This is the ultimate guide to personal injury claims with Scottsdale Insurance Company in 2021.
Scottsdale insures condominium associations, portable sanitation companies, homeowners, businesses, boats, workers compensation and more.
What is Scottsdale Insurance Company’s reputation for paying Florida injury claims?
Scottsdale has an excellent reputation for paying Florida accident claims.
$78K Settlement with Scottsdale Insurance Company (Trip and Fall)
My client was at a condominium Sunny Isles, Miami-Dade County, Florida. She was about to exit a door to the parking garage at the condo complex.
While doing so, she didn’t realize that there was a step down. She fell and was hurt.
Here is view looking upwards toward the door.
Scottsdale Insurance Company insured the condominium association.
In Florida, a condominium, apartment building and property manager have two duties that are owing to invitees:
1. To use reasonable care in keeping and maintaining the premises in a reasonably safe condition;
and
2. To give the invitee warning of concealed perils which are known or should be known to the landowner, and which are unknown to the invite and cannot be discovered by him through the exercise of due care. Friedrich v. Fetterman and Associates, P.A., 137 So. 3d 362 (Fla. 2013).
I argued that the condo association failed to warn my client of the big step down. Therefore, they were negligent.
Damages
She was taken to the emergency room after the fall. She was diagnosed with a fractured nose.
She had surgery to fix it. My use she had complications, such as acid reflux and sinus issues.
She had a second hospital stay. I calculate the full value of the case. It his particular case, I assigned $75,000 to the full value of the pain and suffering component of her claim because she had nose surgery.
I then used a formula to calculate the settlement value of the case. My client was from another country. Foreigners who are injured while in Florida have the same rights as people who live in Florida.
The full value of the medical expenses component of an injury case is usually smaller if an injured victim treated outside of the United States.
I did not charge a fee on $5,000 in recovered Medical payments (“Medpay”) coverage benefits. It’s important to make sure that your injury lawyer isn’t overcharging you on fees.
My Actual Case: $35,000 Settlement without a lawsuit for a child who suffered a wrist fracture (distal radius fracture). She fell off a set of stairs due to a loose handrail.
Scottsdale Insurance was the Commercial general liability (CGL) insurer for the company that owned and rented out the portable bathroom.
The Scottsdale CGL insurance policies that I have seen have all had $1 Million dollar liability limits. This is good news if you have serious injuries.
$30K Settlement with K & K (Scottsdale Insurance Companies)
Dawn went to a wildlife safari park in Osceola County, Florida. During broad daylight, she claimed that she rolled her ankle and fell on a broken walkway.
You can see a photo that shows the general area of the cracked pavement:
An employee of the establishment came to the accident scene while Dawn was on the pavement.
They asked her some questions.
Dawn went to the hospital, where x-rays showed that she had a broken ankle. Specifically, she had a non-displaced right lateral malleolus fracture. She was at the hospital for a few hours.
She wanted to hire an injury lawyer. She looked on Youtube for an injury attorney who had good outcomes. She watched some of my videos and called me for a free consultation to see if I could represent her.
I personally spoke with her and she hired me.
I asked my client to lawfully take a photo that showed the measurement of the depth and width of the crack in the pavement that claimed caused her ankle to roll. I told her to use measuring tape, a deck of cards or a stack of pennies.
She had this photo taken, which showed a penny in one of the cracks.
In the following months, she received treatment for her broken ankle from an orthopedic doctor.
I asked Dawn to take a photo showing the walking boot that the doctor prescribed for her to wear.
You can see Dawn with a walking boot on her foot:
I sent this photo to the insurance adjuster.
Fortunately, Dawn did not need surgery. Her ankle made a very good recovery.
National Casualty Company insured the owner of the premises. K&K Insurance Group handled the claim for National Casualty Company. National Casualty Company is part of Scottsdale Insurance Company. Scottsdale is part of Nationwide Insurance Company.
K & K Insurance Group argued that Dawn was partially at fault for not avoiding the walkway since they said it was open and obvious. Their first offer to me was $5,000 to settle Dawn’s injury claim.
Here is the email:
Through aggressive negotiation, I settled Dawn’s personal injury case for $30,000.
The payor on the settlement check was K & K Insurance on behalf of Scottsdale Insurance Companies.
How was I able to settle for $30K and not less?
First, there was something wrong with the pavement that we argued caused her to roll her ankle and fall. Second, the business knew that she fell. This helped her case since it made it more difficult for the business to argue that she was not injured on its property.
Third, she broke her ankle and went to the hospital quickly after the accident. Fourth, we were dealing with one of the better insurance companies. Nationwide Insurance Company generally pays better than other insurance companies.
Why didn’t I settle for more than $30,000?
Because her fall happened outside during broad daylight. The insurance company argued that Dawn should have seen the broken walkway before she fell. In other words, they argued that she should have avoided the broken pavement and not fallen.
If her fall would have happened at night and there was poor lighting, Nationwide would have likely paid us more than $30,000.
Also, Dawn did not need surgery. If she would have had a plate and screws put in her ankle, we would have likely settled for $100,000 or more with Nationwide. This is because the pain and suffering component of the case would have been much larger.
Dawn sent us this Thank You card.
Jenny is my paralegal.
In addition, she wrote the following 5 star review about my law firm on Google maps:
Very pleased with the professionalism & efficiency I received from Justin Ziegler. I feel I was represented well with my injury. I did not have an easy case ( in my opinion).
If I had questions, Justin & his assistant, Jenny, were always quick to respond. I felt like they genuinely cared about me. There is no doubt…I would recommend JZ helps for your injury case. Thank you, Justin! (..Jenny too!)
Does Scottsdale insure a lot of businesses in Florida?
The FLOIR 2014 Annual Report listed Scottsdale Insurance Company as the seventh largest commercial liability insurer in Florida. Commercial basically means “business.”
Its written premiums were $19,026,411. It had 3.3% market share.
Does Scottsdale Insurance Company insure Condominium Associations?
Yes, Scottsdale insures Miami Beach and Sunny Isles, Florida condominium associations. They also insured Oceanview Condominiums in Sunny Isles, Florida a few years ago.
I assume that they insure condo associations throughout the entire state of Florida.
Commercial Automobile Liability
Scottsdale Indemnity Company insures commercial vehicles with Personal Injury Protection (PIP) and auto liability coverage. Commercial vehicles are vehicles that are used for business purposes.
Does Scottsdale insure a lot of homeowners in Florida?
No. Scottsdale Insurance Company had written premiums of $7,695,255. This is relatively small.
The largest Florida homeowners insurer, Citizens Property Insurance Corporation, had over $1.2 Billion in written premiums.
What other Scottsdale companies issue Florida liability insurance policies?
In Florida, other than the companies that I have already mentioned, Scottsdale also issues insurance policies as National Casualty Company.
Which Florida business liability insurers sell more policies in Florida than Scottsdale?
- Philadelphia Insurance Companies
- Old Dominion Insurance Company
- Westfield Insurance Company
- Federal Insurance Company
- Southern-Owners Insurance Company
- Rockhill Insurance Company
Which Florida business liability insurers sell less policies in Florida than Scottsdale?
- Granada Insurance Company
- First Community Insurance Company
- Hartford Casualty Insurance Company
- Depositors Insurance Company (part of Allied Insurance, which is part of Nationwide)
- Zurich American Insurance Company
- Nationwide Insurance Company of America (owns Scottsdale)
- American Economy Insurance Company
- State Farm Florida Insurance Company
Did someone’s carelessness cause your injury in Florida?
See Our Settlements
Check out some of the many Florida injury cases that we have settled, including but not limited to slip or trip and falls, drunk driving (DUI) accidents, cruise ship accidents, wrongful death and much more.
We want to represent you!
Our Miami law firm represents people anywhere in Florida if someone’s carelessness caused their injuries in slip, trip and falls, drunk driving crashes, cruise ship or boat accidents, accidents at an apartment complex, condo building or home, wrongful death and many other types of accidents.
We want to represent you if you were hurt in an accident in Florida, on a cruise ship or boat. If you live in Florida but were injured in another state we may also be able to represent you.
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