“The Dog Owner Says the Bite Was My Fault” What Florida Law Really Looks At After a Dog Bite

You’re standing there doing what normal people do, maybe you reached down to pet a dog, maybe you were walking past someone’s porch, maybe you were at a friend’s house, and the dog wandered over like it wanted attention. Then it happens: teeth, pain, blood, shock, and the dog owner says the bite was my fault! And almost immediately, you hear it: “You must’ve pet it wrong.” “You startled him.” “He doesn’t do that—so it must’ve been you.” “You shouldn’t have reached toward his head.” If you’ve been bitten, it’s incredibly common for the owner (or their insurance company) to try to flip the story into “your fault.” It’s also one of the biggest reasons people delay getting help—because they feel embarrassed, guilty, or unsure. Let’s clear the air: in Florida, a dog bite case is not automatically defeated just because the owner says you “pet it wrong.” Here’s what actually matters: Why owners say “you pet it wrong” (and why it’s not the whole story) When someone’s dog bites, two things tend to happen at the same time: They care about their dog and feel defensive. They worry about consequences—insurance claims, medical bills, and even whether the dog will be reported. So the “pet it wrong” line is often less about what happened and more about avoiding responsibility. But dog bites aren’t graded on etiquette. Florida law looks at legal responsibility, not perfect manners. Florida dog bite law: the short version Florida is known for being tough on dog bite cases—because the law generally holds owners responsible when their dog bites someone. In many situations, the focus is simple: Did the dog bite you? Were you lawfully in the place where it happened? If [...]

When Your Friend Caused the Crash: You’re Not “Suing Them”—You’re Using the Insurance You Both Paid For

When your friend caused the crash, you're not "suing them"; in reality, you're using the insurance that you both pay for. Picture this: Your friend offers you a ride home. It’s raining. A car stops short. Your friend brakes late, and—bang—rear-end crash. You’re sore, your phone screen is shattered, and by the next morning, your neck feels like it’s been swapped with a rusted hinge. Then comes the emotional part: “I don’t want to sue my friend.” That reaction is normal. Most people aren’t looking for a lawsuit—they’re looking for fairness. They just want medical bills handled, missed work covered, and life put back together. Here’s the key: in most cases, a claim after a crash isn’t about “attacking” your friend personally. It’s about triggering the insurance coverage that exists for this exact situation. And in Florida, there’s an added twist you can’t afford to ignore: the deadline to file many negligence cases was shortened. If you wait too long out of loyalty, discomfort, or hope that “it’ll work itself out,” you can lose your right to recover—no matter how reasonable you were being. The real target is usually the insurance policy, not your friend Auto insurance is like a fire extinguisher in the kitchen. You don’t buy it because you expect flames. You buy it because if something goes wrong, you need a tool that keeps one bad moment from burning down your finances. When your friend causes a crash, the primary source of payment for your injuries (beyond your own PIP coverage) is typically your friend’s bodily injury liability insurance. That coverage is there so the injured person doesn’t have to chase an individual’s personal savings. In many cases: Your friend’s insurance company [...]

The store manager said they’ll “take care of everything”—should I trust that?

Picture this: You slip on a wet spot in a big-box store. Your back lights up. Your pride takes a hit. You’re embarrassed, shaken, and trying to get to your car without making a scene. Then the manager pulls you aside with a calm voice and a friendly smile, saying they'll take care of everything...Now, after the emotions have subsided and the chaos is over, you're wondering, "Should I trust that?" It sounds reassuring—like the problem is taken care of. But here’s the reality in Florida injury cases: a store manager’s promise is not a settlement, not a check, and definitely not a legal deadline extension. In many cases, it’s the beginning of a process run by a claims department that has one job: pay as little as possible, as late as possible, or not at all. And because Florida’s statute of limitations recently changed, waiting can cost you your entire case. Verbal promises vs. the claims department: two different worlds Store employees are trained to de-escalate. They may genuinely want to help. But most businesses—especially chains—don’t “handle” injury claims in the store. They report the incident, and the file gets kicked to corporate risk management or an insurance adjuster. That’s when the tone often changes: “We’re still investigating.” “We don’t see negligence.” “Can you give a recorded statement?” “We can offer you a small amount for your trouble—today.” None of that is “taking care of everything.” It’s positioning. A helpful way to think about it: the manager is like the front desk at a hotel after a bad room. They can apologize and offer a new key. The claims department is the corporate office deciding whether they owe you a refund at all. Why [...]

I Signed Some Papers at the Hospital and Now I’m Worried: What You Probably Signed and What to Do Next

"I signed some papers at the hospital, and now I’m worried." Here's a simple guide about what you signed and what to do next. If you’ve ever been treated in an ER or admitted to a hospital, you know the routine: a clipboard, a stack of forms, and someone saying, “Just sign here, here, and here.” When you’re in pain, shaken up, or worried about a loved one, you’re not reading fine print—you’re trying to get help. Then, days later, you start thinking: What exactly did I sign? Did I accidentally give up my rights? Did I agree to pay something I can’t afford? Did I authorize an insurance company to do something behind my back? Take a breath. Most hospital paperwork is standard. But a few specific forms can create real headaches if you don’t understand what they do. Here’s what those papers might have been—and what you should do now. Why hospitals hand you so many forms: Hospitals don’t just treat patients; they also have to get paid, comply with privacy laws, and document consent. That means you’ll often sign forms that cover: Permission to treat you (consent) Who pays the bill (financial responsibility) How they bill insurance (assignment of benefits) How they can share records (HIPAA / authorizations) Whether someone else gets paid from your claim (liens) Sometimes, language that looks like a “release” (this is the one that raises eyebrows) Let's break these down into simple terms so there is no confusion or assumption on what they mean or what they are for. 1) Consent to treat: “Yes, help me.” This is usually exactly what it sounds like: you agree to evaluation, treatment, testing, and procedures that may be necessary. It [...]

What to Do If You’re the Victim of a Hit-and-Run in Florida (And How to Protect Your Claim)

Being a victim of a hit-and-run is one of the most infuriating kinds of crashes. One minute you’re driving home, heading to school pickup, or running errands, and the next you’re staring at damage, dealing with pain, while watching the other driver disappear. If this happened to you in Florida, you’re not powerless. But what you do in the first minutes, hours, and days matters more than you may think. It can affect your health, your ability to identify the driver, and the amount of compensation available to help you recover. Here’s the practical, plain-English roadmap I give clients when the other driver decides not to stay at the scene. Step 1: Get safe first (do not chase them) Your instincts might scream, “Go after them!” Don’t. A hit-and-run driver is already making reckless decisions. Chasing can escalate the situation, put you in danger, and create another crash. Your job is to get yourself and your passengers to safety. If you can, move your vehicle out of traffic. Then call 911. Florida specifically lists hit-and-run crashes as situations where you should notify law enforcement and call 911, and it ties this requirement to Florida Statute 316.065. (FL Highway Safety) Step 2: Capture details fast (your memory fades quicker than you think) After a crash, adrenaline scrambles time. The details you swear you’ll remember can blur within minutes. If you can safely do it, look for: License plate number (even partial plates help) Make/model/color (and anything distinctive: decals, dents, company logos) Direction of travel and last known location Description of the driver (only if you saw them) Time of day and traffic conditions Pro tip: Say it out loud into your phone as a voice memo. [...]

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