Nessler & Associates | Blog


The provision was created with the hopes of reducing insurance fraud, thus reducing insurance premiums. Whether or not such reductions in premiums has occurred is still left to be determined as PIP insurance premiums have continued to increase over the past several years since the statute was created.


Florida, like most no-fault states, does not hold an individual liable for another’s personal injuries unless those injuries meet a certain medical threshold. If the injury does not meet this threshold, then the injured party may not recover for the injuries themselves, or the pain, suffering, mental anguish, or any inconvenience that might have arisen from said injuries.

7 Common Misconceptions About Personal Injury Cases

Insurance companies are not your friends, they are a business. These powerhouse corporations make billions of dollars in revenue a year and are extremely reluctant to minimize their annual profits.

Nessler & Associates Acts to Benefit Tax Payers by Attacking City Coal Contract

The Law Offices of Frederick W. Nessler & Associates, Ltd., along with David A. Axelrod & Associates, Ltd., filed a lawsuit to enjoin expenditure of public funds under an illegal contract and for common law breach of fiduciary duty against James Langfelder, James Zerkle, Doug Brown, John Davis, and Arch Coal, Inc.  

Medical Malpractice Claims: A Guest Blog Post by Percy Martinez

The following is a guest blog post written by Attorney Percy Martinez.  Percy Martinez practices law in Miami, Florida. 

A Medical malpractice claim is a very serious issue. Malpractice lawsuits tend to be costly and tedious. If you were to compare most personal injury claims, the cases tend to show preference towards doctors and medical professionals, not the person filing the lawsuit. Negotiating a settlement can be harder in a malpractice case as well, most of the time it's very difficult to sway the doctor to settle even if the insurance company is willing to settle.

Nessler & Associates Q3 2016 Newsletter

The Q3 2016 Newsletter for The Law Offices of Frederick W. Nessler & Associates, Ltd. is now available!  Please take a moment to visit our website at to view our newsletter and to review the most up-to-date information about Nessler & Associates.

Over the course of the next few issues, the Nessler & Associates’ newsletter will focus on introducing our staff to our clients.  The staff at Nessler & Associates is excellent.  They are hardworking and highly competent.  The staff is necessary to ensuring that our clients receive excellent representation.

Each staff member will be introduced, during the course of the next several newsletters.  They will be introduced in order of the amount of time they have been a member of the Nessler & Associates’ team.

The Contingency Fee System Balances the Scales of Justice

The contingency fee system allows a person of conventional means who has been injured due to the negligence of another to retain a highly qualified attorney, who the injured person might not be otherwise able to afford.  This payment system permits an injured person to “even the playing field” against the deep pockets of those entities who are almost always paying for the negligent person’s defense.

Who Is Liable When a Drunk Driver Injures a Passenger, Another Driver or a Pedestrian?

Driving under the influence of alcohol is dangerous and irresponsible.  An individual driving a vehicle while intoxicated will be held liable in Illinois for injuries caused by the intoxicated driver’s negligent acts.  In some circumstances, additional persons or entities might be liable for the intoxicated person’s actions.  For instance, the establishment responsible for overserving the intoxicated patron might be liable for injuries caused by the negligent actions of the intoxicated person.

Injured Workers Should Notify Their Employers About a Work Related Injury as Soon as Practicable

In order to be protected under the Illinois Workers' Compensation Act, an injured worker must give notice of his injury to his employer as soon as practicable, but not later than 45 days after sustaining an accidental injury arising out of the employment. 820 ILCS 305/6(c).  If the employee does not notify his employer that he was injured, the failure to give notice will bar the claim.  Ristow v. Industrial Commission39 Ill.2d 412 (1968).

Texting While Driving is Dangerous, and It’s Getting Worse

Distracted Car Accident Lawyer

Texting while driving creates distracted drivers.  Distracted drivers are dangerous drivers.  Now-a-days cellphones allow cellphone users to do much more than send text messages and place phone calls.  As the functionality of cellphones increases, so do the number of distractions and distracted drivers.

The Center for Disease Control recognizes three main types of distractions while driving:

  1. Visual Distractions, such as taking your eyes off of the road;
  2. Manual Distractions, such as taking your hands of the wheel; and
  3. Cognitive Distractions, such as taking your mind off of driving. (CDC)

Sending a text message, or otherwise using a cellphone while driving causes all of the main types of distractions recognized by the CDC. 

In 2013, 424,000 people were injured in motor vehicle accidents caused by distracted driving, according to the CDC. This number is up by almost 10% over 2011.  Distracted drivers caused nearly 1 in 5 car crashes in which someone was injured in 2013, according to the CDC.

Texting while driving creates a major safety concern.  When driving 55-miles-per-hour, the average text message takes a driver’s eyes off of the road for a distance greater than a football field, according to the National Highway Traffic Safety Administration.

Illinois law makers expressly recognize the danger associated with distracted driving.  Operating a cell phone while driving is a crime in Illinois.  Illinois law states, in pertinent part:

(a)  As used in this Section:
“Electronic communication device” means an electronic device, including but not limited to a hand-held wireless telephone, hand-held personal digital assistant, or a portable or mobile computer, but does not include a global positioning system or navigation system or a device that is physically or electronically integrated into the motor vehicle.
(b)  A person may not operate a motor vehicle on a roadway while using an electronic communication device.
(b-5)  A person commits aggravated use of an electronic communication device when he or she violates subsection (b) and in committing the violation he or she was involved in a motor vehicle accident that results in great bodily harm, permanent disability, disfigurement, or death to another and the violation was a proximate cause of the injury or death.
(c)  A second or subsequent violation of this Section is an offense against traffic regulations governing the movement of vehicles. A person who violates this Section shall be fined a maximum of $75 for a first offense, $100 for a second offense, $125 for a third offense, and $150 for a fourth or subsequent offense.  625 ILCS 5/12-610.2 (West 2016).

Texting while driving is not only a violation of criminal law.  Texting while driving is also a violation of a driver’s civil duty to other drivers on the roadway.  If a driver causes an accident, because that driver is operating a cell phone, and the accident injures another, the driver will be held liable in civil court for money damages to compensate the injured person. 

With widely popular cellphone games like Pokémon Go, the number of distracted drivers is steadily increasing.  A safe driver cannot be expected to account for the negligence of a distracted driver.  Instead the problem of distracted drivers must be addressed.  To stop this problem, individuals operating a cellphone while driving must be held accountable both criminally and in civil court.