Let’s say you get into a car accident and the at-fault driver is uninsured or has only purchased the state minimum automobile insurance. Who pays for your injuries? If you purchased uninsured motorist insurance (UM Coverage) as part of your auto insurance policy, it takes the place of the missing bodily injury coverage and [...]
We have always known about the risks of drunk drivers on the road but what about drivers on their phones also known as “distracted drivers?” The National Safety Council reports that the use of cell phones while driving is responsible for 1.6 million crashes each year. At least 660,000 people use their phone each [...]
You have just been in a car accident. What do you do next? Do you call the police? What if the other driver does not have insurance? Do you take pictures? Keep calm and follow these few simple steps: Address Passengers and Assess Damage Severe injuries can happen from the result of a car [...]
Property damage liability coverage takes effect when your vehicle is involved in an accident and found at least partially at fault for causing damage to another person's property. Property damage liability coverage is the part of your insurance policy that pays for the costs associated with repairing or replacing another person's property. This typically means [...]
Under Florida Statute 316.172, any person using, operating, or driving a vehicle on or over the roads or highways in the state of Florida shall, upon approaching any school bus which displays a stop signal, bring the vehicle to a full stop while the bus is stopped. The vehicle cannot pass the school bus until [...]
Halloween is just around the corner! This is an exciting and celebratory time for individuals of all ages. Throughout the month of October there are Halloween parties, dress up opportunities and sugar overload. Along with the excitement of the season, it is important to be aware of certain safety precautions so that individuals do not [...]
Lets say you’re involved in an automobile accident in which the other driver is at fault; it’s safe to assume that the at-fault driver's car insurance will pay for the damages right? Not exactly, because if the individual who caused the accident has only the Florida State Required Minimum liability coverage, it will not cover [...]
Rental car reimbursement coverage helps pay for rental car costs you incur when your car's damages are covered by your comprehensive and collision car insurance coverage. For example, you may need to rent a car if your own car is being repaired for damages caused: In a car accident where you were at-fault. In a [...]
Have you ever been driving behind a semi truck and noticed a sign that says “Stay Back” or “Not Responsible for Broken Windshields” affixed to the trailer? Most people tend to instinctively believe the signs they see every day. But, it just doesn’t work that way. Florida Statute §316.520 states that a vehicle may not [...]
The term "non-joinder" refers to the omission of a necessary party to an action, which in this case is the insurance company. Under Florida Law, a jury will never know whether the defendant in a lawsuit has an insurance policy that will cover a verdict against them. In other words, the vast majority of personal [...]
