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January 23, 2025

Car Insurance: Do You Really Have Full Coverage?

Insurance companies, who like to make profits, may sell you “full coverage.” But beware! Full coverage legally is very different from what you should have practically. And not knowing the difference can land you in economic disaster. Car insurance can feel like a confusing maze of options and…

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The Most Common Causes for Bicycle Accidents

Bicyclists are at a higher risk of injury than other drivers on the road, especially in urban areas, where 93% of all fatal bike accidents in Florida occur. Even when not fatal, bicycle accidents can cause catastrophic injuries that can take months or years to recover from and impact a bicyclist’s ability to earn a living and care for themselves daily.

One of the most common causes of bicycle accidents is speeding by other drivers. In fact, the Centers for Disease Control and Prevention (CDC) report that 64% of bicycle accidents occur on sections of road that are not near intersections since motorists are driving faster in these areas . The drivers may not have time to slow down or change lanes if they see a bicyclist. If a car or truck driver hits a bicyclist while driving at a high speed, the bicyclist will likely have severe injuries or die.

Impaired drivers are another threat to bicyclists. Drivers under the influence of drugs or alcohol may misjudge the distance between themselves and the bicyclist, have a slower reaction time if they see a bike on the road, or may not even realize the bicyclist is there. Impaired drivers are a hazard to all vehicles on the road, but they are especially dangerous for bicyclists due to the lack of protection that a bike offers compared to a car.

A threat similar to impaired driving is distracted driving. A driver in a car may be distracted by texting, changing radio stations, or focusing too much on the passengers in the car and too little on the road. An inattentive driver is a dangerous driver, especially to cyclists.

Fatal bicycle accidents are more likely to occur at night. In 2021 in Florida, 59% of all bicycle accidents happened at nighttime. Bad weather also increases risk for bicyclists. In addition to the road being slick, rain and fog decreases visibility, so drivers may not even see the bicyclist before colliding. To help minimize the risk of these types of accidents, it’s best to avoid bicycling in inclement weather and at night. If you have no choice but to ride your bicycle in these conditions, make sure to wear reflective clothing and outfit your bike with front lights and rear red lights to make your presence known to drivers.

Regardless of the weather or time of day, the most important step you can take to stay safe while bicycling is to wear a helmet. This one step may save your life if you are in an accident.

If you or a loved one was injured in a bicycle accident, contact the law office of Rader Law Group. We have helped thousands of accident victims recover compensation for their injuries. We will fight vigorously until you receive the justice that you deserve.

Rader Law Group, LLC

With decades and decades combined experience, the attorneys at Rader Law Group understand the meaning of Justice. Our one and only mission is to get each client the justice he or she deserves; our team of attorneys never back down when we know our client is right.
We offer our clients the compassion and guidance they need as they work through trying times in their lives. The balance of working relentlessly for our clients combined with our caring approach has helped us achieve a fantastic record of success with our clients. We get our clients the justice they deserve.

At Rader Law Group, You matter. Your justice matters. Your Justice Starts Here. 954-913-2273.

References Used:
National Highway Traffic Safety Administration. Workbook: DV_FARS_PC (dot.gov)). Accessed April 9, 2023.
CDC. Bicycle Safety | Transportation Safety | Injury Center | CDC. Accessed April 9, 2023.
National Highway Traffic Safety Administration. Workbook: DV_FARS_PC (dot.gov)). Accessed April 9, 2023.

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Keeping Your Teen Safe on Prom Night

Prom: the pinnacle of the high school social scene. Chances are your high school senior has been looking forward to this day since September, picking out what they will wear, who they will ask, and whose afterparty they will attend. With all the excitement bubbling, it’s easy to focus on the fun aspects of the event and ignore its darker side; however, parents need to sit their teen down for a serious talk so that they can stay safe on prom night. Drinking, doing drugs, distracted and drowsy driving are real risks that teens face on prom night. Following are some tips to develop a plan for managing these risks:

  • Determine how your teen will travel to and from the prom. Will they be driving? If so, ensure they understand the severity of drinking and driving, even if they only have a couple sips. Is their date driving? In that case, your teen needs to know that if they see their date drinking, they should not get into the car with them. In either situation, your teen should feel confident that they can call you for a ride if necessary, without fear of retribution. Tell your teen that you will happily pick them up with no questions or judgment. Then do it.
  • Another driving danger is distracted driving. If your teen is driving a carload of friends, make sure they understand the importance of focusing on the road rather than the conversation in the car. Similarly, if your teen will be driving in the wee morning hours after the prom, let them know that if they are too tired, that they should call you and you will give everyone in their car a ride home.
  • If your budget allows, the safest transportation option is to rent a limousine or other form of transportation with a professional driver.
  • Find out your teen’s after-prom plans. If they are attending a party at a friend’s home, call the parent and find out what kind of supervision will be there.If your teen is planning to host a party at your home, do not allow drinking. Moreover, stay awake for the duration of the party and make periodic appearances to ensure that other teens do not bring alcohol. Allowing minors to drink in your home is a crime. Not only are you financially liable if one of the teens drinking in your home is involved in a car accident, you may face criminal charges as well.
    By developing a plan to stay safe, the prom will be a fun night for your high schooler to cherish for years to come. The attorneys at Rader Law Group wish all the high school seniors and their families a wonderful and safe prom season!
  • Rader Law Group, LLC

    With decades and decades combined experience, the attorneys at Rader Law Group understand the meaning of Justice. Our one and only mission is to get each client the justice he or she deserves; our team of attorneys never back down when we know our client is right.
    We offer our clients the compassion and guidance they need as they work through trying times in their lives. The balance of working relentlessly for our clients combined with our caring approach has helped us achieve a fantastic record of success with our clients. We get our clients the justice they deserve.

    At Rader Law Group, You matter. Your justice matters. Your Justice Starts Here. 954-913-2273.

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Bicycle Accidents and The Most Common Injuries

Cycling, an environmentally-friendly and heart-healthy way to travel, has significant safety risks – more than 130,000 bicyclists are injured each year in the United States . Unlike a car accident, where the car provides some protection, in a bike accident your body takes the full brunt of the impact, leading to catastrophic injuries that can change your entire life in a split second.

Road Rash

While the name sounds benign, the condition is far from it. Road rash occurs when a bicyclist is thrown off their bike and skids or is dragged on the ground. This breaks the rider’s skin where they land and can embed dirt, glass shards, insects, or anything else on the ground into the rider’s skin. This can occur on any body part that hits the ground, and is commonly found on the face, hands, arms, and legs. The victim may need to have items surgically extricated from their skin and body at the hospital. Depending on the severity of the road rash, this can cause permanent scarring, disfiguration, and infection. In some cases, skin grafts and reconstructive surgery are necessary.

Head Injuries

The Centers for Disease Control and Prevention (CDC) report that “bicycling leads to the highest number of sport and recreation–related emergency department (ED) visits for traumatic brain injuries (TBIs) in the United States” . TBIs occur when the bicyclist’s head violently hits the ground or another object, injuring the brain. TBIs range in severity from mild, which can cause headaches, to severe, which can cause a coma or seizures. Even a mild TBI can impact a person’s ability to work and participate in daily activities for months until the brain heals.

Another common type of head injury is a skull or facial fracture. If the skull breaks, the bicyclist may need surgery to repair it to prevent damage to their brain or bleeding. If a bone in the cyclist’s face breaks, they may need reconstructive surgery to repair the damage.

The best way to prevent a head injury while biking is to wear a helmet. According to a study cited by the National Safety Council, wearing a helmet reduces the risk of a head injury by 60% and of a brain injury by 58%.

Broken Bones

In addition to facial fractures, a bicyclist could break their arms, legs, or any other bones. They could even lose teeth, causing them to need dental implants. These injuries can cause pain and make it difficult or impossible to work for months.

If you are in a bicycle accident, seek medical attention immediately. Once your condition is stable, contact the attorneys at Rader Law Group to learn your rights and seek compensation for your injuries.

Rader Law Group, LLC

With decades and decades combined experience, the attorneys at Rader Law Group understand the meaning of Justice. Our one and only mission is to get each client the justice he or she deserves; our team of attorneys never back down when we know our client is right.
We offer our clients the compassion and guidance they need as they work through trying times in their lives. The balance of working relentlessly for our clients combined with our caring approach has helped us achieve a fantastic record of success with our clients. We get our clients the justice they deserve.

At Rader Law Group, You matter. Your justice matters. Your Justice Starts Here. 954-913-2273.

References Used:
CDC. Bicycle Safety | Transportation Safety | Injury Center | CDC. Accessed March 7, 2023.
CDC. Emergency Department Visits for Bicycle-Related Traumatic Brain Injuries Among Children and Adults — United States, 2009–2018 | MMWR (cdc.gov). Accessed March 7, 2023.
NSC. Bicycle Deaths – Injury Facts (nsc.org). Accessed March 7, 2023.

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Case Verdict – Bodily Injury Claim

Howard Weitzner, an attorney with Rader Law Group, recently resolved the bodily injury claim of his injured client in just over one month. Our client, a young professional in Orlando, was hit in a significant T-bone crash while driving her infant daughter to school. She suffered injuries to her head, neck and back, requiring significant medical care and treatment. Mr. Weitzner and his paralegal assisted our client in finding the proper medical care and quickly obtained the supporting records and bills which were promptly sent to the defense insurance company in the form of a settlement demand. The insurance company tendered its available policy limits of $50,000.00 just two weeks after receiving that information.

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I Tripped and Fell at My Vacation Rental … How Can I Get Compensation for My Injuries?

You’ve been looking forward to your vacation for months. Maybe you’re treating your extended family to a weekend away, attending a destination wedding, or planning to sit back and relax by the beach without a care in the world. Like many travelers now, you rented a vacation home instead of staying at a traditional hotel or resort. When you were walking down the hallway in your rental home, you tripped on a torn carpet, fell down the stairs, and severely injured yourself. Not only is your vacation ruined, but you’re in pain, you can’t work, and medical bills are piling up.

Unfortunately, this situation is not unique. All sorts of dangers can lurk in a rental home, such as:

  • Loose floorboards
  • Broken railings
  • Faulty appliances
  • Faulty or out-of-date electrical wiring
  • Stair or deck collapses
  • Uneven walkways

If you have been injured at a vacation rental home, you may be entitled to collect damages for your injuries. This can include compensation for medical bills, medication, diagnostic imaging, physical therapy, lost wages, future lost wages, as well as pain and suffering.

To provide evidence to support your claim, it’s essential that you seek medical attention immediately after the injury. Make sure to follow all of your doctor’s instructions, such as taking your medicine and attending any rehab sessions that they recommend. You will need to prove that you have done everything you can to heal from your injuries.

It’s also important to photograph the scene of the injury as well as the injuries themselves, if they are visible. It can be useful to take a video of the scene and narrate what is being shown as you film. These steps can help prove that the dangerous situation existed in case the owner repairs the danger and denies it existed.

If the event occurred outside and a passersby witnessed the event, take down their email address and phone number so that they can provide information about what they saw which may be evidence if needed.

To collect compensation, you will need an attorney who specializes in premises liability. They must prove that you were legally on the property. Next, they will need to show that a dangerous condition existed on the property. Third, they must show that the owner either knew about the dangerous condition or should have known about it and that this dangerous condition is what caused your injury.

It’s bad enough that your vacation was ruined; don’t let a poorly maintained vacation home cause you financial ruin. If you have been injured in a vacation home due to the homeowner’s negligence, contact Rader Law Group today. We are experts in premises liability cases and will aggressively pursue the damages you are owed so you can receive justice for your injuries. Contact us today for a free consultation.

Rader Law Group, LLC

With decades and decades combined experience, the attorneys at Rader Law Group understand the meaning of Justice. Our one and only mission is to get each client the justice he or she deserves; our team of attorneys never back down when we know our client is right.
We offer our clients the compassion and guidance they need as they work through trying times in their lives. The balance of working relentlessly for our clients combined with our caring approach has helped us achieve a fantastic record of success with our clients. We get our clients the justice they deserve.

At Rader Law Group, You matter. Your justice matters. Your Justice Starts Here. 954-913-2273.

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How Long Does It Take to Settle a Claim for a Car Accident?

If you were seriously injured in a car crash, chances are you want to know how long it will take to receive compensation for your injuries. You need access to funds now: medical bills keep piling up, you may be out of work, you may be incurring costs for psychological care to overcome the trauma from the accident, you may even need to retrofit your home to accommodate a wheelchair or other medical equipment. Unfortunately, there is no easy answer to this question, it can range from months to years. Each case is unique and there is no “average” due to all the factors that impact this outcome.

What Are Some Factors that Determine Your Speed of Settlement?

Determining the Economic Costs of Your Injuries
Before your attorney can know how much to demand from the insurance company, they first have to know the extent of your medical treatment bills. This means that you need to have reached your maximum medical improvement (MMI) and be at a point in treatment that medical experts can foresee your future costs. If your injuries are severe, it can take time to reach this point.

We also must determine the amount of your lost wages or loss of ability to earn income. This can be done by obtaining critical documents from your employment, like pay stubs, time sheets or tax returns. Sometimes, experts like vocational rehabilitation specialists and economists may need to be hired to calculate this loss.

Determining Liability
The opposing party will not want to pay out for your injuries. Many will deny fault or claim that you are at fault in an effort to offset the amount they are liable to pay. Florida law uses comparative liability, which means that both parties can be at fault for the accident. Your attorney and the opposing side’s attorney will need to hash out how much each party is at fault for the accident before they agree to pay for your injuries. This can become even more complex in multi-vehicle accidents. One way to help expedite this process is to take detailed photos and videos at the accident scene, as well as ask witnesses for their contact information.

How Difficult the Insurance Company Is to Work With
Some companies are notoriously difficult to work with – taking as long as the law allows to respond, lowballing the cost of your injuries, and doing everything in their power to encourage you to walk away with less than you deserve. The attorneys at Rader Law Group know the art of negotiation and will not back down from fighting the insurance companies. In some cases, we are left with no choice but to take them to court and litigate the case. This can significantly add to the timeline for receiving your compensation.

Another factor to consider is the amount of potential insurance coverage. The size of the policy, compared to the potential value and size of your claim, can of course impact an insurance carrier’s thought process on how and when a claim should be resolved.

How Large a Settlement You Are Seeking
Smaller claims can often be resolved relatively quickly. The larger and more complex the claim, the harder and longer the opposing side will fight to lower it.

The attorneys at Rader Law Group relentlessly pursue justice for our clients, even if that means going to court. If you have been injured in a car accident, contact us right away to start the process for you.

Rader Law Group, LLC

With decades and decades combined experience, the attorneys at Rader Law Group understand the meaning of Justice. Our one and only mission is to get each client the justice he or she deserves; our team of attorneys never back down when we know our client is right.
We offer our clients the compassion and guidance they need as they work through trying times in their lives. The balance of working relentlessly for our clients combined with our caring approach has helped us achieve a fantastic record of success with our clients. We get our clients the justice they deserve.

At Rader Law Group, You matter. Your justice matters. Your Justice Starts Here. 954-913-2273.

Learn More