<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:georss='http://www.georss.org/georss' xmlns:gd='http://schemas.google.com/g/2005' xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-2197650697010299438</id><updated>2011-07-28T18:16:02.292-07:00</updated><title type='text'>Panama City Personal Injury Laws and Information</title><subtitle type='html'>This blog teaches you how to be prepared in the event you are injured in any kind of accident. Provided by Panama City Attorney Douglas Dykes, this information is important to anyone who lives in these Florida towns and cities: Panama City, Panama City Beach, Marianna, Chipley, Vernon, Blountstown, Port St. Joe, Apalachicola, and all surrounding areas.</subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default?max-results=100'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>14</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>100</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-8580369019569848538</id><published>2010-07-29T19:25:00.001-07:00</published><updated>2010-07-29T19:26:41.291-07:00</updated><title type='text'>Our Blog Moved to Our Website!</title><content type='html'>Please visit &lt;a href="http://www.syfrett-dykes.com"&gt;www.Syfrett-Dykes.com&lt;/a&gt; to read our newest blog posts. Thank you!&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-8580369019569848538?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/8580369019569848538/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2010/07/our-blog-moved-to-our-website.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/8580369019569848538'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/8580369019569848538'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2010/07/our-blog-moved-to-our-website.html' title='Our Blog Moved to Our Website!'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-523647880024846361</id><published>2009-08-01T07:17:00.000-07:00</published><updated>2009-08-01T07:33:05.835-07:00</updated><title type='text'>Car Insurance Tips For You!</title><content type='html'>Let's face it, we all want to be protected by our car insurance.  The bad news is no single car insurance coverage takes care of everything you need in the event of a crash.  The good news is you can be protected with some very basic information.&lt;br /&gt;First, you need to know the car insurance lingo.&lt;br /&gt;PIP - stands for personal injury protection.  Pays your medical bills and lost wages (stops at $10,000) no matter who is at fault.  IT IS REQUIRED IN FLORIDA.&lt;br /&gt;PD - stands for property damage.  If you run into someone and its your fault - it pays to fix their car.  Minimum limit is $10,000 and IT IS REQUIRED IN FLORIDA.&lt;br /&gt;&lt;br /&gt;No other coverages are required in Florida at this time!  &lt;br /&gt;&lt;br /&gt;Now, we have the question - what pays to fix my car if I was at fault?  This would be your collision coverage - if you purchased this.  What pays to fix my car if a tree falls on it?  This would be your comprehensive coverage - if you purchased this.  What pays for my injuries and any losses above the $10,000 paid by PIP.  This would be your Uninsured/Underinsured Motorists coverage - if you purchased it.  So, in short, please don't fall into the FULL COVERAGE COMFORT ZONE.  I call it a comfort zone because people think they have FULL COVERAGE and they are okay so they forget about their car insurance altogether.  But, when the crash happens, and then its too late, they learn for the first time there is no such thing as full coverage.  &lt;br /&gt;&lt;br /&gt;For more detailed information on this topic please download my book for free at our website - &lt;em&gt;The Ultimate Consumer Guide to Automobile Insurance in Florida&lt;/em&gt;.  As a bonus, in the back of the book you will also find several great tips on how you can save money when you are buying your car insurance and still get the coverage you need.&lt;br /&gt;&lt;br /&gt;Take care and God Bless!&lt;br /&gt;Douglas B. Dykes, Esq.&lt;br /&gt;ddykes@syfrett-dykes.com&lt;br /&gt;(850) 785-3400&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-523647880024846361?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/523647880024846361/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/08/car-insurance-tips-for-you.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/523647880024846361'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/523647880024846361'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/08/car-insurance-tips-for-you.html' title='Car Insurance Tips For You!'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-8031656806475467846</id><published>2009-06-18T09:37:00.000-07:00</published><updated>2009-06-18T10:09:35.380-07:00</updated><title type='text'>What is Your Plan?</title><content type='html'>&lt;embed type="application/x-shockwave-flash" src="http://picasaweb.google.com/s/c/bin/slideshow.swf" width="288" height="192" flashvars="host=picasaweb.google.com&amp;hl=en_US&amp;feat=flashalbum&amp;RGB=0x000000&amp;feed=http%3A%2F%2Fpicasaweb.google.com%2Fdata%2Ffeed%2Fapi%2Fuser%2Fsyfrettdykes%2Falbumid%2F5348714559919507057%3Falt%3Drss%26kind%3Dphoto%26hl%3Den_US" pluginspage="http://www.macromedia.com/go/getflashplayer"&gt;&lt;/embed&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;I want to talk to you today about something very important and that is what is your plan in the event of an automobile accident. These happen on a regular basis and the problem is we don’t take the time to stop and think about when it happens to us what are we going to do?&lt;br /&gt;&lt;br /&gt;      So I want to encourage you today to think about what am I going to do when this happens to me, and planning is what prevents problems. In life we know that things are going to happen, we know that unfortunately people are going to get sick so we go out and buy health insurance. We know that unfortunately we are going to have a car breakdown so we go out and get routine maintenance on our cars. Well in life we also know that automobile accidents are going to happen. It’s just going to happen; it is a fact of life. &lt;br /&gt;&lt;br /&gt;      I started out with some of the power players, not what Doug Dykes told to me but think about what some of the people that are a whole lot smarter than me have said – Benjamin Franklin tells us that an investment in knowledge always pays the best interest. That is what we are here about today is some knowledge and some planning for you. He also tells us by failing to prepare, you are preparing to fail. Absolutely true, absolutely true. &lt;br /&gt;&lt;br /&gt;      So what we are going to do today is we are going to game plan for each and every one of us so that if and when our time comes and we have a car accident which won’t be because we did something wrong, it will be because unfortunately someone else wasn’t paying attention, they were talking on the cell phone, they were looking other ways, they were driving like I drive and a wreck has occurred. Final quote to get us going Paul Bear Bryant – “Have a plan, follow the plan and you will be surprised how successful you can be, most people don’t have a plan that is why it is easy to be most folks.”&lt;br /&gt;&lt;br /&gt;      So let’s keep going this morning. Before you’re in the car accident you need to plan. There are some things that you need to do. You can’t wait until after it has happened and then say I am going to fix it now. You have to do a couple of things ahead of time. What you have to do ahead of time is go ahead and realize that unfortunately the other party, their plan does not include paying your bills, and their plan does not include paying your medical bills. That is not on their agenda so you need to realize that and go ahead and take the steps upfront. &lt;br /&gt;&lt;br /&gt;      The number one thing I want you to do is review your auto insurance policy. I brought mine today I am going to pass it around. If you need help reviewing yours I will be glad to speak with you. Paula Harris from Bars Insurance will be glad to help you with that. Basically there is a coverage called, UM/UIM coverage that stands for under insured / under insurance motor coverage. If you don’t have it you need it. If you don’t have it you need it; If you don’t have it you need it. That’s how serious I am about this. Always buy it, always make it stackable. If you want to know more about automobile insurance just go to our website I have got the book on The Ultimate Consumer Guide – Automobile Insurance. It is there for you, it has got great information.&lt;br /&gt;&lt;br /&gt;      We don’t have time to go into all the details today, but on the UM coverage that is the first thing you have got to do to get your plan in order. The first thing you have to do. I am going to pass around, I brought today my own UM policy, my own automobile insurance policy and I also brought with me what the Florida legislator says about this type of coverage. I think it is very significant. It says whenever you don’t buy it you have to sign something that reads as follows – “You are electing not to purchase certain valuable coverage which protects you and your family, or you are purchasing uninsured motorist limits less than your liability limits when you sign this form. Please read carefully.” &lt;br /&gt;&lt;br /&gt;      That’s our warning folks. They are telling us stop and get this coverage. They are urging us, they are encouraging us, and this comes from Florida statute 627.727. Now one of the things I want you to do when you call your insurance agent, if they say ‘Well you know, that’s not really that important, and some people if you have got health insurance you don’t need it, and if you have got this you don’t need it’ you tell them ‘No madam, Doug Dykes and the Florida legislator said I need to buy this coverage and I am going to go ahead and buy it. So I am going to go ahead and pass that around for you take a look at it. There is something on the second side of the flyer that we are going to talk about here in a second as we get ready to close.&lt;br /&gt;&lt;br /&gt;      Life tip – when you buy that insurance always buy it like you are going to use it. Always buy it like you’re going to use it. Don’t buy it just to get a tag and just to get title insurance for your car so you can drive – buy it like you might need it. &lt;br /&gt;&lt;br /&gt;      Next thing, planning ahead prevents problems and financial losses – don’t plan on the person that hits you to take care of your problem. When you can’t get to work that is going to be your problem not their problem. When your car is in the shop for three weeks that is your problem; when you have medical bills that is your problem. Don’t plan on their insurance company to take care of your problems. This is about you and individual responsibility and you taking the steps now to make sure you are protected and so is your family. &lt;br /&gt;&lt;br /&gt;      We just heard a great presentation about the need for planning for college, go ahead and start planning now. If you take the steps and do the right thing whenever your child or grandchild is 18 years old college is in the bank. It’s paid for, it’s done but you have got to start. You have got to have a plan. &lt;br /&gt;&lt;br /&gt;      As we just mentioned the car crash is your problem, it may have been caused by somebody else but now it is your problem, so we have already got step one in the bank. We brought uninsured motorist coverage, and my policy is passing around, 35 cents a day is what I pay for $250,000 of uninsured motorist coverage, 35 cents a day. Is my family and my career worth 35 cents a day? Is your family and your career worth 35 cents a day? Absolutely, positively.&lt;br /&gt;.&lt;br /&gt;      The insurance company, do they have a plan? Absolutely, they have a plan. It’s not a bad plan; it’s a good plan. Here is their plan - collect premiums and minimize losses. It’s not bad. They got to do something else; they want to increase the difference between the two. They want more in the middle okay and they want to do… the realization is not a bad plan; it’s not a bad plan. &lt;br /&gt;&lt;br /&gt;      We all work hard every day; we want to keep more of what we earn. That is just good common sense. Don’t blame the insurance company. They are simply using a smart business plan; a smart business plan. &lt;br /&gt;&lt;br /&gt;      Today is your opportunity for you to go ahead and get a plan in order for yourself and for your family so that you have got everything in order if and when the day comes you are prepared. Businesses need documentation, and they want solid reasons to spend money. Every business is like that. If I go out to Kevin Viven Photography and say “Look Kevin, you need to put me on a retainer to help me to help you whenever you have problems” he’s going to want to know why, why, why. &lt;br /&gt;&lt;br /&gt;      Insurance companies are like businesses they want to know why, they want documentation, they want good reasons. What we go ahead with this plan we are getting fixed with and ready to unfold for is go ahead and realize that upfront and make sure that we have our plan in place. Your plan starts today and it starts right now.&lt;br /&gt;&lt;br /&gt;      Your insurance policy, what you see passing around is called a declarations page and that is where you see the uninsured motorist coverage. You have got to make sure you have that because without that you are taking a big chance that the other driver took the time to buy the adequate kind of coverage to take care of you and your family. Under Florida law, the other driver is not required to carry something that is called bodily injury liability coverage. That is the coverage that comes in and helps you in the event you have a broken arm and can’t work for three months. That is the coverage that helps you in the event that your child was going to be a model now they have got a scar on their face and they are not going to be a model anymore. &lt;br /&gt;&lt;br /&gt;      Bodily injury coverage is what helps you and the Florida legislator, at this point doesn’t require the average motorist to carry it so the way you protect yourself is buying all the UM coverage you can. In the event of an accident make sure the police are called and a report is filed. There is so much critical information that is obtained on the scene, by the authorities that you are going to need in the event that you are going to take the steps necessary to really protect yourself and your family. Seek medical treatment if you are injured. It sounds simple but you need to go ahead and take that step and get checked out, you need to take that step and get checked out. &lt;br /&gt;&lt;br /&gt;      If you have got further questions by all means call me. I am happy to answer them. Just because you call me that doesn’t mean I am your lawyer; just because you called me that doesn’t mean that I have got to handle everything for you. It just means that I am there to help you because I want you to have a plan. I want you to have a good plan, a plan that works. &lt;br /&gt;&lt;br /&gt;      Along with calling me don’t give a taped statement to the insurance company, don’t do it – wait and talk with an attorney that is on your side first and figure out what the insurance company’s plan is and then try and help yourself. Go ask any criminal offence attorney you know and say “What is one of the number one things that happens to people that causes them more problems after something bad goes wrong than anything else?” and they will tell you the simple Miranda Rules. You have the right to remain silent. They blow that rule and those statements stay with them from then on, and they haunt them and they haunt them. Unfortunately your taped statement can haunt you after an auto accident. Don’t give one until you know what the questions are going to be and you have had time to think about what your answers should be. &lt;br /&gt;&lt;br /&gt;      The next thing is just some simple photographs, pictures are worth a thousand words still holds true, your injuries, the vehicle, the scene, and then finally there is another book for you called The Ultimate Consumer Guide to Personal Injury Cases also available on our website &lt;a href="http://syfrettdykes.com/" target="_blank"&gt;syfrettdykes.com&lt;/a&gt;. Start reading that, get that knowledge. Get that knowledge.&lt;br /&gt;&lt;br /&gt;      So here is your plan summarized, five points; your policy, the police, the physician, the phone and photos – and what you can do by doing that is you have got a plan, you are ready to go so in the event that this comes into your life, because it is going to come in a millisecond. You aren’t going to be expecting it and it is going to rock your world unfortunately, so what you can do is go ahead and take those steps today to be prepared. &lt;br /&gt;&lt;br /&gt;      I want to mention one thing before I close, also passing around the folder is something that deals with windstorm mitigation, and windstorm mitigation really has nothing to do with my practice area, nothing at all, but in Florida the legislator passed a law that said you’re entitled to windstorm credits in the event that your house gets inspected by the proper person, and those credits in essence means money in your pockets. Well, you get that knowledge and you say that is wonderful. The knowledge you get today you say that’s wonderful, but until you take action on that knowledge it is not going to help you at all. The article is passed around about windstorm credits was something that come into me and I sat there and I put in on the shelf, and I didn´t do anything about it and I came back to it and my mom said I got this in the paper and I did this and it really helped me out a lot. &lt;br /&gt;&lt;br /&gt;      I said if it is good enough for my mom then it is good enough for me. So you will see in the folder that is being passed around I finally took action and yesterday I got two checks in the mail, one for $477 and one for $17, and it made my day. It’s because I took action, because I took action and that is what I encourage you to do today. Take action; put your future and safety not in jeopardy, by having a simple plan; the policy, the police, the physician, the phone, the photos.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-8031656806475467846?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/8031656806475467846/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/06/what-is-your-plan.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/8031656806475467846'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/8031656806475467846'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/06/what-is-your-plan.html' title='What is Your Plan?'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-3412823575402095257</id><published>2009-05-05T11:09:00.000-07:00</published><updated>2009-08-01T07:17:38.267-07:00</updated><title type='text'>Homeowner’s Wind Mitigation Discounts</title><content type='html'>At Florida Statute § 627.711 the Florida Legislature passed a law that requires insurance companies to issue discounts if your home has certain features that complies with certain recent building code requirements.  Rather than me bore you with all the details of the law, I have created a simple easy checklist for you to follow to save YOU money.&lt;br /&gt;&lt;br /&gt;&lt;ol&gt;&lt;li&gt; Go to &lt;a href="http://www.fldfs.com/ICA/Adv-Mitigation.asp"&gt;http://www.fldfs.com/ICA/Adv-Mitigation.asp &lt;/a&gt;where you will find all of the details to explain what the law is designed to do and information from the Office of the Insurance Consumer Advocate.&lt;/li&gt;&lt;li&gt;Go to &lt;a href="http://www.mysafefloridahome.com/"&gt;http://www.mysafefloridahome.com/ &lt;/a&gt;where you will find the form you need have completed to turn into your insurance agent to obtain your savings.  The form is called the Uniform Mitigation Verification Inspection Form. The form is also known as OIR-B1-1802. You have to follow the links and you will see it. The form can only be completed by certain licensed professionals&lt;/li&gt;&lt;li&gt;Details are spelled out for you directly in 627.711 – which you will find at &lt;a href="https://www.flrules.org/gateway/ruleNo.asp?ID=69O-170.017"&gt;https://www.flrules.org/gateway/ruleNo.asp?ID=69O-170.017&lt;/a&gt; &lt;/li&gt;&lt;li&gt;Pull out your Homeowner’s Insurance Policy and get ready to call your agent.&lt;/li&gt;&lt;/ol&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-3412823575402095257?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/3412823575402095257/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/05/homeowners-wind-mitigation-discounts.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/3412823575402095257'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/3412823575402095257'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/05/homeowners-wind-mitigation-discounts.html' title='Homeowner’s Wind Mitigation Discounts'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-5565840273385704162</id><published>2009-04-25T05:25:00.000-07:00</published><updated>2009-04-27T14:34:05.281-07:00</updated><title type='text'>Save on Homeowners Insurance with Wind Mitigation Discounts</title><content type='html'>&lt;a href="http://www.syfrett-dykes.com/wind-mitigation.pdf"&gt;Download a free PDF &lt;/a&gt;about how you can save money by implementing hurricane-resistant features in your home.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-5565840273385704162?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/5565840273385704162/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/04/save-on-homeowners-insurance-with-wind.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/5565840273385704162'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/5565840273385704162'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/04/save-on-homeowners-insurance-with-wind.html' title='Save on Homeowners Insurance with Wind Mitigation Discounts'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-2960404914364910994</id><published>2009-02-24T17:35:00.000-08:00</published><updated>2009-02-24T17:54:02.918-08:00</updated><title type='text'>Practice Makes Perfect</title><content type='html'>You've probably heard that statement many times before.  Waiting for a deposition to start recently that old adage became even clearer to me.  A deposition is where the attorneys go and talk to a witness prior to trial to learn what the witness is going to say at trial.  The witness is under oath so his story can't change later without sacrificing his/her credibility.  As we were waiting to start, I heard the Defense attorney make an interesting statement.  His statement was it is "always easier to tear down than it is to build."  In today's legal world that couldn't be any more accurate.  For the injured person to make a recovery and receive justice after their accident, they literally have to build their case.  In building their case, they have the burden of producing evidence evidence to support each and every element of their claim and that evidence has to be strong enough and persuasive enough to convince a jury that the injured party is entitled to justice. &lt;br /&gt;&lt;br /&gt;What does the Defense/Insurance company have to do?  Tear down the injured party's case.  Find any weaknesses.  Exploit the weaknesses.  Attack the weakness.  Dig.  Dig.  Then dig some more. Create confusion, uncertainty and doubt in the mind of the juror's and the foundation of the case is crumbling.  Net result - the insurance company pays less or nothing on the claims and makes larger profits.  The injured party does not receive justice or they are forced to settle their claim at a substantial discount.  Don't let this happen to you!  Get good solid information about how injury cases are handled and what you really need to do to protect yourself and your rights.  Don't go it alone. The insurance company has been practicing and while they are not perfect at defeating claims - they are very, very good at it.  Good luck with your case and if I can answer any questions call me at (850) 785-3400. Take care and God Bless! Doug&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-2960404914364910994?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/2960404914364910994/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/practice-makes-perfect.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/2960404914364910994'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/2960404914364910994'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/practice-makes-perfect.html' title='Practice Makes Perfect'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-7502915136917332</id><published>2009-02-23T19:55:00.000-08:00</published><updated>2009-02-24T17:35:17.609-08:00</updated><title type='text'>Why Do I Still Need Uninsured Motorist Coverage When I Have Health Insurance?</title><content type='html'>I know the title is a mouthfull but it is a good question and a common question that I ran into the other day. I am always telling &lt;em&gt;everyone&lt;/em&gt; to buy uninsured motorist coverage and to buy all they can. If the other driver is at fault, uninsured motorist coverage can help you pay medical bills, recover past and future lost wages, recover for your past and future pain and suffering, recover future medical bills. It does so much more than health insurance coverage do that you MUST have it on your automobile insurance. The concept that all uninsured motorist coverage does is pay medical bills is not the complete picture.&lt;br /&gt;&lt;br /&gt;Still not convinced? Here is the more encouragement. Call your auto insurance agent today and ask - Do you have uninsured motorist coverage on your personal vehicle? If the answer is not YES, then I will be shocked. Still not convinced? What happens if you lose your job and you no longer have health insurance coverage? Then, you pay for your future medical bills - not your health insurance plan. Finally, as stated don't forget UM can also help with lost wages in the past and in the future. Again, this is something health insurance will not do. If you have any questions about this coverage or any question about autombile insurnce then all you have to do is give me a call at 850-785-3400. Good luck and God Bless! Doug&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-7502915136917332?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/7502915136917332/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/why-you-still-need-uninsured-motorist.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/7502915136917332'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/7502915136917332'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/why-you-still-need-uninsured-motorist.html' title='Why Do I Still Need Uninsured Motorist Coverage When I Have Health Insurance?'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-6926718894249812832</id><published>2009-02-12T19:31:00.000-08:00</published><updated>2009-02-12T19:45:08.332-08:00</updated><title type='text'>WHAT IS A CONTINGENCY FEE CONTRACT?</title><content type='html'>All personal injury cases at Syfrett &amp;amp; Dykes Law Offices are handled on a contingency fee basis.  This means the payment of any attorney's fees are dependent upon the ultimate outcome of the case.  If successful, then the attorney will be paid a percentage of the total amount recovered for the client.  Put another way, the client is protected because the client &lt;em&gt;never&lt;/em&gt; pays any attorney's fees or costs &lt;em&gt;unless&lt;/em&gt; a recovery is made for them.  Additionally, pursuant to the Rules Regulating the Florida Bar there are additional requirements for contingency fee contracts in personal injury cases.  Some of the additional requirements are that they must be in writing, the percentages allowed are controlled by the Florida Bar, and the client has three business to cancel the contract with no penalty whatsoever.   &lt;br /&gt;&lt;br /&gt;Because of the contingency fee contract, the client is &lt;em&gt;guaranteed&lt;/em&gt; they will not be charged anything for the attorney's time or costs unless the client makes a recovery in their case. &lt;br /&gt;&lt;br /&gt;For this or any other questions you might have about any personal injury case, automobile accident, or insurance law question please call us today at 850-785-3400.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-6926718894249812832?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/6926718894249812832/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/what-is-contingency-fee-contract.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/6926718894249812832'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/6926718894249812832'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/what-is-contingency-fee-contract.html' title='WHAT IS A CONTINGENCY FEE CONTRACT?'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-2180994893034219508</id><published>2009-02-07T20:29:00.000-08:00</published><updated>2009-02-09T06:13:17.137-08:00</updated><title type='text'>The Truth About Allstate's Courtroom Commercial</title><content type='html'>By now you've probably seen it - the ending scene to the Allstate commercial where the Plaintiff is successful (a verdict in favor of the injured party) and the family realizes they don't have enough insurance to pay the judgment. The Plaintiff's attorneys looks at the Defense attorney and the Defendant (at fault party) and in essence says we will get our money even though there is not enough insurance.  "We know they have "college funds, retirements accounts . . . we will get our money". If this is not a NIGHTMARE unfolding then I don't know what is.&lt;br /&gt;&lt;br /&gt;In my opinion, this commercial simply is NOT true for several reasons.  The commercial is designed to do at least three things.&lt;br /&gt;1. Sell more insurance and if you have to scare people to do it then so be it.&lt;br /&gt;&lt;br /&gt;2. Decrease the amount of compensation for injured people because the thought of someone losing their college fund or retirement fund is a frightening thing.  Put another way, if you can sell even more insurnace and then have even less claims or lower valued claims it is a GREAT day from a business standpoint.&lt;br /&gt;&lt;br /&gt;3. Present a picture that Allstate has no responsibility if the verdict exceeds their insured's policy limits.&lt;br /&gt;&lt;br /&gt;Now, for the &lt;em&gt;rest&lt;/em&gt; of the story.&lt;br /&gt;&lt;br /&gt;1. Allstate is a multi BILLION dollar company.  They are very good at what they do and this commercial which is designed to sell more insurance is a prime example of just how good they are at what they do.&lt;br /&gt;&lt;br /&gt;2. Because Allstate must pay when the verdict is rendered - doing anything and everything they can to decrease jury verdicts is always a part of their business plan. The less they pay out in claims or jury verdicts the more money they make.&lt;br /&gt;&lt;br /&gt;3. In Florida, insurance companies have an obligation to settle cases within their policy limits when they "could have and should have" done so. If they have this opportunity, which they get in virtually all cases and they refuse to settle, then they can not just walk away when an excess verdict is rendered. An excess verdict is a verdict for more than the insured's (Defendant's policy limits).&lt;br /&gt;&lt;br /&gt;For more on this topic, please feel free to read the Insurance Company Agenda in &lt;em&gt;The Ultimate Consumer Guide to Personal Injury Cases&lt;/em&gt; found at our website.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-2180994893034219508?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/2180994893034219508/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/truth-about-allstates-courtroom.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/2180994893034219508'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/2180994893034219508'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/truth-about-allstates-courtroom.html' title='The Truth About Allstate&apos;s Courtroom Commercial'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-5839741546312813028</id><published>2009-02-06T07:29:00.000-08:00</published><updated>2009-02-07T20:29:38.472-08:00</updated><title type='text'>How Do I Get My Medical Bills Paid After An Automobile Accident?</title><content type='html'>Under Florida law all drivers SHOULD carry Personal Injury Protection Coverage (commonly referred to as PIP) on their vehicles. This coverage pays 80% of the first $10,000 in medical bills. After PIP expires we then look to see if our client purchased Medical Payments Coverage (MPC) on their automobile policy. If so this coverage will pay the 20% not paid by PIP and it will also continue paying (up to the amount purchased) any bills not paid by PIP.&lt;br /&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_M_w4TDPO6RA/SYxaG3x6DEI/AAAAAAAAAAw/DSXJfe7w8-Q/s1600-h/panama-city-auto-accident.jpg"&gt;&lt;img id="BLOGGER_PHOTO_ID_5299709935607221314" style="WIDTH: 320px; CURSOR: pointer; HEIGHT: 212px" alt="" src="http://4.bp.blogspot.com/_M_w4TDPO6RA/SYxaG3x6DEI/AAAAAAAAAAw/DSXJfe7w8-Q/s320/panama-city-auto-accident.jpg" border="0" /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;After PIP and MPC have exhausted we then look to see whether or not our client has any health insurance such as BCBS, Aetna, a Group policy with their employer, TRICARE or Medicare and/or Medicaid. If these are available then all medical bills should be sent their for payment waiting on the time that the personal injury/automobile accident case is resolved.&lt;br /&gt;&lt;br /&gt;The primary coverage the other driver (at-fault party) carries to assist in the event of medical bills and serious injuries after an accident is bodily injury liability coverage or BI. The other coverage our client may have purchased that can also help is known as uninsured or underinsured motorist coverage.&lt;br /&gt;&lt;br /&gt;For more on the various types of automobile insurance coverage, how they work and what they do please see attorney Douglas Dykes’ book – the Ultimate Consumer Guide to Automobile Insurance Florida. This book is available for download on this site and you can also read excerpts from this book on our site as well.  To see the videos on our site that address the questions of medical bills after an accident simply visit the numerous vidoes found on our blog or our website.&lt;br /&gt;&lt;br /&gt;At Syfrett &amp;amp; Dykes Law Offices we don’t believe our job is done until we have explored all the possible avenues for payment of our client’s medical bills and made sure no stone is unturned. We have been down this road many times before as we work to help our clients in the past and today. We would be happy to help you with any questions you may have regarding payment of your medical bills after being injured in an automobile accident, motorcycle accident, pedestrian accident, bicycle accident or other type or personal injury or wrongful death case. Please give us a call today at (850) 785-3400 or send us an e-mail now.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-5839741546312813028?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/5839741546312813028/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/how-do-i-get-my-medical-bills-paid.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/5839741546312813028'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/5839741546312813028'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/how-do-i-get-my-medical-bills-paid.html' title='How Do I Get My Medical Bills Paid After An Automobile Accident?'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media='http://search.yahoo.com/mrss/' url='http://4.bp.blogspot.com/_M_w4TDPO6RA/SYxaG3x6DEI/AAAAAAAAAAw/DSXJfe7w8-Q/s72-c/panama-city-auto-accident.jpg' height='72' width='72'/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-7406688960843468144</id><published>2009-02-02T06:27:00.000-08:00</published><updated>2009-02-07T10:08:28.513-08:00</updated><title type='text'>Motorcycle Injury Cases in Panama City, Florida</title><content type='html'>As a motorcycle enthusiast, you should know that Florida personal injury protection coverage (PIP) does not apply to motorcycles.  Therefore, there is no automatic payment of your medical bills in the event of an injury.&lt;br /&gt;&lt;br /&gt;&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_M_w4TDPO6RA/SYxUxeo6_pI/AAAAAAAAAAg/ooDos04-SgA/s1600-h/panama-city-motorcycle.jpg"&gt;&lt;img style="cursor: pointer; width: 320px; height: 224px;" src="http://2.bp.blogspot.com/_M_w4TDPO6RA/SYxUxeo6_pI/AAAAAAAAAAg/ooDos04-SgA/s320/panama-city-motorcycle.jpg" alt="" id="BLOGGER_PHOTO_ID_5299704070523256466" border="0" /&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;At Syfrett &amp;amp; Dykes Law Offices we understand that the motorcycle injury case is not necessarily the same thing as an automobile accident or car wreck injury case.  First, the potential hazards the motorcycle driver is faced with are much greater than the normal car driver.  We understand that motorcycles are not always seen by other drivers.  We understand that injuries from a motorcycle accident may be much more severe than in an automobile accident.&lt;br /&gt;&lt;br /&gt;In addition, we understand Florida law as it pertains to the motorcycle driver and his/her rights on the road.  Specifically, a motorcycle is entitled to the full lane of travel under Florida law – see Florida Statute 316.209(1) below.  We also understand that the need to investigate the motorcycle injury case promptly and thoroughly is critical.  With construction being constant on Florida’s roadways promptly making documenting the scene of the crash with photographs, videos, and measurements is something we take very seriously.  In addition, we believe nothing replaces visiting the scene where the crash occurred.  We set out to do this promptly as we begin our investigation to all our cases.  On more than occasion we have discovered additional evidence that has assisted our client in the success of their case.  Going to the scene promptly after the accident may reveal something about the traffic pattern, other hazards in the roadway, and it may also reveal names and information from witnesses who are aware of the crash and the facts surrounding the crash but were not listed on the police report.&lt;br /&gt;&lt;br /&gt;In addition, to our investigation we understand it is also critical to begin photographing the injuries our client has sustained immediately.  We also obtain copies of all x-ray reports, MRI reports, CT scans, and other diagnostic reports that are available that further document and substantiate our client’s injury case.  When appropriate we also obtain medical illustrations, colorized x-rays, colorized MRIs and other exhibits regarding important injuries and/or issues in our client’s cases.&lt;br /&gt;&lt;br /&gt;We are also well aware of the tremendous power video can and does make in the minds of the insurance adjuster and ultimately the jury.  We have great relationship with a Professional Videographer who lives and works right here in Panama City.  He is professional, courteous and prompt and he understands what must be highlighted about our client’s injury case to help us successfully recover full compensation on our client’s behalf.&lt;br /&gt;&lt;br /&gt;We will be happy to share with you some of the client videos we have prepared in the past.  Please call Syfrett &amp;amp; Dykes at 850-785-3400 for more information on this or any personal injury questions.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-7406688960843468144?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/7406688960843468144/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/motorcycle-injury-cases-in-panama-city.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/7406688960843468144'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/7406688960843468144'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/motorcycle-injury-cases-in-panama-city.html' title='Motorcycle Injury Cases in Panama City, Florida'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media='http://search.yahoo.com/mrss/' url='http://2.bp.blogspot.com/_M_w4TDPO6RA/SYxUxeo6_pI/AAAAAAAAAAg/ooDos04-SgA/s72-c/panama-city-motorcycle.jpg' height='72' width='72'/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-179389557610692005</id><published>2008-12-07T10:19:00.000-08:00</published><updated>2009-02-07T10:24:30.767-08:00</updated><title type='text'>Top 10 Questions Regarding Automobile Accidents and Property Damage</title><content type='html'>&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_M_w4TDPO6RA/SY3RxX6IgKI/AAAAAAAAABU/udyRV7OR1D8/s1600-h/top-10-faq-auto-accident.jpg"&gt;&lt;img style="cursor: pointer; width: 320px; height: 206px;" src="http://1.bp.blogspot.com/_M_w4TDPO6RA/SY3RxX6IgKI/AAAAAAAAABU/udyRV7OR1D8/s320/top-10-faq-auto-accident.jpg" alt="" id="BLOGGER_PHOTO_ID_5300122982646579362" border="0" /&gt;&lt;/a&gt;&lt;br /&gt;&lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;1. &lt;b&gt;Who will pay for your car to be       fixed?&lt;/b&gt; &lt;b&gt;&lt;i&gt;If&lt;/i&gt; &lt;/b&gt;the other side was 100% at fault       and &lt;i&gt;&lt;b&gt;if&lt;/b&gt;&lt;/i&gt; they have the right kind of insurance       coverage, then they &lt;i&gt;&lt;b&gt;should&lt;/b&gt;&lt;/i&gt; pay to fix your       car. In Florida, &lt;i&gt;&lt;b&gt;if&lt;/b&gt;&lt;/i&gt; the other driver is       driving legally (with even the minimum insurance) then they       should have $10,000 in Property Damage Liability Coverage       and this will help pay for your car. If you have difficulty       with the other person’s insurance company and you have       collision coverage on your vehicle then call your own       insurance company and ask them to fix your car. &lt;/span&gt; &lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;2. &lt;b&gt;Do you have to give the insurance       company a taped statement? &lt;/b&gt;If it is your insurance       company, then the answer is probably yes, but you have every       right to have &lt;i&gt;&lt;b&gt;your &lt;/b&gt;&lt;/i&gt;attorney present. If it is       the other driver’s insurance company, then the answer is no.       You are under no obligation to give the other driver’s       insurance company a taped statement.&lt;/span&gt;&lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;3. &lt;b&gt;Should you speak with an attorney       before you give a taped statement? &lt;/b&gt;Absolutely! Talking       with an attorney in person, and having that attorney present       when you give a taped statement is the smartest thing you       can do.&lt;/span&gt;&lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;4. &lt;b&gt;What about my lost wages? &lt;/b&gt;In       Florida, your PIP coverage (Personal Injury Protection) will       pay 60% of your lost wages that are a result of your       automobile accident. As with most insurance however, this is       not automatic. Your employer has to complete a wage history       form showing your wages. Your doctor has to complete a form       that certifies you have missed work due to the crash. Please       note PIP coverage expired on 10/1/2007 so this may       or may not be available when you are reading this. &lt;/span&gt; &lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;5. &lt;b&gt;What if the other driver was       at-fault and my medical bills exceed my own PIP (no-fault)       benefits? &lt;/b&gt;If the other driver had Bodily Injury       Liability Coverage then that can help with your medical       bills. Under Florida Law, the other driver’s insurance       company has to disclose this information to you. Also,       regardless of the kind of coverage the other driver has, if       you have Uninsured Motorist Coverage, commonly referred to       as UM/UIM then you are protected.&lt;/span&gt;&lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;6. &lt;b&gt;How do I know if I have a personal       injury case? &lt;/b&gt;Each case is different, but there are a few       questions you can ask yourself. Is it clear that the other       side was at fault or mostly at fault for the crash? Do you       notice a &lt;i&gt;significant difference &lt;/i&gt;in the way you feel       versus how you felt before the crash? Do you have pain and       discomfort on a regular basis that you did not have before?       Do you have medical bills and/or lost wages that exceed       $5000? Have you already had a surgery or is there a strong       possibility that you will need surgery? The more times you       have answered yes to these questions, the more likely you       are to have a Personal Injury Case.&lt;/span&gt;&lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;7. &lt;b&gt;How long do personal injury cases       take? &lt;/b&gt;Generally speaking, personal injury cases last       anywhere from six to eighteen months. Most people need to       see their doctor and receive treatment for some period of       time before the doctor can say with any degree of certainty       how the injury has affected them already and how it will       affect them in the near future. The attorney typically       cannot work on resolving the case with the at-fault party       until the treatment is completed and a clear picture of the       client’s injuries are present. &lt;/span&gt; &lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;8. &lt;b&gt;If it takes so long, why do I need       an attorney now? &lt;/b&gt;Because the insurance companies have       attorneys and claim’s adjusters working for them from the       day you were injured. Unfortunately, the insurance company       wants to see you make as many mistakes as possible because       this decreases the value of your claim. If you give a taped       statement without knowing what the insurance adjuster is       really trying to do you may be unaware that your words can       decrease the value of your case.&lt;/span&gt;&lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;9. &lt;b&gt;How much is my case worth? &lt;/b&gt;This       question depends on several factors. First, what is your       injury? (We generally won’t know this until you are done       with treatment.) How much are your medical bills? How much       are your lost wages? How has the accident affected your       daily life, your job, your family? How clear is the       liability? Does the other driver have adequate insurance       coverage? Do you have adequate insurance coverage? &lt;/span&gt; &lt;/p&gt;      &lt;p&gt;&lt;span style=";font-family:Arial;font-size:85%;"  &gt;10. &lt;b&gt;Why is insurance so important in a       case? &lt;/b&gt;Because I want you to understand how much is       really at stake. Insurance companies are in business to make       money. Their goal is to settle your case with you for the       least amount possible. They train their adjusters to do what       they can to minimize your case value because it is in &lt;i&gt;      their &lt;/i&gt;business interest. I’ll do what I can to protect       you because I work for you and your best interest.&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-179389557610692005?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/179389557610692005/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/top-10-questions-regarding-automobile.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/179389557610692005'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/179389557610692005'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2009/02/top-10-questions-regarding-automobile.html' title='Top 10 Questions Regarding Automobile Accidents and Property Damage'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media='http://search.yahoo.com/mrss/' url='http://1.bp.blogspot.com/_M_w4TDPO6RA/SY3RxX6IgKI/AAAAAAAAABU/udyRV7OR1D8/s72-c/top-10-faq-auto-accident.jpg' height='72' width='72'/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-5162745703219319116</id><published>2008-11-07T10:28:00.000-08:00</published><updated>2009-02-07T10:29:48.042-08:00</updated><title type='text'>Florida Wrongful Death Laws Change</title><content type='html'>&lt;p class="style41"&gt;"Police Chase Ends in Wrongful Death of       Innocent Motorist..."&lt;/p&gt;      &lt;p class="style44"&gt;Sadly, this is a headline we have already       read a few times this year. There is another story to this       issue that probably will not make the headlines, but it       deserves attention nonetheless. &lt;/p&gt;      &lt;p class="style44"&gt;In 2006 the Florida Legislature gave       police additional legal protection in the area of police       chases. In the Florida Wrongful Death Act, the burden for       causing someone else’s death should be borne by the person       who caused the wrongful death. Granted, we can all agree       that the motorist who fled when the lights and sirens were       turned on should have stopped. At this point, all the facts       are not known and it may well be that the all the fault       starts and stops with the fleeing motorists. I learned a       long time ago that making a decision without all the facts       is problematic.&lt;/p&gt;      &lt;p class="style44"&gt;Though the facts are still being       reviewed, the law was changed effective June 20, 2006.       Police agencies are not liable for injury, death, or       property damage effected or caused by a person fleeing from       a law enforcement officer in a motor vehicle if: &lt;/p&gt;      &lt;p class="style44"&gt;1. The pursuit is conducted in a manner       that does not involve conduct by the officer which is so       reckless or wanting in care as to constitute a disregard of       human life, human rights, safety, or the property of       another; &lt;/p&gt;      &lt;p class="style44"&gt;2. At the time the law enforcement       officer initiates pursuit, the officer reasonably believes       that the person fleeing has committed a forcible felony as       defined in s. 776.08; and&lt;/p&gt;      &lt;p class="style44"&gt;3. The pursuit is conducted by the       officer pursuant to a written policy governing high-speed       pursuit adopted by the employing agency. The policy must       contain specific procedures concerning the proper method to       initiate and terminate high-speed pursuit. The law       enforcement officer must have received instructional       training from the employing agency on the written policy       governing high-speed pursuit. &lt;/p&gt;      &lt;p class="style44"&gt;The law cited above comes from Florida       Statute § 768.28(9)(d)1, 2, 3 and the Florida Wrongful Death       Act starts at Florida Statute §768.18 and ends at §768.27.      &lt;/p&gt;      &lt;p class="style44"&gt;All citizens of Florida should be aware       of this dramatic change from one section of law to the next!      &lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-5162745703219319116?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/5162745703219319116/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2008/11/florida-wrongful-death-laws-change.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/5162745703219319116'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/5162745703219319116'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2008/11/florida-wrongful-death-laws-change.html' title='Florida Wrongful Death Laws Change'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-2197650697010299438.post-6831858896857139793</id><published>2008-11-07T10:24:00.000-08:00</published><updated>2009-02-07T10:27:39.786-08:00</updated><title type='text'>Motorcycle Accidents and Rights for Motorcycle Operators</title><content type='html'>&lt;a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_M_w4TDPO6RA/SY3SSJKFT7I/AAAAAAAAABc/wWA1RRmorME/s1600-h/motorcycle-attorney.jpg"&gt;&lt;img style="cursor: pointer; width: 320px; height: 212px;" src="http://1.bp.blogspot.com/_M_w4TDPO6RA/SY3SSJKFT7I/AAAAAAAAABc/wWA1RRmorME/s320/motorcycle-attorney.jpg" alt="" id="BLOGGER_PHOTO_ID_5300123545622630322" border="0" /&gt;&lt;/a&gt;&lt;br /&gt;&lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;Motorcycle accidents       present unique challenges for an attorney. The first is a       tendency by some people to believe that many, if not all,       motorcycle drivers drive carelessly or recklessly. &lt;b&gt;We       understand &lt;/b&gt;the real issue is what happened in &lt;b&gt;your       accident&lt;/b&gt;. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style37"&gt;Florida law provides for several duties       of other motorists toward motorcycle operators. It also       provides several rights for motorcycle operators. We have       used these laws and our experience in successfully       representing people injured while operating motorcycles. To       discuss your case or to learn more about the cases we have       handled and the specific results we achieved please contact       us.&lt;/p&gt;      &lt;p class="style37"&gt;Some of the specific Florida laws we have       used successfully are listed below.&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;Title XXIII&lt;br /&gt;    MOTOR VEHICLES&lt;br /&gt;    Chapter 316&lt;br /&gt;    STATE UNIFORM TRAFFIC CONTROL&lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;316.208 Motorcycles and mopeds.--&lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(1) Any person operating a motorcycle or moped shall be       granted all of the rights and shall be subject to all of the       duties applicable to the driver of any other vehicle under       this chapter, except as to special regulations in this       chapter and except as to those provisions of this chapter       which by their nature can have no application.&lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(2)(a) Any person operating a moped upon a roadway at less       than the normal speed of traffic at the time and place and       under the conditions then existing shall ride as close as       practicable to the right-hand curb or edge of the roadway       except under any of the following situations: &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;1. When overtaking or passing another vehicle proceeding in       the same direction.&lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;2. When preparing for a left turn at an intersection or into       a private road or driveway.&lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;3. When reasonably necessary to avoid any condition,       including, but not limited to, a fixed or moving object,       parked or moving vehicle, bicycle, pedestrian, animal,       surface hazard, or substandard-width lane, that makes it       unsafe to continue along the right-hand curb or edge. For       purposes of this paragraph, a "substandard-width lane" is a       lane that is too narrow for a moped and another vehicle to       travel safely side by side within the lane.&lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(b) Any person operating a moped upon a one-way highway with       two or more marked traffic lanes may ride as near the       left-hand curb or edge of such roadway as practicable. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(3) A person propelling a moped solely by human power upon       and along a sidewalk, or across a roadway upon and along a       crosswalk, has all the rights and duties applicable to a       pedestrian under the same circumstances, except that such       person shall yield the right-of-way to any pedestrian and       shall give an audible signal before overtaking and passing a       pedestrian. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(4) No person shall propel a moped upon and along a sidewalk       while the motor is operating. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(5) A violation of this section is a noncriminal traffic       infraction, punishable as a moving violation as provided in       chapter 318. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;History.--s. 1, ch. 71-135; s. 1, ch. 76-31; s. 8, ch.       87-161; s. 163, ch. 99-248. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;Note.--Former s. 316.127 &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;Title XXIII&lt;br /&gt;    MOTOR VEHICLES&lt;br /&gt;    Chapter 316&lt;br /&gt;    STATE UNIFORM TRAFFIC CONTROL&lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;316.209 Operating motorcycles on roadways laned for       traffic.-- &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(1) All motorcycles are entitled to full use of a lane and       no motor vehicle shall be driven in such manner as to       deprive any motorcycle of the full use of a lane. This       subsection shall not apply to motorcycles operated two       abreast in a single lane. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(2) The operator of a motorcycle shall not overtake and pass       in the same lane occupied by the vehicle being overtaken.      &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(3) No person shall operate a motorcycle between lanes of       traffic or between adjacent lines or rows of vehicles. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(4) Motorcycles shall not be operated more than two abreast       in a single lane.&lt;br /&gt;    (5) Subsections (2) and (3) do not apply to police officers       or firefighters in the performance of their official duties.      &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;(6) A violation of this section is a noncriminal traffic       infraction, punishable as a moving violation as provided in       chapter 318. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;History.--s. 1, ch. 71-135; s. 1, ch. 76-31; s. 165, ch.       99-248; s. 1, ch. 2003-92. &lt;/span&gt;&lt;/p&gt;      &lt;p class="style36"&gt;&lt;span class="style18"  style="font-size:85%;"&gt;Note.--Former s. 316.109.&lt;/span&gt;&lt;/p&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2197650697010299438-6831858896857139793?l=panamacityattorney.blogspot.com' alt='' /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='http://panamacityattorney.blogspot.com/feeds/6831858896857139793/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='http://panamacityattorney.blogspot.com/2008/11/motorcycle-accidents-and-rights-for.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/6831858896857139793'/><link rel='self' type='application/atom+xml' href='http://www.blogger.com/feeds/2197650697010299438/posts/default/6831858896857139793'/><link rel='alternate' type='text/html' href='http://panamacityattorney.blogspot.com/2008/11/motorcycle-accidents-and-rights-for.html' title='Motorcycle Accidents and Rights for Motorcycle Operators'/><author><name>Douglas Dykes</name><uri>http://www.blogger.com/profile/17128070699994956397</uri><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='http://img2.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media='http://search.yahoo.com/mrss/' url='http://1.bp.blogspot.com/_M_w4TDPO6RA/SY3SSJKFT7I/AAAAAAAAABc/wWA1RRmorME/s72-c/motorcycle-attorney.jpg' height='72' width='72'/><thr:total>0</thr:total></entry></feed>
