personal injury law but must genuinely care about you and your plight. He has a duty to achieve the best possible result for you while guiding you through each step of the process.

No one is ever prepared when an injury occurs, so the attorney the attorney you choose has to be. Car and truck crashes and slip and falls happen in a split second but can change lives forever. Injury victims must deal with pain, suffering, inconvenience, and lost income – not only temporarily but frequently over the course of a lifetime.

What is PIP or "No-Fault" Insurance and Who Does it Benefit?

By John S. Mordecai

PIP or personal injury protection insurance is essentially $10,000.00 in medical insurance for car and truck crash injuries; it also available to pay some wage loss. Hospitals and doctors should bill your PIP insurance company directly. Thus, it is necessary that you provide your automobile insurance card, and you claim number if available, to every hospital and doctor that treats you so that the cost of your visit can be billed.

PIP is referred to as “No Fault” insurance because it pays for both medical treatment and wage loss – no matter who was “at fault” for causing the crash. This means that you do not have to prove who was, or was not, at fault for the crash. So, even if you cause a crash, your PIP insurance company still has to pay your medical expenses; for example, if you are injured after intentionally leaving the roadway to avoid hitting a pedestrian. Similarly, if a negligent driver hits your car, Florida law nonetheless requires that your own PIP insurance pay for the first $10,000.00 in covered expenses – even if you did nothing wrong. Good News: The fact that your insurance company has paid your medical expenses will not result in an increase of your insurance premium – as long as you are not at fault for the crash.