car accident injury lawyer

October 12, 2019

Why Those Injured in Car Accidents are Required to Repay Health and Auto Insurers

For those injured in a car accident, the term “subrogation” can seem foreign. Given that it deals with complex insurance benefits and contracts and that such negotiations often occur between insurers and attorneys behind the scenes, most never have much cause to consider it. But if you’re injured in a Fort Lauderdale car accident, health insurer or auto insurer subrogation rights can have a substantial impact on the amount you actually collect, so it’s important to have at least a basic concept of what it entails. car accident lawyer

What is Subrogation?

The term “to subrogate” means to substitute one party for another with regard to a legal claim or debt. The purpose of subrogation is to enforce final payment of compensation from the driver who was at-fault – and to prevent double recovery.

So after a car accident, let’s say your underinsured auto carrier covers a percentage of your lost wages. If you win a claim against the other driver – and part of the damage award includes lost wages – your UIM insurer would have a subrogation right to reclaim all or some of its money from your damage awards. Continue reading

November 21, 2016

West v. United Services Auto Ass’n – Asserting Bad Faith Insurance

By Ansara Law Personal Injury Attorneys

Insurance companies – whether they are dealing with first-person or third-party claims – owe a duty to act in good faith toward an injured person. Generally, though, the duty owed toward an insured is greater than that owed to a third party. In general, adjusters are not acting in bad faith simply because there is a difference of opinion about the value of the claim. However, improper settlement tactics, withholding specific reasons for a very low settlement offer and some other actions, could be evidence of bad faith.

This is why it’s often beneficial for car accident victims to seek assistance in settlement negotiations with insurance companies, particularly if the injuries involved are serious and the effects long-lasting. There is much at stake in bad faith insurance claims, which can sometimes result in plaintiff being awarded triple the amount of damages.

In the recent case of West v. United Services Auto Ass’n, there were numerous parties involved in this car accident injury lawsuit. Although the district court granted a summary judgment for the plaintiff, holding the insurance company was liable for bad faith and ordered payment of $1.4 million to his guardian ad litem. The state supreme court in Montana reversed. Continue reading

April 12, 2016

Roddey v. Wal-Mart Stores – Shoplifter Wrongful Death Case Proceeds

By Ansara Law Personal Injury Attorneys

Usually, perpetrators fleeing a crime scene will be afforded little protection under the law for injuries they sustain as a result.

However, there are exceptions and it’s important to consider that under Florida’s comparative fault statute, F.S. 768.81, those who are partially to blame for their own injuries can still collect damages from others who shared responsibility.

The recent case of Roddey v. Wal-Mart, though not a Florida case, is a good example of this. In this South Carolina Supreme Court case, justices were asked to decide whether lower courts erred in issuing a directed verdict in favor of a store whose contracted security guard chased down an alleged shoplifter – with fatal consequences. Continue reading