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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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Back to School Safety Tips for South Florida Residents

Back to School Safety Tips for South Florida Residents

School is back in session this week in South Florida which can be chaos for drivers during their commute to work and a potentially overwhelming situation for parents and children. This year more than others, with many South Florida children returning to school for the first time in a year and a half due to the Covid-19 pandemic, there are challenges and safety concerns that face us all. We encourage you to read and to speak with teachers, school administrators, local leaders, and pediatricians as we all attempt to navigate this new world together. Most importantly, speak with your children about safety rules to follow in and around school.

Commuters usually love the summertime because they know there will be no delays at crosswalks, no school zones and less traffic overall. During the first week of school, there is an increased risk of transportation related injuries for children due to pedestrian, bicycle, school bus, and motor vehicle accidents. This may be even more true this year, as it has been a long time since South Florida’s drivers have had to worry about busy school zones in the mornings and afternoons.

Here are a few things to consider and be aware of, especially for the first week back to school.

  • Give yourself a few extra minutes to get to work due to increased traffic, school bus stops and school zones.
  • Keep an eye out for young pedestrians that are paying more attention to their cell phones and friends than their route to school and the hazards they are facing.
  • Put your own cell phone away while you are driving. Looking down for even a second could cost someone their life, and create a horror that you will have live with for the rest of yours.
  • Stop fully at all stop signs and crosswalks. It is illegal to pass through a stationary stop sign or one held by a crossing guard.
  • Obey all school zones and keep in mind the speed limit in South Florida is generally between 15-20 mph during designated times of the day.
  • Teach your children to listen to crossing guards on the streets and teachers in the carpool lines. Make sure they know to look both ways before crossing the street, avoid distractions and being alert at all times.

A new school year is also a time for newly licensed drivers to commute to school. This can be exciting for them, but also dangerous. According to the CDC, teens are more likely than older drivers to underestimate dangerous situations or not be able to recognize hazardous situations. Car crashes are the #1 cause of death among teens. New drivers can be distracted more easily and are more prone to getting into a car accident since they are not as experienced. A new school year and using a new method of transportation could stress teens out and increase their risk of speeding to make it on time. Practice safe driving regularly with your teen drivers, make sure they put their phones down while driving (!!!) and look into the numerous apps to monitor their driving practices and habits.

 

According to the National Safety Council, most of the children who lose their lives in bus-related incidents are between the ages of 4 and 7, and they are walking at the time of the incident. They are either hit by the bus, or by a motorist illegally passing a stopped bus. Instruct your children how to enter and exit a bus properly, to wear seatbelts on the bus when they are provided and how to properly cross in front of a bus.

Accidents and injuries can also happen on playgrounds in and around schools. It is important that you speak with your children and calmly ask what happened, so that they feel comfortable explaining to you their injuries and symptoms. This is especially true with closed head injuries and concussions, which often go undocumented or undiagnosed. Make sure your children feel safe speaking to you and teachers about their injuries or safety problems around the school.

Childhood abduction is also a very serious concern as schools go back into session. Children should understand basic stranger rules, not getting into unknown cars and reporting suspicious activity to a responsible adult. Some parents use a password that only their kids and trusted friends and family will know in an effort to avoid abduction. Other parents now use tracking apps on phones, or chips and tags sewn into backpacks, to monitor where their children are.

Please keep all the students safe by taking extra precautions and stay alert while you are driving. With a little extra care and attention, we can all make it to our destination safely and ensure the safety of those around us, especially schoolchildren. We are all in this together.

If you or a loved one has experienced an injury in or around school, be it a traffic accident or crash, playground injury or trip and fall on school property, call the injury attorneys of Rader Law Group today. If you are interested in learning more about our firm, how we can help you or our continued commitment toward protecting the children in our communities, please email us or call us at 954-913-2273.

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How the Use of a Life Care Plan Can Maximize Your Personal Injury Claim

If you or a loved one have been seriously injured due to someone else’s negligence and plan to file a personal injury claim, developing a life care plan can help you to maximize the amount of funds that you are able to recover in your case.

What Is a Life Care Plan?

According to the International Association of Rehabilitation Professionals, a life care plan is “a dynamic document based upon published standards of practice, comprehensive assessment, data analysis, and research, which provides an organized, concise plan for current and future needs with associated costs for individuals who have experienced catastrophic injury or have chronic health care needs.” In summary, a life care plan is a document that details the lifetime needs of an individual with a chronic disability.

The plan is written by a certified life care planner, who, in addition to having a background in a health specialty, also has the additional certification of being a life care planner. Some backgrounds of life care planners include rehabilitation counselors, nurses, social workers, physical therapists, counselors and occupational therapists.

The life care planner reviews the individual’s medical records, any special equipment they need, daily care requirements, necessary adaptations to their home or transportation, employment records, and (if applicable) school records. They interview the individual, their family members, doctors, other healthcare providers, and any other relevant individuals to develop a full picture of the individual’s daily and lifetime needs. They also research and assign a cost to each element of the individual’s life. The end result is a comprehensive document that details nearly every facet of a disabled person’s life now and projected into the future and the lifetime costs they will incur as a result of this.

Why A Life Care Plan is Important

Due to its comprehensive nature, the life care plan is an excellent vehicle to educate the opposing side, judge, and jury on the severity of someone’s injuries and why they need the funding they are requesting.

  • The plan clearly identifies all of the medical issues the individual is experiencing and their life impact, so the opposing side, judge, and jury more easily understand the severity of the injuries and their toll on the individual’s life moving forward.
  • When asking the opposing side or the court for hundreds of thousands, or millions, of dollars in compensation, some people may think that the injured person is trying to make money off of a bad situation. The life care plan shows concrete reasoning for why you are asking for that specific dollar amount.

If you or a loved one is contemplating filing a personal injury claim, contact the experienced attorneys at Cutler-Rader to determine if a life care plan is the right option 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.

References Used:
International Association of Rehabilitation Professionals. What is Life Care Planning – LCP (rehabpro.org). Accessed July 1, 2021.

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Case Verdict – Multiple Collision Automobile Accident While On The Job

Our client, a young man of 26 years, was a seat-belted driver, in the course and scope of his employment, when the at-fault driver collided into the rear of his vehicle forcing our client to collide into the rear of another vehicle. The impact was so severe that it further caused our client’s vehicle to swerve in a Southeasterly direction making him collide with another vehicle. This crash wound up being an eight-car collision. The client’s vehicle sustained both rear-end damage as well as a frontal impact and as a result he was exposed to several collision related injuries and significant property damage.

Immediately following the automobile accident, he lost consciousness, caused by a drop in his blood pressure (Syncope) and he was placed on a stretcher and transported by Fire Rescue to the hospital. He was complaining of headache, neck, back and foot pain. It was determined after careful examination and multiple diagnostic tests that he had suffered a concussion, left subclavian thrombosis of chest, cervical herniated disc at C6-7 and C7-T, neck pain and back pain. He was instructed to follow up with a neurosurgeon for further evaluation.

After extensive care, medical bills in excess of $75,000 and experiencing pain on a daily basis, he says that the pain started the night of the accident, and it has become a part of his everyday life. He wakes up every morning with neck and low back pain. He is uncomfortable sitting for very long and has to lay down in hopes of relieving his low back pain and he experiences pain while driving during his work and neck pain when reading. He was and is still, very active physically, but he has never experienced neck and the back pain prior to this incident, because before the accident he was pain free. Even though he was unable to go to therapy because of COVID, and thereafter made a great recovery, Rader Law Group was able to obtain a substantial 6 figure settlement for their young client.

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 Brain Injury Symptoms to Look Out for After an Injury

You are shopping at a grocery store. As you walk down the aisle, looking for your favorite kind of cookies, you come around the corner and, not knowing anything is amiss, you slip on a spill of canola oil, that has been leaking from the shelf for quite some time. Your feet fly out from under you, and you strike your head on the hard, concrete floor. You have a slight headache, but otherwise feel ok. Are you really ok though?

Traumatic Brain Injuries – A Hidden Danger

What you might think is just a headache could actually be a traumatic brain injury (TBI). The National Institute of Neurological Disorders and Stroke defines a TBI as “a form of acquired brain injury [that] occurs when a sudden trauma causes damage to the brain.” It can be caused when the head forcefully hits another object or when an object breaks through the skull and injures the brain tissues (e.g., a bullet) . This kind of injury occurs in slip and fall incidents, car crashes, and other traumatic situations.

According to the Centers for Disease Control and Prevention (CDC), approximately 165 Americans die each day from a TBI and another 613 are hospitalized. Of those that sustain a nonfatal TBI, the Florida Violence and Injury Prevention Program found that the median length of hospital stay was three days, and the median hospital admissions charge was $48,794.

Symptoms of a Traumatic Brain Injury

A Traumatic Brain Injury can cause mild, moderate, or severe damage. Signs of a mild TBI include:

  • Headache
  • Nausea/vomiting
  • Fatigue
  • Speech problems
  • Dizziness / loss of balance
  • Blurred vision
  • Ringing in the ears
  • Change in the ability to smell or taste
  • Sensitivity to light / sound
  • Loss of consciousness for up to a few minutes
  • Appearing dazed or disorientated
  • Memory or concentration problems
  • Mood swings / feeling depressed or anxious
  • Changes in sleeping patterns

Signs of a moderate to severe Traumatic Brain Injury can include all the mild TBI symptoms as well as:

  • Loss of consciousness up to a few hours
  • Constant headaches
  • Seizures
  • Pupil dilations, especially if one pupil is more dilated than the other
  • Clear fluids draining from the nose or ears
  • Weakness / numbness in the fingers and toes
  • Profound confusion
  • Unusual behavior
  • Slurred speech or coma
  • The symptoms can vary based on the type of injury, its severity, and location within the brain. While some symptoms can appear immediately, others may take weeks to appear.

    So is that headache after falling just a headache or a TBI? Only a doctor can tell. It’s essential to seek medical attention right away after hitting your head. Additionally, even if the doctor tells you that it is not a TBI, make sure to be on the lookout for other TBI symptoms that may develop over time because TBIs are often misdiagnosed at the initial medical appointment.

    A TBI can change the trajectory of your life. If you or a loved one believe that you have suffered a TBI due to someone else’s negligence, contact Rader Law Group for a free case evaluation. We will fight to make sure you 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:
    National Institute of Neurological Disorders and Stroke. Traumatic Brain Injury Information Page | National Institute of Neurological Disorders and Stroke (nih.gov). Accessed June 4, 2021.
    National Institute of Neurological Disorders and Stroke. Traumatic Brain Injury Information Page | National Institute of Neurological Disorders and Stroke (nih.gov). Accessed June 4, 2021.
    Centers for Disease Control and Prevention. Let’s Prevent Traumatic Brain Injury | CDC. Accessed June 4, 2021.
    Centers for Disease Control and Prevention. Surveillance Report (cdc.gov). Page 12. Accessed June 4, 2021.
    Florida Violence and Injury Prevention Program. TBI_8.5×11 (floridahealth.gov). Accessed June 4, 2021.
    Mayo Clinic. Traumatic brain injury – Symptoms and causes – Mayo Clinic. Accessed June 4, 2021.
    Mayo Clinic. Traumatic brain injury – Symptoms and causes – Mayo Clinic. Accessed June 4, 2021.

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    I Was Attacked in a Public Parking Lot: Do I Have Grounds to Sue for Compensation?

    Do you feel vulnerable when you walk by yourself in a parking lot? If you do, your fears are not unfounded. Parking lots, especially at night, can provide many hiding spots for a criminal looking for a target. If you are attacked in a parking lot, you may be entitled to compensation from the parking lot owner. While the attacker is the one who committed the crime, the parking lot owner has a responsibility to provide an environment that is safe from foreseeable safety incidents.

    Premises Liability and Duty of Care

    Premises liability laws describe the duty of care that a property owner must provide to the users of their property. In a parking lot, this means that a parking lot owner must take reasonable steps to ensure that the parking lot users are safe when they are in the lot. Some examples of this can include providing good lighting, using security cameras, posting signs pointing out the security cameras, and/or providing a security guard. If the parking lot is located in a high-crime area, a parking lot owner must take more precautions than in a low-crime area.

    To win a premises liability claim against a parking lot owner, the crime victim needs to show that:

    • The parking lot owner knew or should have known about conditions in the parking lot that could make a customer a crime victim
    • The owner failed to correct the conditions or warn the customer about the conditions
    • The customer was attacked in the parking lot because of the conditions

    What To Do If You are Attacked in a Parking Lot

    1. Call 911. File a police report and seek medical care right away.
    2. If possible, take photos or videos of the crime scene. Also, if possible, take down the names and contact information of any witnesses.
    3. Contact the owner of the parking lot and let them know that the incident occurred. Request that they send you any security camera footage of the incident.
    4. Contact an experienced personal injury law firm, like Rader Law Group. It’s important to call an attorney as soon as possible so they can investigate the crime scene first-hand for evidence. Time is of the essence. The longer you wait, the easier it is for evidence to go missing, for the parking lot owner to change the conditions of the parking lot, and for witnesses’ memories to fade.

    Rader Law Group’s attorneys are experts in premises liability cases. We have won millions of dollars for clients who were injured as a result of a property owner’s negligence. If you were attacked in a parking lot, contact us today for a free case evaluation.

    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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    Case Verdict – A Low Impact Crash Does Not Always Mean Minor Injuries

    One of the more difficult types of cases we handle is what we call the LIST or low impact, soft tissue car crash case. Often times, jurors, adjusters and defense attorneys have a hard time understanding how someone could be so injured in a car crash when the damage to the vehicles involved is relatively minor. It is our job as Plaintiff’s lawyers to prove that element called causation, linking the injuries to the crash.

    In a recent case, our client, a lovely middle-aged woman, was hit from behind in stop and go traffic on the highway. There was not much visible damage to her car, or the car that hit her. The police were not even called to the scene. Shortly after the crash, our client began experiencing severe lower back pain that radiated to her legs. After years of therapy, tests, injections, massage, acupuncture and living through a life of misery, she ultimately underwent a lumbar fusion to repair the injured disc in her back, and fortunately made an excellent physical recovery and returned to a much happier way of life.

    The insurance company initially did not believe our client was injured from this crash. After they made a very low offer pre-suit, of less than $10,000.00, we successfully litigated the case, resulting in a mid-six figure result for our client.

    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