Recently the Orlando area has witnessed gangs of ATV and motorcycle drivers recklessly occupying our roadways. Unfortunately this gang-like behavior is not exclusive to Orlando. This type of roadway anarchy has been documented in other cities throughout the country. These careless drivers are not only violating the rules of...

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You are on vacation and excited about all of the places you intend to visit. You’ve reserved a rental car, a fancy one because you want to look great while touring the scenes. As you are in the process of checking out, the associate for the rental car company...

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Uninsured Motorist Coverage (UM) is an optional coverage offered as a part of the Florida Personal Auto Policy. While Personal Injury Protection (PIP) and Liability are statutorily required, Uninsured Motorist Coverage (UM) may be rejected or excluded from the policy. But why would someone choose to exclude Uninsured Motorist...

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The Personal Auto Policy encompasses the coverage for liability. Liability is a third party benefit. The function of liability is to pay on behalf of the insured for financial damages for which the insured becomes legally liable to others. The liability coverage associated with the auto policy includes two...

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In this blog I discuss the concept of Personal Injury Protection associated with a Florida Personal Auto Policy. I prefer to discuss Personal Injury Protection before any other coverage on a Personal Auto Policy because once you understand Personal Injury Protection, the concepts of Bodily Injury (BI) and Uninsured...

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When I am speaking with clients about their auto insurance policy, most people tell me they have “full coverage”. What is “full coverage”? As an insurance agent I have to assume this means the client’s auto policy provides all of the available coverage options offered with the maximum obtainable...

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