What happens if I am hit by someone with no insurance?

What’s up everybody on social media? It’s your personal injury attorney Derek Bernstein here doing a vertical video for the gram and I want to give you some advice regarding your insurance policy. So something I was asked yesterday is what happens if you don’t have um insurance, uninsured, or underinsured insurance and you’re hit with somebody who has no bodily injury coverage? So they have no bodily injury coverage, you get hit by them; you’re really hurt, what happens? Well you can sue them, you can sue them individually, but what happens if they are like the average person in the United States and they don’t have any damn money? The old saying: you can’t get blood from a stone. So if you know UM, they have no BI, you are SOL.  Lots of acronyms there. You know what SOL means right? So don’t be the person who doesn’t have underinsured, motor coverage. 1 in 7 people in the state of Florida don’t have any insurance. The other percentages are way underinsured. If you get hurt really bad, your missing work, you need surgery, if you don’t have um insurance, and I suggest one hundred thousand dollar’s worth of um insurance, you are going to be screwed if you get hurt. If you don’t know if you have it or not, you think you have full coverage, hit me up; send me your declaration pages of your insurance policy to Derek@LawBernstein.com. Derek@LawBernstein.com. I will take a look at them for free. Make sure if you ever get in a wreck, you are not screwed and you can actually get back on your feet. Get the treatment that you need to get back to you and your family. Have a good one guys, keep ’em coming.

What to do if hurt at LKQ?

What’s up everybody out there in social media land? It’s your personal injury attorney Derek Bernstein and I’m here at LKQ pick-your-part to give you a little legal advice. Not just that if you come pick your own parts, it’s super cheap. You look online for the inventor of what you have. Were here pulling a back bumper for my wife’s car that was damaged but I’m talking about the liability. So you come out, look at this, cars up on jack stands, things are crazy right? If you’re coming out to one of these places and you hurt yourself, it’s going to be on you for the most part. 99% of the time, this is one of those do at your own risk. You’ll probably see a liability waiver that you sign when you come in and you have to sign it or they don’t let you back here. It’s because this is just inherently dangerous to pull your own parts out here. You can see these cars are on tires and stuff, there not on proper jack stands and things of that matter. So they’re safe, I’ve been out here many, many times pulling car parts when I used to have my old 98 Saturn but know when you come out here, you’re signing a liability waiver and you are pulling parts at your own risk. Saves a ton of money. I recommend it for people especially with later models cars but it is risky. So it’s your personal injury attorney Derek Bernstein telling you to come to LKQ pull some parts, but be careful because you’re doing it at your own risk. Have a good one guys.

Who do you sue if you slip and fall on a sidewalk?

What’s up everybody out there in social media land? It’s your personal injury attorney Derek Bernstein wearing my branded t-shirt Bernstein law, here walking down the streets of beautiful downtown Saint Petersburg after deposition with a client who was severely hurt. Walking on these sidewalks got me thinking of another case I have regarding somebody who was injured on a sidewalk. So who owns these sidewalks? Who can you sue if you get injured? And the question there is there more than likely the city that you’re in. so I’m in downtown St. Petersburg. I trip and fall over some dangerous thing on the ground that the city should have cleaned up. I’m going to sue the city of St. Petersburg because they didn’t maintain these sidewalks properly but the thing is when you’re sueing a government agency like that: city of St. Petersburg, Hillsborough county, city of Clearwater, wherever you are, they get a cap on how much they could possibly payout and I believe the number right now sits at about 250,000 dollars. So, you trip and fall, break your leg, that leg needs to be amputated, now you’re an amputee walking around on a peg leg. Good for Gasparilla, bad for your life.

How long to bill insurance?

Hello everybody out there in social media land. It’s your personal injury attorney Derek Bernstein leaving the beautiful courthouse on a beautiful spring day here in Clearwater Florida and I have some information for those people who work in billing: medical billing, chiropractors, MDs, DOs, PAs, whoever. If you’re dealing with car crashes, you have 35 days to send in your billing. So your health insurance claim for CMS 1500 claim form, you have to put in your codes, you gotta remember your modifiers but you have 35 days. So I know sometimes people come in, they say “I don’t know what insurance I have. I don’t know if I have insurance. I don’t know if it laps” what should you do in that instance? Should you just do nothing? Wait for the attorney to get back to you on what they actually have? I say no. ask them to make their best educated hypothesis of what their insurance is or their last one. Send it in so if you send it into Geico, they write back “hey it’s not us it’s actually progressive” but the attorney gets back to you three months later and says “hey sorry it wasn’t Geico, it was state farm”. Then you qualify for that being sent in timely. So you send your proof of mailing that you send it to Geico originally within 35 days and then you send it into the new insurance company and you get it. If you’ve sent to nobody originally, you have no leg to stand on. So if you have any other billing questions, PIP questions, personal injury, criminal, family, whatever you know, hit your boy up. Derek Bernstein, Derek@LawBernstein.com, 727-209-7957. Hit me up on the gram, hit me up on LinkedIn, everything but Snapchat I don’t like snapchat. Keep them coming guys keep those questions coming. Enjoy this beautiful spring day

What do I do if I don’t want to go to the hospital after a crash during covid-19?

What’s up everybody in social media land? It’s your personal injury attorney Derek Bernstein hanging out near the pool because its Corona time right? So I’m here to give you some advice for those of you who may get into an accident, sadly, in the next time while this COVID thing is going out and you’re too afraid to maybe go to the hospital after a crash or go to an urgent care. Well, I urge you to definitely hit up urgent care after a crash to get checked out because remember you only have fourteen days in the state of Florida to get checked out after a car crash or you lose your ten thousand dollars in PIP. One of the things that a lot of people don’t know is: you can get checked out at the scene of the accident by the EMTs, the paramedics’ right? So if you’re afraid to go there, tell the officer after you call because you watched my other video about calling to make sure you get a police report and say “yes I’d like to get EMT checked out. Notate what company did it and who did it and when you call your attorney, after you get out of the accident scene to a safe place, let them know “hey Sunstar came out. I got checked out by an EMT / I got checked out by this paramedic. Hillsborough County. Osceola County. Pinellas County. EMT’s came out and checked me out”. That’ll open up your fourteen-day window and then you can choose to get seen by a smaller operation like a chiropractor, PT, MD, whomever. That is recommended by your attorney. That is safe and COVID free so, if you have any other questions about what you should do at a car crash during Corona, hit me up. 727-209-7957. Derek@LawBernstein.com. You’re watching this; wherever you are, you can hit me up, leave a message in the box. Have a good one guys, stay safe.