When disputes arise between policyholders and insurance companies, finding efficient and effective methods for resolution is crucial. In Florida, policyholders facing insurance claims disputes have several options for alternative dispute resolution (ADR), including mediation, binding arbitration, and non-binding arbitration. Each approach offers distinct benefits and considerations, so it's essential to understand the differences to make an informed decision: Mediation: Process: In mediation, a neutral third party, called a mediator, facilitates communication between the parties to help them r ..read more

When dealing with property damage claims, ensuring that your insurer adequately values the extent of your loss is essential. Insurance companies are notorious for doing everything they can to minimize their outgoing payment. Remember – they’re for-profit and care more about their finances than your damage and repair. Here Are 10 Signs That Your Insurer May Have Underpaid Your Property Damage Claim: Discrepancy in Repair Estimates: If your insurer's repair estimates significantly differ from those obtained from reputable contractors or professionals, this could indicate an undervaluation of you ..read more

Car accidents are common on Florida's roadways, often resulting in injuries, property damage, and significant financial losses. In the aftermath of a collision, understanding the concept of the burden of proof is essential for individuals seeking compensation for their injuries and damages. What is the Burden of Proof? The burden of proof refers to the obligation placed upon a party to prove or disprove a disputed fact. In a personal injury case, the burden of proof rests on the plaintiff, who alleges that they have suffered harm due to another party's negligence or intentional actions. It is ..read more

Filing a homeowners insurance claim in Florida requires proactive and vigilant behavior, given our unique weather challenges, such as hurricanes and tropical storms. However, many individuals unknowingly make mistakes that can impact the success of their claims. While it might be tempting to handle the claims process alone, there are reasons why Florida homeowners should consider hiring a property insurance claim lawyer to navigate the complexities of property insurance claims. 1. Ignoring Hurricane Deductibles: Florida homeowners are often subject to hurricane deductibles, which are separate ..read more

Bicycling is a popular and eco-friendly mode of transportation in the Sunshine State, known for its scenic routes and pleasant weather. However, accidents can occur as many cyclists share the roads with motor vehicles. If you've been involved in a bicycle accident in Florida, understanding the intricacies of personal injury cases is crucial.  Florida Bicycle Laws Florida has specific laws governing bicycle use on its roads. Understanding these laws is crucial in determining liability in a bicycle accident. While cyclists are generally afforded the same rights and responsibilities as motor ..read more

Tampa is one of the U.S.’s fastest-growing metro areas and with that comes an increase of traffic. A recent study cites Tampa as #14 overall in the nation for worst drivers, #11th for accident rate, and #17th for DUI offenses. In Tampa, the uninsured motorist rate is 20.40%. Tampa motorists pay $3,459 to insure their vehicles, which is the fifth-highest amount among all 50 cities studied. Florida has the fifth-lowest percentage of insured drivers at 79.6% in the nation, meaning that over one-fifth of Florida motorists are uninsured.  When it Comes to Traffic Fatalities, Tampa is No. 2 in ..read more

As a homeowner in Florida, you understand the importance of having property insurance to protect your investment. However, when it comes to handling insurance claims, many homeowners associations (HOAs) often make costly mistakes that can have long-lasting consequences. That's why seeking legal expertise for property insurance claims is crucial for HOAs in Florida. By working with an attorney experienced in property insurance claims, HOAs can avoid common pitfalls and maximize their chances of a successful claim. At Williams Law, P.A., our legal experts will navigate the intricacies of the ins ..read more

After an auto accident, it's important to handle the situation carefully to ensure your safety, and the safety of others involved, and to protect your legal and insurance interests. Here are seven things you should avoid doing after an auto accident: Admit Fault or Apologize: Avoid admitting fault or apologizing at the scene of the accident. What causes car accidents can be quite complicated. If you’re unsure about who was at fault, don’t say anything at the accident scene and let your lawyer sort it out. Neglect to Call the Police: It's important to call the police to the scene, especially if ..read more

Florida lawmakers passed House Bill 425 this year, which includes the expansion of the current “Move Over Law” that requires drivers to move over a lane (when safe to do so) for law enforcement, emergency workers, sanitation crews, tow trucks, construction vehicles, and utility service vehicles. The law now requires that drivers move over for any car that’s stopped with their hazards on or stopped with one or more persons visible. This expansion aims to reduce the number of accidents and fatalities among roadside workers at high risk of being struck by passing vehicles. Beginning Jan. 1 ..read more

State law requires every driver in Florida to carry liability insurance. It is designed to cover the damage an at-fault driver causes in an accident. Therefore, if another driver's negligence harmed you, their policy should pay for the damages. However, it is typical for the at-fault driver's insurance company to deny a claim. You weren't at fault in this accident, and the last thing you would ever imagine happening is the other driver's insurance company denying liability. Unfortunately, it does happen, and we are here to help you know what to do if this does happen. Insurance companies, for ..read more