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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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Recent Blogs

I Was Injured in An Auto Accident by an Employee Driving a Company Vehicle While on a Business Trip. Who Is Liable?

December 20, 2021

If you were seriously injured in an auto accident due to the negligence of another driver, you deserve to be compensated for your losses, regardless of whether the driver who hit you was driving for personal use or for work. If the other driver was in their own car and driving for non-work purposes, that driver is personally liable. If the driver was driving a company car, the driver is liable and their employer may or may not be liable, depending on the situation.

Was the Company Negligent?

In some cases, the company may have been negligent in allowing the employee to drive a company vehicle. Some situations in which the company could be negligent in allowing the driver to use a company vehicle are:

  • Failure to check that the employee had a valid driver’s license before issuing them a car
  • Failure to check if the employee had a history of moving violations, both before being issued a company car and while having access to a company car
  • Requiring the employee to participate in unsafe business practices, such as requiring them to take conference calls on their cellphone in the car

These are only a few examples in which an employer could be found negligent, and hence, liable for your injuries.

Respondeat Superior

In addition to the company being negligent, they could also be held liable through a legal principle called “Respondeat Superior.” This is a legal doctrine that “holds an employer or principal legally responsible for the wrongful acts of an employee or agent, if such acts occur within the scope of the employment or agency. ” The key part of this definition is “within the scope of the employment.” This means that if an employee was driving a company vehicle for work purposes, the employer is liable. If the employee was using the company vehicle for personal reasons, the employer is not liable. Let’s take a look at two examples:

  • The employee drives from the office directly to a business meeting and hits you on the way to the meeting: the company can be held liable.
  • The employee is driving the company car on a weekend to do their personal grocery shopping: the company is not liable.

Hiring a personal injury attorney with a specialty in car accidents, like Rader Law Group, is essential to determine whether the driver’s employer can be held liable for the accident. Call us today for a free consultation on your case. We will fight for you to receive the justice 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:
Cornell Law School. Respondeat Superior | Wex | US Law | LII / Legal Information Institute (cornell.edu). Accessed November 3, 2021.

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The Most Dangerous Roads and Intersections in Coral Springs

December 8, 2021

Coral Springs is a beautiful place to live and work. Just about the only part of Coral Springs that is not desirable is the traffic. Unfortunately, having many cars on the road can lead to congestion and accidents. According to Coral Springs Talk , the most dangerous intersections in Coral Springs are:

  • Sample Road & University Drive
  • Royal Palm Blvd & University Drive
  • Sample Road & 441
  • Wiles Road & 441
  • Atlantic Blvd & University Drive
  • Riverside Drive & University Drive
  • Sample Road & Coral Springs Drive
  • Sample Road & Coral Ridge Drive
  • Sample Road & Riverside Drive
  • Sample Road & Rock Island Road
  • Sample Road & NW 62nd Street
  • Wiles Road & University Drive
  • Wiles Road & Riverside Drive
  • Wiles Road & Coral Springs Drive
  • Wiles Road & Coral Ridge Drive

Tips For Staying Safe at Dangerous Intersections in Coral Springs

It’s nerve-wracking to drive in accident-prone areas. Here are some tips to help keep you safe:

  • Maintain Safe Distances Between Cars
    In congested areas, drivers may stop abruptly, or someone may cut between you and the car in front of you. Having enough space between you and the car in front of you can help you avoid a rear-end collision.
  • Stay Focused on the Road
    No matter how tempting, no texting, even in stopped traffic. Also, avoid talking on the cellphone, listening to loud music, or engaging in other activities that distract you from the road.
  • Stay Calm
    Breathe in and out slowly and listen to calming music. If another driver is honking or exhibiting other anti-social behaviors, just look away and ignore them. If they are angry about the traffic, that is their problem, not yours. Your number one priority is arriving at your destination safely.
  • Avoid Creating Gridlock
    Gridlock happens when cars rush into the intersection, thinking they can make it to the next block, but the light changes and then they become stuck in the middle, blocking traffic in all directions. To avoid this, make sure there is enough space in front of you to make it all the way through before you enter the intersection.
  • Stay Alert for Pedestrians and Bicyclists
    In a congested area, it’s not just cars that you have watch – it’s all the other people and smaller vehicles on the road as well. This could include pedestrians who are crossing the street or entering/exiting their cars, motorcyclists who are lane splitting, bikers who are biking either with or against traffic, and dogs who are walking off-leash.

    • Traffic in Coral Springs can be stressful. If you have done your part to avoid an accident, but become involved in an accident due to someone else’s negligence, call Rader Law Group for a free case consultation. We will fight to help you receive the justice you deserve to compensate you 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:
    Coral Springs Talk. Coral Springs Bans Street Vendors at Busy Intersections • Coral Springs Talk. Accessed November 5, 2021.

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Personal Injury Accidents Do Not Take a Holiday

November 17, 2021

Thanksgiving will soon be here. After the difficult past 18 months we have weathered, many of us will be even more thankful than usual to celebrate with friends and family once again. As we enter this period of joy and merriment, we need to remember to continue to keep our guard up against personal injuries. Two of the most common personal injuries during the holiday season are car accidents and slip and fall injuries.

Car Accidents

According to a study by Progressive Insurance, there is a spike in car accidents during the week of Thanksgiving. The company looked at claims data from the two weeks before and after Thanksgiving and compared it to the week of Thanksgiving. Following are their findings:

  • Accidents the Wednesday before Thanksgiving increased 25%.
  • Accidents on Thanksgiving evening increased 20%.
  • Accidents on Black Friday increased 34%.

To help prevent being in a car accident over Thanksgiving:

  • Never drink and drive. If you are planning to drink during the holiday, take a cab, a ride-hailing service, public transportation, or arrange for a designated driver.
  • Allow plenty of space between you and car in front of you. Tailgating won’t help you arrive home sooner and it may cause an accident.
  • Before backing out of a parking spot, always check your rear and sideview mirrors. If your car has a backup camera, check that too. Pedestrians or other drivers may be oblivious to you trying to exit your parking space.

    • Slip and Fall Injuries

    With the holiday sales in full swing, the stores are packed, and slip and fall injuries are a risk. Slip and fall injuries can be caused by:

    • Uneven flooring – such as a pothole in a parking lot, missing floor tiles, bunched up carpeting, or peeling floor signs
    • Wet, slick floors – such as from a spilled drink or freshly mopped floor
    • Debris – with so many shoppers in stores, especially on Black Friday, items may fall from the shelves onto the floors and cause a tripping hazard.

    Many slips and falls can lead to broken bones, soft tissue injuries, hip fractures, shoulder or neck injuries or a traumatic brain injury (TBI). In fact, the Centers for Disease Control and Prevention (CDC) reports that falls are the leading cause of TBIs.

    To help minimize the likelihood of slipping and falling:

    • Don’t rush – make sure to watch for fallen merchandise in aisles or wet spots on the floor.
    • Focus on the store, not your cellphone, as you walk around the store to minimize distractions.
    • If you are in a parking lot or other area with poor lighting, watch for potholes or debris on the ground.

    The attorneys at Rader Law Group wish you a safe, enjoyable, and injury-free holiday 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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Top 10 Best Personal Injury Attorneys Near Me Search Results – Are They Always the Best Choice for My Case?

November 9, 2021

If you or a loved one was injured due to someone else’s negligence, you may need a personal injury attorney to help you fight for your rightful compensation. But how do you find one?

For many people, the first step is to do an Internet search of “Top 10 Best Personal Injury Attorneys Near Me,” or another similar type of search. Entering this into Google or another search engine will yield many legal directories listing nearby attorneys. These legal directories are a form of paid advertising, just like television advertising or a billboard. While this can be one approach to start researching names of personal injury attorneys, it’s essential to be aware that you are reading an advertisement and not an endorsement for these attorneys.

How to Find the Right Attorney for Your Case

A good option for finding a personal injury attorney is to ask friends and family members for a recommendation. Make sure to specify that you are looking for someone that they have personally worked with and has won compensation for them.

Whether you search for an attorney online or through personal recommendations, or both, you will want to learn as much about them as you can. Some ways to do this are:

  • Thoroughly read their websites and Facebook pages to learn about their background and experience.
  • Seek out online testimonials or reviews about them to find out what their former clients think of them.
  • Check out their credentials with the Bar Association for any misconduct reports.

In addition, meet with them to discuss the details of your case and determine if they are the right attorney for you. Some questions to ask are:

  • Do you have experience with cases similar to mine? Not all personal injury attorneys have the same experience. Some focus almost exclusively on traffic accidents, while others may specialize in medical malpractice or another area.
  • How much do you think my claim is worth? Make sure that you and your attorney are on the same page with respect to the value of the claim.
  • If this case goes to trial, do you have trial experience? Most cases don’t go to trial, but if yours does, you want to be sure that your attorney is experienced in litigation – not all are.
  • What is your fee structure if we win the case? What is the fee structure if we do not win the case? Make sure you are clear on all payment arrangements ahead of time.

Finally, as when hiring any professional, you need to feel comfortable with the attorney and feel that you can trust them.
Finding the right personal injury attorney to represent you can have a significant impact on winning your case and receiving the compensation that you deserve. The attorneys at Rader Law Group always offer free case consultations and enjoy meeting with prospective clients so that you can learn about our expertise and make the right choice for your case.

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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Common Halloween Injuries and Tips to Avoid Them

October 25, 2021

Boo! According to US Census Bureau data from 2015, more than 41 million children ages 5-14 participate in trick-or-treating . Halloween is loads of fun, but it also has a legitimately scary side to it when revelers don’t take proper safety precautions.

Accidental Fires

According to the National Fire Protection Association (NFPA), on Halloween, “from 2014-2018, an average of 770 home structure fires began with decorations per year… More than one-third (36%) of these fires were started by candles.”

To promote fire-safety, use flashlights or glowsticks to illuminate carved pumpkins instead of candles. If you choose to use candles, ensure that they are placed far away from any other decorations or flammable items. They also should be far away from all entries, exits, and paths that trick-or-treaters will be following – not only will this help prevent fires, it can also help prevent trips and falls. If you are a parent of a trick-or-treater, avoid costumes that are loose and flowy to minimize fire hazards in case your child is near a candle.

Pedestrian Accidents

According to a study conducted by State Farm Insurance and reported by CNN, children are twice as likely to die on Halloween as on any other day of the year . To reduce the chance of your child being involved in a pedestrian accident:

  • An adult should accompany all small children trick-or-treating to help them cross the streets
  • Wear reflective strips on all costumes to increase visibility
  • Stay in well-lit areas

The Safety Council suggests the following steps for drivers to help avoid being involved in a pedestrian crash:

  • Be on the lookout for children on the road, especially while turning into driveways or roads that are not well-lit
  • Be on the lookout for children in dark costumes, who may be oblivious to their lack of visibility
  • If you are a new or inexperienced driver, stay off the roads

    • Drunk Driving Accidents

    Many adults choose to celebrate Halloween by drinking with friends. According to the National Highway Traffic Safety Association, 41% of those who were killed on Halloween night from 2015-2019 were killed in traffic accidents that involved a drunk driver . Moreover, in 2019 alone, 21 vehicle occupants and four pedestrians were killed in crashes with drunk drivers on Halloween . As a driver, it’s simple to avoid being responsible for a drunk driving crash: if you drink, don’t drive. Make sure to arrange for a designated driver, cab, or ride-hailing app to ensure everyone arrives home safely.

    The attorneys at Rader Law Group wish everyone a safe and happy Halloween!

    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:
    US Census Bureau. “Halloween: Oct. 31, 2016” (census.gov). Accessed September 9, 2021.
    NFPA. Halloween fire safety tips | NFPA. Accessed September 9, 2021.
    CNN. 13 scary Halloween health hazards | CNN. Accessed September 9, 2021.
    National Safety Council. Halloween – National Safety Council (nsc.org). Accessed September 9, 2021.
    NHTSA “2021 Halloween Buzzed Driving Is Drunk Driving Fact Sheet and Talking Points”. Fact Sheet available for download on: Halloween | Traffic Safety Marketing. Accessed September 9, 2021.

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    Can I Sue If I was Hit by a Driver with Out-Of-State Coverage?

    October 14, 2021

    Florida is always a top destination for tourist travel, meaning many out-state drivers can be found on our busy roadways. What happens if one of these foreign drivers injures you in a car accident and they have insurance coverage in another state? Can you still sue that driver from another state? Will their insurance still cover them for a crash that happened in Florida?

    For any crash that happens in Florida, the law of Florida will apply. First, it is important to know that Florida is a no-fault auto insurance state, meaning that after an accident, your own auto insurance, through Personal Injury Protection (PIP), covers 80 percent of the reasonable and necessary medical bills, or 60 percent of your lost wages, up to $10,000, regardless of who is at fault. Many people are often bothered that their personal insurance is involved and pays first, but that is the law in Florida, where bodily injury insurance, which would cover the harms and losses above the PIP limits including medical bills and lost wages in the past and future, pain, suffering, mental anguish, loss of enjoyment of life and other intangible damages, is not required.

    For a serious injury, assuming that the at-fault foreign driver had bodily injury coverage, you are entitled to make a claim for full and fair compensation of all of your damages. Typically, auto insurance companies cover accidents that the insured party causes in all 50 states. This is true whether that person is in his vehicle, a rental or driving the car of a friend of family member with permission. There are certain exclusions or limitations in some insurance policies, which is why one of our first steps is to obtain a certified copy of the at-fault driver’s auto insurance policy and to review it carefully.

    Lawsuits can also be filed against out of state drivers for a crash that occurred in Florida. Even though that person was just visiting Florida, he is subject to Florida’s jurisdiction and the law of Florida will apply. The lawsuit would generally need to be served on the at-fault driver in the jurisdiction where he resides, and his deposition would most likely occur in his home state as well. To be successful in a suit for damages arising out of a car crash in Florida, we must prove that the crash was someone else’s fault, that you were injured as a result of the crash and that your injuries are permanent.

    If you live in another state and were injured in a car crash in Florida, you too have rights and may file suit here. Florida law will also apply in that circumstance, and you will be subjecting yourself to Florida jurisdiction. As the claimant or Plaintiff, you may have to return to Florida for your deposition, mediation, trial and/or other related proceedings.

    Below are some helpful tips in the event that you are involved in a car accident, regardless of whether the at-fault driver is a Floridian:

    • Call 911 for the police to come out, file an accident report, and provide emergency medical assistance to anyone in need.
    • Exchange contact information with the other driver. This includes writing down their name, address, phone number, and email, as well as taking a photo of their driver’s license, insurance card, and registration card.
    • Take down the name, address, phone number, and email addresses for any witnesses.
    • Take photos and videos of both cars, any debris on the road, any other pertinent information at the scene, and any visible injuries that you or your passengers have incurred. If you are not sure if something is important to photograph or not, err on the side of caution and photograph it.
    • Seek medical attention as soon as possible. The longer you wait to seek medical attention, the stronger the argument the opposing side can make that your injuries were caused by something other than the accident. More importantly, the longer you wait, the more pain you will be in, and it may delay your recovery.
    • Contact a Florida-based personal injury law firm, like Rader Law Group, to provide a case evaluation. Even if the accident involves someone from out-of-state, since the accident occurred in Florida, it will be under Florida’s jurisdiction. This means that the accident will be subject to Florida laws and if a lawsuit is filed, it will be filed in a Florida court.

    If you have been injured in an auto accident, you deserve justice. Contact Rader Law Group today to discuss your case with our experienced personal injury attorneys. Whether the person who caused your injuries is from Deerfield Beach, Florida or Deerfield, Illinois, we will seek them out and fight aggressively for you to receive your fair compensation.

    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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    Disclaimer: Past results are not a guarantee that we will be able to obtain a similar result for your case since each case is unique. Results represent gross judgement or settlement before any applicable post trial reductions and set offs, the payment of attorney fees, costs, Medicare, Medicaid and medical liens. All results are reflective of judgements or settlements obtained by an attorney at Rader Law Group, and may have been obtained before joining Rader Law Group.

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