Law Offices of Lawrence J. Marraffino, P.A.
Call us at: 352-376-0102
Interested in learning more?
Car Accidents
Car accidents can be devastating. You suffer injuries, your car is damaged and you don't know who to turn to for help. Before you know it, insurance companies are calling you and you don't know what to do or say. As soon as you come to see us, we will take over all communication with the insurance companies, help you with your medical bills, lost wages, and getting your car properly repaired or replaced. Call and Mr. Marraffino will speak to you PERSONALLY. Your questions will be answered by him, not a paralegal or legal assistant.
If you are seriously injured, Mr. Marraffino is a Florida Bar Board Certified Civll Trial Lawyer with over 27 years of actual trial experience to get the best recovery possible for you. Of course, if we don't recover any money, there are never any fees or costs owed to us. Call Gainesville Car Accident Lawyer Lawrence J. Marraffino and he will personally answer your questions.
Before you talk to an insurance company after a car accident YOU SHOULD HAVE YOUR OWN ATTORNEY! They have lawyers that work for them full time. You need a lawyer right away to protect your rights to make sure YOUR rights are protected, to make sure YOUR medical bills are paid and to make sure YOUR vehicle is repaired properly or replaced.
Board certification recognizes attorneys’ special knowledge, skills and proficiency in various areas of law and professionalism and ethics in practice.
Certification is the highest level of evaluation by The Florida Bar of the competency and experience of attorneys in the 24 areas of law approved for certification by the Supreme Court of Florida.
Established in 1982 by the Florida Supreme Court, board certification helps consumers identify specialists in various areas of law.
Board certified Florida Bar members are the only Florida attorneys allowed to identify themselves as “Board Certified,” “Specialist,” “Expert” or to use the letters “B.C.S.” for Board Certified Specialist on business cards or letterhead, in legal directories or in advertising. Call Gainesville Car Accident Attorney Lawrence J. Marraffino for answers to your questions.
Florida No-Fault Insurance Explained
Personal injury protection (PIP) is mandatory coverage on an auto policy in Florida. This coverage pays 80 percent of "reasonable and necessary" medical costs and 60 percent of lost wages to the driver and passengers of an insured vehicle, regardless of who is at fault. Each vehicle's occupants must submit their medical claims to the respective insurance companies.
Medical Payments
Medical payments (MP) is an optional coverage available in Florida auto insurance policies which pays the additional 20 percent of the medical costs not covered under PIP. In the absence of this coverage, the non-covered costs would be submitted to the responsible party's insurance company for reimbursement under his bodily injury liability coverage, if such coverage is present.
Property Damage Liability
Property damage liability (PDL) is also mandatory for Florida drivers. Unlike PIP, this coverage only pays when an insured driver is legally liable for damage to the property of another person resulting from a covered auto accident. If you are the responsible driver, damage to your own vehicle is covered by your collision coverage or not at all.
Minimum Liability Limits
Florida drivers are required to carry a minimum policy limit of $10,000 PIP and $10,000 PDL. Higher limits and additional coverages are available for additional premiums. Each bill you submit to the insurance company reduces the total benefit available so buy limits which are adequate for your family's needs.
After you have healed as much as you can from your injuries, then we are ready to demand a settlement from the driver who was at fault and his or her insurance company.
