What Is a “No-Fault Claim” and Where Is It Applicable?

No-fault insurance” means that the carrier of your auto insurance will take on the task of paying either some or all of your accumulated medical bills, as well as lost earnings, in the case of an accident. This holds regardless of who is at fault.

In these following states, a “no-fault” claim is covered under your personal injury protection benefits, otherwise known as PIP benefits. This includes: Florida, District of Columbia, Hawaii, Kansas, Kentucky, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah.

In Florida, it is required that all drivers have Personal Injury Protection benefits under their insurance policies at minimum. This includes $10,000 in (PIP) benefits and $10,000 in property damage liability benefits.

Not only does PIP cover the individual in an accident, but there are several very case-specific scenarios in which PIP will cover others. For example, it will cover the individual’s child/children, relatives within the household, passengers without PIP coverage and who don’t own a vehicle, and licensed drivers who drive the vehicle with permission.

In many states, it is not required to make a claim for personal injury damages against another driver unless your medical bills reach a certain level or your injury is considerably serious. This was enforced in an attempt to avoid smaller claims and congestion in the court system.

In Florida, for example, only accidents that result in permanent injury or significant and permanent scarring or disfigurement will allow someone to make a claim outside of the “no-fault” regulations. Since these conditions are quite vague, consulting with an attorney to see if you qualify beforehand would be recommended.

The clearest advantage to the Florida No-Fault Law is that it allows for speedy payment of claims for medical bills and a loss of wages alike, without the need to investigate or determine fault. With that being said, there are also certain limitations like not providing for emotional distress, inconvenience, or similarly linked issues.

For more information like this, you can read the #1 Amazon Bestseller “Plaintiff 101” by clicking here.

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Mark Your Calendar for Fulfill Your Destiny’s Spring Chari-Tea!

Fulfill Your Destiny’s 6th Annual Spring Chari-Tea event will be returning to the beautiful Empress Tea Room from 2:30–5:00 p.m. on Saturday, March 30, 2019.

100 career women interested in supporting our greater Tampa Bay community through philanthropy will attend for a celebration of women for charity with tea.

While guests enjoy a fabulous high tea, which includes 3-tiered plates with scrumptious tea sandwiches, scones and decadent desserts, everyone will have the opportunity to enjoy live auctions, silent auctions, surprise totes, raffles, and a few other nice surprises.

All attendees will receive a free gift for attending Fulfill Your Destiny’s 2019 Spring Chari-Tea. Please RSVP early as the event sells out each year!

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Fulfill Your Destiny’s Business Builder Grant Awarded to Jennifer Toles

Karen Mertes, author of “Plaintiff 101,” is also the founder of the non-profit Fulfill Your Destiny.

Jennifer Toles, the founder of Guided Life Care Planning Services, is the latest recipient of Fulfill Your Destiny‘s Business Builder Grant. The grants are awarded to proven entrepreneurs who have experienced life changing events and are ready to take their business to the next level—while also giving back to the community.

Guided Life Care Planning Services was founded by Jennifer Toles. She received a grant recognizing the company’s intent to “provide superior health care plans to community members.” The company aims to promote excellent care management and patient advocacy to improve the quality of life for clients while offering cost-effective services.

“Our goal is to be recognized for the highest quality healthcare, rehab and wellness services in the area,” said Jennifer.  She shared that Fulfill Your Destiny’s Business Builder Grant will be used to increase their company’s visibility and provide educational materials about the company’s services to heighten community awareness.

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Fulfill Your Destiny’s Business Builder Grant Awarded to Christina Cann

Karen Mertes, author of “Plaintiff 101,” is also the founder of the non-profit Fulfill Your Destiny.

Christina Cann, the owner of Gulf Coast Sourdough & Wild Yeast Breads, is the latest recipient of Fulfill Your Destiny‘s Business Builder Grant. The grants are awarded to proven entrepreneurs who have experienced life changing events and are ready to take their business to the next level—while also giving back to the community.

The grant was awarded to Gulf Coast Sourdough & Wild Yeast Breads located in Seminole Heights. This bakery is woman-owned and founded on family-friendly principals as owner, Christina Cann, began the business with a 2-year-old daughter who tagged along as her mom made bread deliveries. Now a mother of two girls, Christina hires other mothers with young children to work at her bakery and makes it a priority to provide family-friendly work policies.

Sold at popular venues including the Farmer’s Market in St. Petersburg and Fresh Market in Tampa’s Hyde Park, the company’s bread continues to establish a strong customer following.

“Having our own business allows my family and I to spend more time together and that’s critical to me,” said Christina. “We believe that an integral part of our success is due to giving back to others.”

The bakery is frequently seen out and about in the community, giving baking classes at the Armature Works in Tampa, and donating regularly to area food banks and pantries, as well as to Metropolitan Ministries.

Their bread is in such demand that the company plans to open a storefront bakery located in Seminole Heights. The Business Builder Grant from Fulfill Your Destiny will fund the remaining external build-out costs for the new bakery. Christina says she is “deeply grateful” for Fulfill Your Destiny’s Business Builder Grant that will help her dream of a storefront bakery come true.

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Fulfill Your Destiny’s Business Builder Grant Awarded to Debbie Caneen

Karen Mertes, author of “Plaintiff 101,” is also the founder of the non-profit Fulfill Your Destiny.

Debbie Caneen, the founder of Circle Pond Tiny Home Community, is the latest recipient of Fulfill Your Destiny‘s Business Builder Grant. The grants are awarded to proven entrepreneurs who have experienced life changing events and are ready to take their business to the next level—while also giving back to the community.

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The Tiny Home Community in Sun City Center provides affordable housing for seniors. Founder Debbie Caneen works for a senior retirement community with 400 “grandparents” under one roof who need assistance with bathing, dressing, housekeeping, and dining.

There are 22,000 seniors in Sun City Center, and no one under the age of 55 is allowed to live in Sun City.  This leaves approximately 3,000 people commuting in daily to meet the seniors’ needs.

“With no affordable housing in South Shore for my team members, it is becoming more difficult to recruit needed staff,” explained Debbie.  “When the opportunity presented itself to build small, affordable housing, I felt compelled to make it happen.”

The time was indeed right for the tiny community to begin development.

Today, Debbie is excited to share that more expansion for the community is planned in the form of a community garden designed to provide fresh vegetables at low cost to residents.  This will happen in part due to the funding that the project has received from Fulfill Your Destiny’s Business Builder Grant.

“The residents and I say a big thank you for making this possible,” said Debbie.

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Working Women of Tampa Bay Invited to Accept Hero Challenge from Fulfill Your Destiny

Karen Mertes, author of “Plaintiff 101,” is also the founder of the non-profit Fulfill Your Destiny.

Kelly Flannery, President of the South Tampa Chamber, joined Karen Mertes and Carolyn Eastman to encourage members of Working Women of Tampa Bay to register for Fulfill Your Destiny’s Hero Challenge at their recent meeting.

The subject of the meeting, “Why Gratitude is Good Business,” was a perfect inspiration to attendees to take “The Hero Challenge” and do one small act of kindness by December 30.

How do I register for the Hero Challenge?

Sign up here

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4 Holiday Gift Ideas for the Law Student in Your Life

The holidays are right around the corner! Here’s a list of great gifts you can find on Amazon for the law student in your life.

1. Coffee Mug ($9.27)


Plaintiff 101 Karen Mertes

2. Dress Socks ($10.99)

Karen Martes

3. Pencil/Pen Bag ($9.69)

Plaintiff 101 Bag

4. “Plaintiff 101” Book ($24.95)

Blank white book w/path

 

 

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