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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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Case Verdict – Rear-end Crash in Cooper City

Rader Law Group settled another case for policy limits! Our client, Denise, was hit from behind in traffic in Cooper City. Unfortunately, she suffered significant injuries to her neck and back. Though she tried everything to get better over the course of 15 months, from therapy to injections to time, she eventually realized that she needed to have surgery to remove a herniated disc in her neck. Just 10 days after her surgery, still recuperating, her insurance company delivered a check for the full underinsured motorist policy limits of $100,000.00.

Many people don’t understand the true value of having uninsured/underinsured motorist coverage. Up to 1/3 of South Florida’s drivers are uninsured. Even more carry minimal amounts, like the at fault driver in Denise’s case, who had just $10,000.00 in bodily injury coverage, which was tendered within a few months of the crash. Underinsured motorist coverage provides extra insurance to you when the person who caused the crash either has no insurance or inadequate insurance. In the eye of the law, the underinsured motorist carrier stands in the shoes of the at-fault party. Here, by having that insurance, Denise was able to get the medical care she so badly needed and to account for her pain and suffering as well. Purchasing underinsured motorist coverage helped Denise make a full recovery, achieve justice and right the wrongs caused by the careless driver that rear-ended her.

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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A Dog Attacked Me! How Can I Obtain Justice for My Injuries?

On a beautiful fall afternoon, you were walking in the park when an off-leash German Shepard started barking and running toward you at full speed with its teeth bared. Startled and scared, you screamed and looked around for a fallen branch or anything you could use to defend yourself against the animal. In the distance, you heard the owner shouting for the dog to stop and come back to them. But the dog ignored them. For no apparent reason, the 100-pound creature pounced on you, knocking you down, and started to bite. After what seemed like an eternity, the owner was able to wrestle the dog off of you and take control, while a passerby called 911.

Dog attacks happen all too often in Florida – according to the US Postal Service, Florida is one of the top 10 states for dog attacks . Moreover, Florida is ranked second in the country in the number of dog bite insurance claims.

While dogs can be lovable pets, they are also animals descended from wolves, and as such, can viciously attack a victim. A dog attack can cause scarring, disfigurement, loss of limbs, broken bones, concussion or other head injuries, bruises, soft tissue injuries, psychological trauma, infections, nerve damage, and in the most severe cases, wrongful death. According to Florida law, if a dog bites a person while the person is in a public place or legally on private property, the dog owner is liable for the attacked person’s damages. This is true even if the dog is generally friendly and has never attacked before. However, there are two exceptions to this:

  1. If the person who was attacked intentionally provoked the dog, the amount of damages they are eligible to receive may be reduced.
  2. If the bite occurs on the owner’s property and they post a sign that says “Bad Dog”, they are only liable if the dog attacks someone under the age of six, unless the damages are proximately caused by a negligent act or omission of the owner.

If someone is trespassing on private property and the dog bites them, the dog owner is generally not responsible unless they specifically instructed the dog to bite.

If you or a loved one have been the victim of a dog bite or a dog attack, you are eligible to receive compensation for medical bills, reconstructive surgery, prostheses, assistive devices, prescriptions, psychological therapy, lost wages, pain and suffering and mental anguish.

The attorneys at Rader Law Group are experts at securing compensation for victims of dog bites or dog attacks. If the dog owner’s insurance refuses to provide a fair settlement for your injuries, we will take the fight to court. We are committed to pursing justice for our clients and our track record of success demonstrates this. Call us today at 954-913-2273 to learn your legal options if you have been the victim of a dog bite or dog attack.

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:
USPS. U.S. Postal Service Releases Dog Attack National Rankings – Newsroom – About.usps.com. Accessed November 13, 2022.
Insurance Information Institute. Spotlight on: Dog bite liability | III. Accessed November 13, 2022.

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Florida Road Rules for Snowbirds

Last year, Florida welcomed more than 122 million travelers . Many of these visitors converge in beautiful Palm Beach County during the winter months to avoid the freezing weather at their home locales. If Florida is your home away from home for the winter, it’s important that you understand some key Florida road rules, since they may be different than those in your home state or country.

Car Registration

If you will be living in Florida for 90 days or more and bring one of your cars, you must register the car in Florida. This is true whether you stay for one long 90+ day stay or multiple shorter visits that collectively add up to 90 days.

Car Insurance

As part of registering your car in Florida, you must insure it with a policy from an insurance company that is licensed to operate in Florida. The legal minimum for car insurance in Florida is $10,000 of Personal Injury Protection (PIP) coverage and another $10,000 of Property Damage Liability (PDL) coverage. If you are in an accident or pulled over for any reason and do no not have this insurance, you may be subject to suspension of your license or registration as well as a $500 reinstatement fee.

As attorneys who specialize in pursing justice for victims of car crash injuries, we strongly urge you to speak with your insurance agent about also purchasing uninsured / underinsured motorist coverage and bodily injury liability coverage. Depending on the age and condition of your car, you may also benefit from comprehensive insurance. While these additional coverages are not legally required and skipping them may save you some money on the premium, if you are involved in a serious accident, these additional policies will be your financial lifeline.

Important Steps If You Are in An Accident

The law requires that you call the police if there is more than $500 worth of damage; however, it’s a good idea to call the police for any accident because sometimes you may think you are fine, but later on realize that you are actually injured.

Visit a doctor, urgent care or hospital to be examined by a medical professional after the accident. Your PIP insurance requires that you visit the doctor within 14 days to be able to make a medical claim. However, you should visit as soon as possible, ideally within 24 hours, because the longer you wait, the easier it will be for the insurance company to deny your claim and insist that your injury is due to another cause.

We hope that you enjoy your visit to sunny South Florida. While you are here, if you are injured in a car accident that you believe was not your fault, contact Rader Law Group right away at 954-913-2273. We will fight for your rights so you can receive justice 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:
Visit Florida. Research (visitflorida.org). Accessed October 8, 2022.

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Case Verdict – Vehicle Dealership Lease Contract Dispute

In a case where our client leased a car for three years, the car dealership was refusing to sell the car for what the lease agreement said the payout was to be on our client’s lease. Board Certified attorney Andrew Rader wasn’t having any of that. He stepped in and after engaging the dealership’s attorney in a heated dispute over the contract language, prevailed upon them to not only allow the buyout at the earlier contractually negotiated price, but also to pay attorney’s fees as well.

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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Most Common Slip and Fall Injuries

It started as a day like any other. You ran some errands and met friends for lunch. But, in an instant, your life changed. While descending the stairs at the restaurant, you tripped, rolled down the stairs, and hit your head on the concrete. Your friend called for an ambulance, which rushed you to the hospital. You now have a broken hip, a concussion, and feel chronic pain.

Unfortunately, this is not a unique event. According to the National Safety Council, falls are responsible for 33% of all preventable, non-fatal injuries and 21% of all preventable deaths . Older Americans are at an even higher risk of injury from falls; in 2019, the Centers for Disease Control and Prevention (CDC) reported 3 million emergency room visits for falls from senior citizens, at a cost of $50 billion.

What Are Some Common Causes of Slip and Fall Accidents?

Common causes of these injuries include:

  • Debris in your path. If you are walking in a business and the floor is wet, or someone dropped something, you may not notice it and slip and fall. This is especially true for businesses near the beach that could have a fine layer or sand or salt water covering the floor and making it slick.
  • Broken or uneven pavement. This often happens if there is overgrown foliage and the tree roots are uplifting the sidewalk.
  • Poor lighting. At night, it can be difficult to see exactly where the stairs are, or if there is debris in your path.
  • Improper use of floor cleaners. Different types of flooring need different types of cleaners. Using the wrong type of cleaner can make the floor slippery.

Common Injuries from Slip and Fall Accidents

Many individuals will walk away from a slip and fall with a bruised ego and not much else. But, others, especially senior citizens, can experience significant long-term pain and injuries, such as:

  • Broken hip or other bones, causing a permanent decrease in mobility and/or flexibility.
  • Spinal cord injuries, impacting a person’s ability to use their arms and legs and independently perform daily functions of living.
  • Concussion or other brain injury, leading to memory loss, mental impairment, slurred speech, dizziness, depression or anxiety, chronic pain, coma, or inability to care for oneself.
  • Cuts or lacerations that may require skin grafts or cause scarring.
  • Soft tissue damage, causing pain when performing daily activities.
  • Wrongful death.

If you or a loved one was injured by a slip and fall accident, contact Rader Law Group to learn your options for holding the negligent party responsible and receiving the compensation that you deserve 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:
National Safety Council. Top 10 Preventable Injuries – Injury Facts (nsc.org). Accessed October 11, 2022.
Centers for Disease Control and Prevention. Older Adult Falls | Fall Prevention | Injury Center | CDC. Accessed October 11, 2022.

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I Slipped and Fell on a Sidewalk. Can I Sue? Who Is Liable?

For some people, slip/trip and fall accidents are merely annoying – you might feel embarrassed and uncomfortable from some cuts or black and blue marks, but otherwise you are fine. Not everyone is so lucky though. For others, especially the elderly, a slip/trip and fall can be a life-changing experience, leading to broken bones, back injuries, knee or ankle injuries, concussions or traumatic brain injuries. This could lead to lengthy stays at a hospital, nursing or rehabilitation center, surgeries and months of physical therapy. If you or a loved one suffered a severe injury from slipping and falling on a sidewalk, you may be wondering what recourse you have.

Slips/trips and falls on sidewalks can be extremely complex. These types of claims fall under the umbrella of premises liability. A landowner has a general duty to maintain its property in a reasonably safe condition. When making a claim for injuries suffered in a sidewalk-related fall, you must prove that there was a dangerous condition on the property that the owner either knew about or, in the exercise of reasonable care, should have known about and failed to correct or repair.

The first step for an attorney in handling a sidewalk fall case is to determine who is responsible for maintaining the sidewalk where the incident occurred. This can be done through conducting research on the property appraiser’s website and pulling maps and plots. In some cases, it could be the municipal government, or in other cases, an adjacent homeowner or business. A homeowner or business may be the responsible party even if the slip/trip and fall occurred on a city sidewalk. For example, if an adjacent homeowner had trees on their property and the roots were causing the sidewalk to become uneven, then the homeowner could be liable, in addition to the city. A skilled attorney who specializes in slip/trip and fall accidents needs to evaluate the specifics of your situation to determine which party to hold liable in your slip and fall.

If the municipal government is liable, your attorney will file a “notice of claim” with the appropriate government agencies. Claims against the government use a completely different process than claims against a private individual or company. The former only have a three-year statute of limitations and have restrictions on the maximum amount that an individual can collect for their injuries. While suit can be filed against a private entity or individual the day after an incident, with claims against the government, after filing the notice of claim, the government entity has six months to investigate the claim and either attempt to resolve it or deny it entirely before suit can be filed.

If an individual homeowner, business, or homeowners’ association is liable, there is a four-year statute of limitations. Your attorney will contact the responsible party and their insurance company to file a claim for the injury. You may be able to recover compensation for doctors’ bills, hospital bills, imaging/radiology bills, physical therapy, a home healthcare aide, prescriptions, and modifications to your home – such as installation of wheelchair ramps. You may also be entitled to compensation for lost wages, future lost wages, pain and suffering, and loss of enjoyment of life.

After determining who is the party responsible for the sidewalk and your fall, it is important to determine how and why your fall happened. It is essential to have a qualified and competent person, an attorney or civil engineer, travel to the scene and document the condition of the sidewalk by taking numerous photographs and measurements. Pulling and reviewing the applicable codes, ordinances and statutes will also help determine if the sidewalk was negligently constructed or maintained. Your attorney should also immediately notify the landowner of the potential claim and demand that they preserve certain evidence, like maintenance records and even the sidewalk itself, for future inspection.

If you or a loved one were injured in a slip/trip and fall on a sidewalk, contact Rader Law Group as soon as you can. We will investigate the incident to see if either the municipality or an adjacent property owner is liable and, if so, we will vigorously pursue justice for you or your loved one.

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