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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

Can I Receive Compensation for a Back Injury?

March 24, 2022

One of the most common car crash injuries is back pain. For some victims, a back injury might be temporary and minor. For others though, a back injury can lead to a lifetime of pain and steep medical bills. Your ability to receive compensation for your back injury depends on the following factors:

Level of injury: Florida is a no-fault insurance state. This means that if you are injured in an accident, your personal auto insurance covers the first $10,000 worth of medical bills and lost wages regardless of who caused the accident (subject to your deductible and paying 80% of each bill until it reaches the $10,000 limit). If the cost of your injuries is more than $10,000 and the other driver is at fault, you can file a lawsuit against them. You can recover compensation for economic costs, such as medical bills and lost wages. You may be able to recover non-economic losses, such as pain and suffering, if your injuries meet one of the following criteria:

  1. There must a significant and permanent loss of an important bodily function.
  2. The injury must be permanent.
  3. There is permanent scarring or disfigurement.

Value of Opposing Party’s Insurance: Florida law does not require that drivers carry a minimum amount of bodily liability coverage for others’ injuries. Therefore, the amount of coverage that an individual driver carries can range widely. The amount of compensation that you will be able to obtain will be dependent on the amount of bodily liability coverage that the opposing party purchased.

Value of Your Insurance: If the opposing party lacks sufficient bodily liability coverage, the value of your own uninsured / underinsured motorist coverage will impact the amount of available compensation.

Comparative Negligence: In Florida, the police, insurance company, and/or jury assign both parties in a car accident levels of fault, or blame, for the accident. For example, the other driver may be 90% at fault and you may be 10% at fault. The amount of compensation that you are awarded for the accident will be reduced by the percent that you were at fault. So, if a jury decides that the opposing driver owes you $100,000 for your injuries and that you were 10% at fault for the accident, you would receive $90,000.

Experience and Skill of Your Attorney: Your attorney’s ability to investigate the accident, develop a compelling argument to prove the severity of your injuries, as well as litigate the case in front of a judge and jury, plays a large role in your ability recover damages. At Rader Law Group, we specialize in securing compensation for victims of car accidents. We have won millions of dollars in settlements and judgements for clients who were victims of car accidents. Contact us today so we can develop a plan to help secure 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:
Online Sunshine. Statutes & Constitution :View Statutes : Online Sunshine (state.fl.us). Accessed February 4, 2022.

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Case Verdict – Umbrella Policy Covers Inadequate Auto Coverage

March 21, 2022

On December 28, 2019, our 77-year-old client was a front seated passenger who was injured in a crash when she was hit in the face with an airbag at a high rate of speed. The crash was the result of negligence by both the driver of her vehicle and that of another car. She sustained an orbital fracture of her eye and a nose fracture. She also developed visual problems and double vision together with other orthopedic injuries. As a result of the crash, she is unable to drive and needed the service of an aide. The crash left her disfigured with scarring on her face and a nerve entrapment requiring future facial surgery and scar revision. Both drivers did not have adequate coverage to secure justice for the injuries she sustained, but the client had protected herself by purchasing both uninsured motorist and an umbrella policy. Rader Law Group was recently able to secure policy limits from all drivers and achieved a settlement for the client of $987,500.

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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Car Seat Safety Tips and Resources to Help Prevent Accident Injuries in Coral Springs

March 10, 2022

According to the National Highway Traffic Safety Administration (NHTSA), car accidents are the leading cause of death for children in the US . In 2018, 1,038 children were killed and 190,000 were injured in crashes. Properly using car seats can help your child stay safe in an accident. The Centers for Disease Control and Prevention (CDC) found that:

  • “Car seat use reduces the risk for injury in crashes by 71–82% for children, when compared with seat belt use alone.
  • Booster seat use reduces the risk for serious injury by 45% for children age 4–8, when compared with seat belt use alone.”

Car Seat Stages

Rear-Facing Car Seats: These seats are used for newborns through ages 2-4, depending on your child’s size. Typically, a baby will start in a rear-facing infant seat and then trade up to a larger rear-facing seat after they outgrow the first one. The manufacturer will list specific height and weight requirements for the seat and your child should stay in it until they exceed those requirements. The seat should be used only in the backseat of the car. It features a harness and provides the maximum amount of protection.

Forward-Facing Car Seats: Children should use these car seats after they outgrow the rear-facing car seat until at least age five. They should stay in this seat until they outgrow the manufacturer’s height and weight requirements. Similar to the rear-facing seats, this seat also contains a harness to provide additional protection in a crash.

Booster Seats: Booster seats help position an older child so that the car’s seat belt will fit them correctly. Most children should stay in the booster seat until between ages 9 – 12, depending on their size.

It’s safest for your child to stay in each car seat stage as long as possible because each subsequent stage provides less protection than the one before. In addition to using the right car seat, it’s imperative that the seat is properly installed. If you want to check that your child is in the right car seat and that it is properly installed, contact the Coral Springs – Parkland Fire Department for a car seat check. To make an appointment, call them directly at 954-346-1396. Or, if you live in Sunrise, contact the Sunrise police department at 954-746-3611.

Even if you are a careful driver, you may still be involved in an accident through no fault of your own. Buckling your child into a properly-sized and installed car seat can make all the difference in their outcome from the accident.

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:
NHTSA Traffic Safety Facts. 2018 Data: Children (dot.gov). Accessed February 16, 2022.
NHTSA Traffic Safety Facts. 2018 Data: Children (dot.gov). Accessed February 16, 2022.
Centers for Disease Control and Prevention. Child Passenger Safety | CDC. Accessed February 2, 2022.
Centers for Disease Control and Prevention. Child Passenger Safety | CDC. Accessed February 7, 2022.
Centers for Disease Control and Prevention. Child Passenger Safety | CDC. Accessed February 7, 2022.
Centers for Disease Control and Prevention. Child Passenger Safety | CDC. Accessed February 7, 2022.

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I Was Mugged While Leaving a Restaurant and the Assailant Was Never Caught. Can I Recover Damages?

February 17, 2022

You are having a fantastic night out with your friends. When the evening ends, you walk back to your car and are mugged in the parking lot. The assailant makes away with your wedding ring, heirloom jewelry, designer bag, cellphone, and hundreds of dollars in cash. Meanwhile, you are left lying on the parking lot floor, injured, scared, and alone. The police are called and begin a search for the assailant. Unfortunately, despite their efforts, the criminal escapes. What now? You have medical bills, psychological scars, and lost wages. What recourse do you have?

Criminal Law vs Civil Law

The U.S. has two court systems: the criminal courts and the civil courts. In a criminal court, the person accused of a crime (the defendant) is found either guilty or not guilty and can be fined or imprisoned depending on the outcome of the trial. If your assailant had been arrested by the police, they would stand trial in a criminal court and likely be sentenced to jail. While this outcome would serve justice from a crime perspective, it will not help pay for your medical bills. This is where the civil courts come in.

In a civil court, a crime victim can sue those responsible for the crime for financial restitution. In the situation of being mugged in a restaurant parking lot, there are three parties that could potentially be held liable: the criminal, the restaurant owner, and the landlord (if that is someone different than the restaurant owner). Even if the criminal had been found, it is unlikely that he would have the resources to pay for your losses, so suing him would not help your financial position. While the restaurant and landlord did not perpetrate the crime against you, they may be partially responsible for it due to negligent security.

Negligent Security Lawsuits

To win a negligent security case, you will need to prove that 1) there was a potentially dangerous condition on the restaurant’s property that they either knew about or should have known about, 2) they did not take steps to remedy the condition, and 3) this lack of care caused your injuries. Some examples of negligent security by the restaurant or landlord could include:

  • Poor lighting
  • Lack of security guards or security guards that are not paying attention to their surroundings
  • Lack of security cameras
  • Tall or unkept shrubbery that a criminal could hide behind

A property owner is legally required to take steps to ensure the safety of their customers. If they failed in their duty to do this, you may be able to receive compensation for your stolen items, medical bills, lost wages, and pain and suffering. Contact Rader Law Group to learn about your rights and how you can receive the financial justice 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.

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Rubin Stacy Memorial Blvd.

February 9, 2022

February 8, 2022 was an incredibly moving and historic day for the Broward County, the City of Ft. Lauderdale, and the citizens of our community and I am proud to have taken a part.

Rubin Stacy was a 29-year-old resident of Broward County. He was a husband, son, father, brother, uncle and a gainfully employed hard-working man living in a house in Fort Lauderdale on NW 2nd Street. He was Black and unfortunately, reprehensibly, he was lynched and shot multiple times by a white mob right here in Broward County just off of Davie Blvd. on July 19, 1935. He was not protected by the law, he was not given a fair trial, he certainly did not receive justice in our county.

In July 2020, I reached out to Mayor Trantalis and to Commissioner Ben Sorensen with the idea, arrived at after a discussion with retired Judge Scott Silverman, that in order to really do justice in this matter we should try to recognize this for what it is by thinking bigger and changing the name of Davie Blvd, the street off of which the lynching took place.

With the help of Commissioners Sorensen and McKinzie we got it on the agenda and, on June 15th, 2021, at the Fort Lauderdale Commission meeting, Curtis Mozie, Mary Russ-Milligan, and I appeared and spoke on behalf of changing the street name, while members of Mr. Stacy’s family looked on from the audience, and the Ft. Lauderdale city Commission agreed to do so by unanimous vote. Yesterday, that became a reality and a 2 mile stretch of Davie Blvd. now bears the name of “Rubin Stacy Memorial Blvd.” on about 80 signs at the intersections from 441 to I-95.

I want to thank the City of Ft. Lauderdale, Commissioners Sorensen, McKinzie, and the entire Commission and staff for their desire and willingness to demonstrate that as a city, as a community, we can recognize the injustices of our past and do something about it.

I want to thank the members of Rubin Stacy’s extended family, some of whom are here, and many of which have been supportive of moving us all closer to closure on this horrific incident in our collective history. Understanding, as we do in Parkland, the devastating aftereffects of violence effectuated upon families, we need to all appreciate that the ripple effects of terroristic violence can be felt even generations later. It is my hope that this reckoning and understanding helps this family with healing.

I want to thank the members of the Broward County coalition who have been working with me to help make a change, particularly Patricia Cruz, Taneka Lawrence, Diane Cuddihy, Chandra Rudd, Derek Davis, Gene Tinnie, and those mentioned earlier, many of whom continue to actively seek ways to bring us all closer together and strive towards achieving the goal of rooting out racial intolerance and injustice.

I also want to thank the many municipalities and commissioners in this county who sided with Fort Lauderdale’s decision and passed resolutions in their own cities demonstrating their support for the renaming of the roadway and the reasons why. We need community leaders who are willing to speak up and help make a change. Many of them are here today and I thank you.

This is a step in the direction of making change. This is a step in the direction of moving our community to a place where, as Dr. King stated, we are not judged for the color of our skin but by the content of our character. The renaming of this major roadway in our county will long serve as a reminder that we must continue to strive to overcome the scourge of racism and injustice wherever it might occur. Rubin Stacy’s name on these signs, lining the road near where he took his last breath, should be a teachable moment for all who read his name.

Photo courtesy of Andrea Ebanks & Dale Holness.

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Assault Cases in Coral Springs Rank Higher than All Other Violent Crimes!

February 8, 2022

As residents of Coral Springs, we are fortunate to be able to go about our daily activities without fear or constantly looking over our shoulders. Nationally, Coral Springs is ranked in the 80th percentile for safety, meaning that the city has a lower crime rate than 80 percent of other cities in the United States. However, that doesn’t mean the city is crime-free. In fact, on average, a crime occurs in Coral Springs every 4 hours 6 minutes.

Violent Crimes

Violent crimes are the most frightening of all crimes. In addition to the physical damage they inflict on a victim’s body, the emotional scars from a violent attack can last a lifetime. These crimes are defined as assaults, robberies, rapes, and murders. The city is ranked in the 58th percentile in terms of violent crime, meaning that 42 percent of cities have less violent crime and 58 percent have more violent crime. Of the different types of violent crime, assault has the highest crime rate, at 1.43 assaults per 1,000 residents.

Property Crime

Property crimes include theft, vehicle theft, burglary, and arson. Depending on the extent of the destruction, these types of crimes can cause thousands, or sometimes even millions of dollars of damage. In Coral Springs, the most common type of property crime is theft, with a crime rate of 5.33 thefts per 1,000 residents.

Other Crime

This category is a catch-all for crimes such as kidnapping, drug crimes, vandalism, identity theft, and animal cruelty. Vandalism and drug crimes are the two most prevalent of these types of crimes in Coral Springs.

What To Do If You Are a Crime Victim

If you are the victim of a crime, your first step is to call 911. Give the police all the information you have about the crime so that they can start an investigation and bring the perpetrator to justice. If you are physically injured, seek medical care. Whether you are physically injured or not, it may be beneficial to speak with a therapist to work through the psychological impact of the crime on your mental health. If you are the victim of a property crime, contact your homeowners insurance to begin the process of recouping your stolen assets.

In addition to pressing criminal charges against the assailant, you may be able to recoup damages in a civil case, depending on the specifics of your situation. Contact Rader Law Group for a free case evaluation. We will advise you if pressing civil charges is an option to help recoup your losses. Our goal is always for our clients to receive justice.

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:
All data in this article is sourced from Crimegrade.org. The Safest and Most Dangerous Places in Coral Springs, FL: Crime Maps and Statistics | crimegrade.org. Accessed January 14, 2022.

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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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