FORT LAUDERDALE, Fla., March 17, 2016 /PRNewswire/ -- MausLaw Firm, a personal injury and insurance dispute firm located in Fort Lauderdale, Fla., helps policy holders stay aware of the new insurance trends. One such trend is recent consideration by the Florida legislature, with the aid of insurance company lobbyists, to craft laws and policies so that new policies offer very little protection for consumers, yet insurance premiums continue to go up.
Because of this new trend, policy holders are continuing to lose more rights under their insurance policies, particularly for both car accident insurance policies and homeowner insurance policies – two of Maus Law Firm's main areas of practice.
"Many people do not realize what their insurance policy provides protection for until they need their policy and find out about the many exclusions used by insurance companies to deny coverage," said Joseph Maus, Managing Partner of Maus Law Firm. "For example, the insurance lobbyists recently asked the Legislature further restrict homeowner policies by requiring notice of a loss within 72 hours following the loss, even though some people do not realize they have an insurance claim within that time period."
Another effort by the insurance lobbyists was to limit the amount of emergency restoration coverage your policy would cover. Emergency restoration includes water dryout, mold remediation, and emergency plumbing repairs following a loss. This new piece of legislation would limit emergency restoration service bills to a total of $2,500 despite their bills usually being much higher. Typically, emergency restoration bills can go as high as $10,000 depending on the severity of the loss.
A few years ago, the auto insurance companies successfully lobbied the Florida Legislature and got them to enact more restrictions on Personal Injury Protection (PIP) coverage. Florida is a no-fault state, which regardless of who is at fault for the accident, your PIP covers initial medical bills, usually up to $10,000.
However, in 2013, a new provision went into effect requiring a person injured in a car accident to be seen by a medical doctor and diagnosed with what is termed an "emergency medical condition". If the person is not diagnosed with such a condition, then their PIP coverage is limited to only $2,500. This is usually not even enough to cover your emergency room bill, or allow you to see a specialist following your accident.
About MausLaw Firm
Maus Law Firm, located in Fort Lauderdale, Fla., proudly serves clients in all of South Florida including Fort Lauderdale, Boca Raton, Hollywood, Pompano Beach, and surrounding areas.
Attorneys at Maus Law Firm have tried more than 130 jury trials, and recovered millions of dollars on behalf of their clients. In fact, most of our cases are referred from our former clients on cases in which we served as the lead accident claims lawyer. The Maus Law Firm has been recognized by the Florida Justice Association, a statewide collection of trial attorneys, is a member of the Million Dollar Advocates Forum, and is a member of the Trial sections of the Florida Bar Association and Broward Bar Association.
Practicing law in South Florida since 1993, Joseph Maus is a Florida native who currently practices representing victims of injury and accident claims, homeowner property damage claims, and insurance contract disputes.
Maus has been "AV" rated by Martindale-Hubbell since 2004. An "AV" rating is the highest rating awarded for professional ability and adherence to professional standards of conduct and ethics. Maushas also been recognized since 2010 by Florida Trend Magazine as one of Florida's "Legal Elite", and by West Thompson Publishing "Superlawyers" listing in the area of civil trial. Maus is currently admitted to practice before the United States Supreme Court, the United States District Court for the Southern and Middle Districts of Florida, and all Florida State Courts.
For more information, please visit www.mauslawfirm.com or call 954.784.6310.
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SOURCE Maus Law Firm