3 SIMPLE WAYS TO KEEP YOUR FAMILY PROTECTED THIS HOLIDAY SEASON

Jason B. Goldman • December 7, 2015
3 SIMPLE WAYS TO KEEP YOUR FAMILY PROTECTED THIS HOLIDAY SEASON

The New Year is almost upon us. Our part-time residents are returning to Port Charlotte, Punta Gorda, and Englewood from Canada, the Northeast, and the Midwest. The Charlotte County roads will be crowded, traffic will be heavy, attention will be diverted from the road to looking for the next shopping center to turn into for gift buying, and many other drivers will make unwise decisions to drive home from holiday parties after having partaken of too much holiday cheer. In the next month, many serious accidents will occur in Port Charlotte, Punta Gorda, and Englewood……some with dire consequences.

Here are some recommendations for early New Years resolutions to help protect you and your family:

1. YOUR AUTOMOBILE INSURANCE:

Make an appointment to meet your automobile insurance agent, in person, to discuss the exact coverage you carry on your automobile insurance policy, and how much of each coverage you carry. Please review our blog article dated September 8, 2015 entitled “Does Your Automobile/motorcycle Insurance Provide You with “Full Coverage”? Almost Certainly Not…”  https://gtslaw.wpengine.com/punta-gorda-motorcycle-insurance-port-charlotte-motorcycle-insurance/  I have handled countless automobile, motorcycle, and bicycle accidents in Port Charlotte, Punta Gorda, and Englewood in the last 20 years. While virtually everyone feels they have full coverage, in my experience less than 1 in 10 people has adequate coverage for their family’s specific needs. If you don’t have the appropriate levels of automobile insurance coverage, it could add insult to a serious injury suffered over the holidays.

2. IF YOU OWN A DOG OR PET:

If you own a dog or other pet, you need to call your homeowners insurance company to determine whether or not you are covered for animal liability – you’re very likely not currently covered. Since 2005, when the Allstate, State Farm, and Nationwides of the world left the Florida homeowners insurance market completely and were replaced by “lesser” companies, almost every one of these lesser companies excluded coverage for animal liability from their standard homeowners policies. That means, if you own a dog and your homeowners insurance is not through a traditional “name-brand” insurance carrier, there’s a greater than 95% chance you are not covered if your dog seriously injuries someone, whether it be on or off your property. This leaves you and your family completely exposed to a lawsuit being filed against you (which your homeowners insurance carrier will not defend) and a personal monetary judgment being entered against you (which your homeowners insurance carrier will not pay).

You can contact a local insurance agent and, for a few hundred dollars per year, purchase a special animal liability policy to cover this gap you almost certainly have in your homeowners policy. Please purchase this policy, both for your own piece of mind, and also for the benefit of the child or neighbor who accidentally gets bitten or injured by your dog. Purchasing this insurance is not only the smart thing to do, but it’s also the right thing to do.

3. AVOIDING HOLIDAY DRINKING AND DRIVING:

There’s no other way to say this: drinking and driving is equal parts dangerous, foolish, and potentially expensive. For your  sake, the ones you love and other strangers on the road with families of their own, don’t imbibe at holiday parties and expect to get yourself home in one piece. Drinking and driving is Russian Roulette played with automobiles and intoxicants instead of guns. Even if someone is lucky enough to avoid killing or hurting themselves or others, a DUI arrest, along with its associated attorney’s fees, financial criminal punishments, and driver’s license suspension, are incredibly expensive, time consuming, and could result in extensive monitored probation and possibly substantial jail time.

As responsible adults, we all know before attending a party whether or not we’ll be imbibing or not. Be realistic with yourself before leaving your home, and make preparations in case you are unable to drive yourself home, such as:

A. Already having the telephone number of a cab handy – and then use it.

B. Already having a designated driver appointed – and let him/her drive you home.

C. If you have AAA or some other form of roadside assistance which includes tow service, call them to your location and let them know your car won’t start. When the tow driver arrives, just tell him again your car won’t start, and you’d like the car towed to your home. He’ll even give you a ride in his truck back to your house! You should tip the tow driver generously for providing this valuable public service. And the next morning, when you wake up a little foggy, not only will you be safe and sound in your own bed, but you’ll also have your car conveniently in your own driveway rather than having to make plans to go pick it up.

From everyone here at Goldman, Tiseo & Sturges Attorneys at Law, we wish you and yours the happiest of holiday seasons! Please be safe and enjoy your families.

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What To Do If You Hit a Parked Car in Charlotte County

By Jason B. Goldman • April 9, 2025
Accidents can happen in the blink of an eye—even when no one else is around. If you’ve accidentally hit a parked car, whether in a busy grocery store lot or a quiet street in Charlotte County, it’s important to stay calm, take responsibility, and follow the proper legal steps. 1. Stop Immediately Florida law is clear: leaving the scene of any accident involving property damage—even if the vehicle was unoccupied—is a crime. Pull over safely and remain at the scene. Leaving without following the proper steps could result in a misdemeanor charge. 2. Make a Reasonable Effort to Locate the Owner If the owner of the parked car is nearby, wait and exchange contact and insurance information. If you’re in a business parking lot, you may ask inside to see if they can make an announcement. If you’re unable to find the owner, don’t panic—there’s a legal alternative. 3. Leave a Written Note Florida law requires that you leave a note in a visible spot on the damaged vehicle. Include your name, address, phone number, your auto insurance policy number, and a brief explanation of the accident. Be brief, honest, and straightforward. This shows good faith and helps prevent the situation from escalating into legal trouble later. 4. Report the Incident If the damage is significant or you’re unsure about the extent, contact the Charlotte County Sheriff’s Office or local law enforcement to file a report. Many insurance companies also require an official report for claims involving property damage. 5. Document the Scene Take photos of the damage to both vehicles, the location, and any contributing factors (such as obstructions or narrow parking spaces). This documentation will be valuable if questions arise from the other party or your insurer. 6. Notify Your Insurance Company It’s best to be proactive. Even if the other vehicle’s owner hasn’t contacted you yet, inform your insurance provider of the incident. They can walk you through the claims process and help assess any potential liability. Protecting Yourself Legally Accidents involving parked cars might seem minor, but they can quickly turn into legal headaches if not handled properly. In Charlotte County and throughout Florida, taking the right steps after a minor accident can protect you from costly penalties and keep the situation civil. Have Questions? We're Here to Help. At Goldman, Tiseo & Sturges, P.A. , we understand that even the smallest incidents can carry serious consequences. If you’ve been involved in an accident—or if someone damaged your parked car and left the scene—our experienced legal team is here to guide you. We proudly serve clients throughout Charlotte County and are committed to protecting your rights.  Contact us today for a consultation. (941) 625-6666

Understanding Premises Liability in Florida

By Jason B. Goldman • April 9, 2025
In Florida, property owners, including grocery stores, are legally obligated to maintain safe premises for their patrons. This duty falls under the concept of premises liability, which holds property owners accountable for accidents resulting from unsafe conditions on their property. ​ Common Causes of Grocery Store Slip and Fall Accidents Several factors can contribute to slip and fall incidents in grocery stores: Wet Floors: Spills, recent mopping, or water tracked in from outside can create slippery surfaces Obstructed Aisles: Items left in walkways or cluttered aisles can pose tripping hazards.​ Poor Lighting: Inadequate lighting may prevent customers from noticing potential dangers. Uneven Surfaces: Mats that are not properly secured or abrupt changes in floor levels can lead to falls. Establishing Negligence To hold a grocery store liable for a slip and fall injury, you must prove that the store was negligent. This involves demonstrating that:​ Duty of Care: The store had a responsibility to ensure a safe environment for its customers.​ Breach of Duty: The store failed to address or warn about a hazardous condition.​ Causation: This failure directly resulted in your accident and subsequent injuries.​ Damages: You suffered actual damages, such as medical expenses or lost wages, due to the injury.​ Steps to Take After a Slip and Fall Incident If you experience a slip and fall in a grocery store, consider the following actions: Seek Medical Attention: Your health is the top priority. Ensure you receive appropriate medical care.​ Report the Incident: Inform the store management about the accident and ensure it's documented.​ Gather Evidence: Take photographs of the hazard, your injuries, and collect contact information from any witnesses.​ Consult a Personal Injury Attorney: An experienced attorney can guide you through the legal process and help determine the viability of your claim.​ How Goldman, Tiseo & Sturges Can Assist At Goldman, Tiseo & Sturges, P.A., we understand the complexities of premises liability cases. Our dedicated team is committed to advocating for your rights and ensuring you receive the compensation you deserve. If you've been injured in a slip and fall accident, contact us for a consultation to discuss your case and explore your legal options.

What to Do After a Hit-and-Run Accident in Charlotte County, Florida

By Jason B. Goldman • March 10, 2025
A hit-and-run accident can be a terrifying experience, leaving victims injured and unsure of their next steps. In Charlotte County, where thousands of these incidents occur each year, knowing how to respond can make all the difference in protecting your rights and securing the compensation you deserve. Immediate Steps to Take After a Hit-and-Run If you’ve been the victim of a hit-and-run accident, taking the right actions is crucial for your safety and legal case: Ensure Your Safety – If possible, move to a safe location and check yourself and any passengers for injuries. Call 911 – Reporting the accident to law enforcement is essential. A police report will serve as vital evidence in your case. Gather Information – Take note of anything you can remember about the fleeing vehicle, including its make, model, color, license plate (if visible), and direction of travel. Document the Scene – Capture photos of your vehicle, the surrounding area, and any damages or injuries. Look for Witnesses – If anyone saw the accident, get their contact information. Their testimony may help law enforcement track down the driver. Seek Medical Attention – Even if you feel fine, some injuries may not be immediately apparent. Seeing a doctor helps document your condition for any future claims. Notify Your Insurance Company – Florida law requires drivers to carry Personal Injury Protection (PIP) insurance, which may cover some of your medical expenses. However, navigating insurance claims can be complex, so proceed with caution. Consult a Personal Injury Attorney – An experienced attorney can help you explore all legal options, including uninsured motorist coverage or pursuing other avenues for compensation. Understanding Charlotte County Hit-and-Run Laws Under Florida law, leaving the scene of an accident is a serious offense. If the driver is identified, they may face criminal charges, including fines, license suspension, and even imprisonment. Victims of hit-and-run accidents in Charlotte County have legal options, but proving fault and securing fair compensation requires strategic legal guidance. How GTS Law Firm Can Help At GTS Law Firm, we understand the complexities of hit-and-run cases and are committed to fighting for the rights of accident victims in Charlotte County. Our team will investigate your case, gather evidence, and advocate for the compensation you deserve for medical expenses, lost wages, and pain and suffering. If you or a loved one has been injured in a hit-and-run accident in Charlotte County, don’t navigate the legal process alone. Contact GTS Law Firm today for a consultation and let us help you secure justice. (941) 625-6666

Recreational Vehicle Accidents in Florida: Understanding Your Legal Rights

By Jason B. Goldman • March 10, 2025
Florida’s beautiful landscapes and year-round sunshine make it an ideal destination for recreational vehicle (RV) enthusiasts. Whether you’re driving an RV, riding an ATV, or operating a personal watercraft, these activities come with risks. When accidents happen, understanding your legal rights is crucial to ensuring you receive the compensation and support you deserve. Common Causes of Recreational Vehicle Accidents Recreational vehicle accidents can occur for a variety of reasons, including:  Driver Negligence – Speeding, distracted driving, or operating a vehicle under the influence significantly increases the risk of an accident. Lack of Proper Training – Many recreational vehicles require specialized knowledge to operate safely. Inexperience can lead to serious crashes. Mechanical Failures – Poor maintenance or defective parts may contribute to accidents, making manufacturers or rental companies potentially liable. Dangerous Road or Waterway Conditions – Unmaintained roads, unexpected debris, or hazardous weather conditions can create dangerous situations for recreational vehicle operators. Who is Liable in a Recreational Vehicle Accident? Determining liability in a recreational vehicle accident depends on the circumstances surrounding the crash. Possible responsible parties may include: The Operator – If reckless or negligent behavior caused the accident, the driver may be held liable. The Vehicle Manufacturer – If a defect or mechanical failure contributed to the accident, the manufacturer could be responsible. A Rental Company – If the RV or recreational vehicle was not properly maintained, the rental company may be at fault. Another Negligent Party – Other motorists, property owners, or even local municipalities may bear responsibility if their actions contributed to the accident. Steps to Take After a Recreational Vehicle Accident If you or a loved one has been involved in a recreational vehicle accident, taking the right steps can protect your legal rights: Seek Medical Attention – Your health and safety come first. Even if injuries seem minor, getting checked by a medical professional is crucial. Document the Accident – Take photos of the scene, the vehicle(s) involved, and any visible injuries. Collect contact information from witnesses. Report the Incident – Notify the appropriate authorities, such as law enforcement or park officials, depending on where the accident occurred. Avoid Speaking with Insurance Adjusters Alone – Insurance companies may try to minimize your claim. Consult an attorney before providing statements. Contact a Personal Injury Attorney – An experienced lawyer can help assess your case, determine liability, and pursue the compensation you deserve. How GTS Law Firm Can Help At GTS Law Firm, we understand the complexities of recreational vehicle accident claims. Our team is dedicated to advocating for victims and ensuring they receive the financial support necessary for medical bills, lost wages, and pain and suffering. If you or a loved one has been injured in a recreational vehicle accident, don’t navigate the legal process alone. Contact GTS Law Firm today for a consultation and let us help you protect your rights. (941) 625-6666
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