How Long Does an Insurance Company Have to Investigate a Claim in Florida?

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

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

In Florida, where sudden rainstorms and high-speed highways are part of daily life, maintaining your vehicle's tires is not just about performance—it's about safety. Bald tires, characterized by worn-down tread, significantly increase the risk of accidents. Understanding the dangers and legal implications can help you stay safe on the road. What Are Bald Tires? Bald tires are those that have minimal or no tread left. Tread grooves are essential for channeling water away from the tire, providing traction, and ensuring stability. Without adequate tread, tires can't effectively grip the road, especially in wet conditions, leading to increased chances of hydroplaning and loss of control. Risks Associated with Bald Tires Hydroplaning : In Florida's frequent rain, bald tires can't disperse water efficiently, causing vehicles to skid uncontrollably. Blowouts : Worn tires are more susceptible to punctures and blowouts, especially at high speeds, which can lead to severe accidents. Reduced Braking Efficiency : Lack of tread compromises braking performance, increasing stopping distances and the likelihood of collisions. Legal and Insurance Consequences : Driving with bald tires may violate Florida's vehicle safety laws and could result in denied insurance claims if an accident occurs due to tire neglect. Florida's Legal Requirements Florida law mandates that tires must have a minimum tread depth of 2/32 of an inch. Driving on tires below this threshold is considered unsafe and can lead to citations. Law enforcement officers have the authority to inspect vehicles and enforce compliance with safety standards. Preventative Measures Regular Inspections : Check your tire tread monthly using a tread depth gauge or the penny test. Proper Inflation : Maintain recommended tire pressure to ensure optimal performance and longevity. Routine Maintenance : Rotate your tires regularly and align your wheels to promote even tread wear. Timely Replacement : Replace tires that show signs of significant wear or damage to maintain safety. Seeking Legal Assistance If you've been involved in an accident, it's crucial to understand your rights. At Goldman, Tiseo & Sturges, our decades of experience handling personal injury cases can help you navigate the complexities of your claim. Our attorneys are committed to securing the compensation you deserve. Contact Us Today! Reach out to Goldman, Tiseo & Sturges for a consultation, and let us assist you in ensuring your rights are protected. (941) 625-6666