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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A Practical Guide to Preventing Falls for Older Adults

By Jason B. Goldman • July 11, 2025
As we age, the risk of falling increases—and the consequences can be serious. At Goldman, Tiseo & Sturges, P.A., we’re dedicated to helping our older neighbors in Charlotte County protect their independence and stay safe at home. Here’s what you should know—and what you can do. Why Falls Happen Falls among older adults typically result from several risk factors combined: Weakness in the legs or hips, slowed reflexes, and balance issues Vision or hearing impairments, or side effects of certain medications Environmental hazards like poor lighting, loose rugs, and missing grab bars Smart Prevention Strategies 1. Strength, Balance & Regular Exercise Structured routines—including strength training and balance-based exercises like Tai chi or yoga—significantly lower fall risk. 2. Home Modifications Simple adjustments make a big difference: Remove rugs, clutter, and trailing cords Install grab bars in showers and railings on both sides of stairs Use non-slip mats, improve lighting, and ensure pathways are clear 3. Medication & Health Reviews Certain medications (like sedatives or antihypertensives) can impair balance. Regular reviews help reduce this risk. Experts also recommend yearly screenings for vision, hearing, bone density, and overall mobility 4. Fear of Falling Worry about falling can lead to reduced activity, causing weakening—a cycle that heightens fall risk. Behavioral and physical therapy can help build confidence. 5. Get Back on Your Feet Safely If a fall does occur: Assess yourself before moving check for injuries Use stable furniture to help you rise If you live alone, consider a medical alert system and establish a check-in plan At Goldman, Tiseo & Sturges, P.A., we’ve seen how even a minor fall can disrupt a person’s independence and well-being. Whether you or a loved one has already experienced a fall, or you'd like to take proactive steps now, these measures are proven to help. When You Need More Support Falls can lead to serious injuries, sometimes requiring medical attention or home care. If a fall occurs due to someone else’s negligence, such as poorly maintained property or missing safety features, we are here to help. Our Charlotte County team offers free consultations to assist with insurance claims, medical documentation, and legal guidance. Call us today at (941) 625 6666 or visit our website to schedule a free consultation.

Staying Safe During Florida’s Summer Months

By Jason B. Goldman • July 11, 2025
As summer temperatures rise across Southwest Florida, so does the risk of preventable injuries. From extreme heat to an increase in road and water activity, understanding common seasonal dangers is key to keeping your family safe. At Goldman, Tiseo & Sturges, P.A., we want our community to enjoy the season while avoiding unnecessary accidents that can result in serious injury. Below are important reminders and precautions to help you stay safe this summer. 1. Heat-Related Illnesses Southwest Florida's summer heat and humidity can lead to dehydration, heat exhaustion, and even heatstroke. These conditions can escalate quickly, especially in children, the elderly, and individuals with underlying health concerns. Prevention tips: Drink water regularly, even if you’re not thirsty. Wear lightweight, light-colored clothing. Limit outdoor activities during peak sun hours (10 a.m. – 4 p.m.). Never leave children or pets in a parked vehicle. 2. Water Safety Local beaches, pools, and waterways are popular destinations throughout the summer—but they also present significant risks. Drowning remains one of the leading causes of accidental death in young children. To stay safe: Always supervise children near water. Ensure inexperienced swimmers wear Coast Guard-approved life jackets. Never swim alone or under the influence of alcohol. Learn CPR and basic water rescue techniques. 3. Boating and Personal Watercraft Accidents Recreational boating activity increases in the summer months, and with it comes a higher risk of collisions and injuries. Florida consistently leads the nation in boating accidents. Recommendations: Take a boater safety course if operating a vessel. Wear life jackets at all times. Avoid distractions and alcohol while operating a boat. Check weather conditions before heading out. 4. Traffic Hazards and Wet Weather Tourism and local travel surge during the summer, increasing traffic congestion. Afternoon thunderstorms can make roadways slick, reducing visibility and traction. Safety suggestions: Allow extra time when traveling. Drive cautiously in rain and reduce speed. Keep tires and brakes in good condition. Avoid using cruise control during wet weather. 5. Premises Liability Concerns Slippery pool decks, uneven walkways, and inadequate safety barriers can all lead to slip-and-fall or premises liability injuries, particularly in residential or vacation rental settings. Property owners should: Maintain proper fencing and signage around pools. Install non-slip materials on decks and walkways. Ensure adequate lighting in outdoor areas. Regularly inspect and repair hazardous conditions. Legal Help When You Need It Unfortunately, even with proper precautions, accidents can and do happen. If you or a loved one has been injured due to someone else’s negligence this summer—whether in a boating crash, slip-and-fall, or vehicle accident—our attorneys are here to help. At Goldman, Tiseo & Sturges, P.A., we have decades of experience handling personal injury cases throughout Charlotte County and the surrounding region. We are committed to providing personal, hands-on representation that puts your needs first. If you’ve been injured, contact our office at (941) 625-6666 for a free consultation.

Understanding the 4 Elements of Negligence in Florida: What Every Charlotte County Injury Victim Should Know

By Jason B. Goldman • June 10, 2025
If you were injured in an accident in Charlotte County, whether in a car crash on US-41, a slip-and-fall in a local store, or due to medical malpractice, you may be wondering: Do I have a personal injury case? The foundation of nearly every personal injury claim in Florida is negligence. To hold someone legally responsible for your injuries, your attorney must prove four key elements. At GTS Law Firm, we help injury victims understand what these elements mean—and how they apply to your situation. 1. Duty of Care The first step in proving negligence is showing that the other party owed you a legal duty of care. In simple terms, this means they were obligated to act in a reasonably safe manner. For example: Drivers must follow traffic laws and operate their vehicles safely. Property owners must maintain safe conditions on their premises. Doctors must provide care consistent with medical standards. In Charlotte County, this could mean a store owner has a duty to clean up spills quickly to prevent falls, or a driver has a duty to stay focused and obey speed limits near busy intersections like Cochran Blvd and Tamiami Trail. 2. Breach of Duty Once a duty is established, the next step is showing that the duty was breached. In legal terms, this means the person acted unreasonably or failed to act when they should have. Some examples: A distracted driver ran a red light and caused a collision. A landlord ignored repeated complaints about broken stairs. A business failed to warn customers about a wet floor. Evidence like surveillance footage, accident reports, or witness statements can help establish that a breach occurred. 3. Causation Next, we must prove that the breach of duty directly caused your injuries. It’s not enough that someone acted carelessly, you must show a clear link between their actions and the harm you suffered. This step often involves: Medical records Expert testimony Incident reconstruction For instance, if you slipped on an unmarked puddle in a Punta Gorda supermarket and fractured your wrist, your attorney would need to show that the injury was directly caused by the store’s negligence, not another factor. 4. Damages Finally, you must show that the accident resulted in actual damages, this can include physical, emotional, and financial harm. Common types of damages include: Medical expenses Lost wages Pain and suffering Property damage Emotional distress At GTS Law Firm, we work to ensure your damages are fully documented and accurately valued, because your recovery matters. What This Means for You Negligence law in Florida is fact-specific and often complex. If you believe someone else’s carelessness caused your injury, don’t navigate the legal system alone. Our team at GTS Law Firm has the local experience, legal insight, and dedication to fight for what you deserve. 📞 Schedule your free consultation today—we’re proud to serve Charlotte County and the surrounding communities with compassion and results-driven representation. (941) 625-6666

Stay Safe on Wet Roads: Rainy Day Driving Tips for Charlotte County Drivers

By Jason B. Goldman • June 10, 2025
Living in Florida means getting used to sunshine, heat—and a lot of rain. In Charlotte County, sudden downpours and afternoon thunderstorms are part of life, especially during the summer months. While we may be used to wet weather, rain is still one of the leading contributors to car accidents in the state. At GTS Law Firm, we’ve represented countless clients injured in crashes caused by slippery roads, low visibility, and poor judgment during rainstorms. Here's how you can reduce your risk and stay safe behind the wheel when the skies open up. 1. Slow Down and Keep Your Distance It sounds simple, but slowing down is one of the most effective ways to avoid a collision in the rain. Wet roads reduce tire traction, making it easier to hydroplane or lose control. Give yourself extra space between vehicles—at least a car length for every 10 mph—and brake earlier than usual. GTS tip: Tamiami Trail and Kings Highway can get especially slick during heavy rainfall. Use extra caution and avoid tailgating in high-traffic areas. 2. Turn Your Lights On (But Not Your High Beams) In Florida, it's the law: if your windshield wipers are on, your headlights must be too. This helps you stay visible to other drivers. However, avoid using your high beams—bright light reflects off wet surfaces and can actually make visibility worse. 3. Avoid Cruise Control Cruise control may feel convenient on long drives, but it can be dangerous in wet weather. If you hydroplane while cruise control is on, you could lose control of your vehicle faster than you can react. Stay engaged and keep your foot on the pedal. 4. Watch for Standing Water and Flooded Areas Flooded intersections are common in Charlotte County, especially after strong summer storms. Driving through standing water can stall your car, damage your engine, or even cause you to lose traction and slide off the road. GTS tip: If the water looks deep, turn around. It’s not worth the risk. 5. Check Your Tires and Wipers Regularly Worn tires and old windshield wipers can turn a mild drizzle into a serious hazard. Make it a habit to check your tire tread and replace wiper blades every 6–12 months—especially before hurricane season ramps up. 6. Don’t Drive Distracted—Ever In any weather, distracted driving is dangerous. In the rain, it can be deadly. Keep your phone out of reach, focus on the road, and avoid multitasking while driving. Injured in a Rain-Related Accident in Charlotte County? If you've been involved in an accident during rainy conditions, you’re not alone—and you may be entitled to compensation. Determining fault in weather-related accidents can be complex, especially if another driver failed to take proper precautions. Let the experienced legal team at GTS Law Firm help. We understand Florida law, Charlotte County roads, and how to build a case that gets results. 📞 Contact us today for a free consultation. (941) 625-6666