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Today I’d like to touch on what happens if you’re in an Uber and get into a car accident. If the Uber driver is on the clock, they are using the app, and you are a paying customer, then Uber does provide insurance for any accidents that may occur while they are driving. So, if the driver of the Uber is responsible for the accident and is at fault there is bodily injury coverage that you can go against. There is also uninsured or underinsured motorist coverage on the Uber policy as well if again you are a paying customer […]

Today, I’d like to discuss uninsured or underinsured motorist’s coverage here in Florida. Last week I touched on a hit & run vehicle and what type of coverages you would need on your own policy in order to go after damages you sustained from a vehicle that is no longer available, but uninsured motorist coverage is even more important here in Florida not just because of a hit & run vehicle but because in Florida drivers are not required to carry liability coverage at all. They are required to carry PIP insurance to cover their injuries and they are required […]

Today, I’d like to discuss hit & run accidents here in Florida. A lot of times people are hit while driving their vehicle, the other car takes off, they can’t find that vehicle, they may be injured, and fear they cannot make a claim. Well, first of all, Florida is a no-fault state so you do have PIP insurance which will pay for the first $10,000 of your medical bills. Sometimes there is additional coverage on your policy which is called Medical Payments Coverage which will pay for more medical coverage for your injuries as well. There is also optional […]

Today, I’d like to discuss the new bicycle safety law that was recently passed here in Florida. This law added some things to the bicycle law and it also clarified some things from the prior law so that drivers and bicyclists know how to share the road better. Basically, if riding on a two-lane road a bicyclist should ride as far to the right side as what is safe assuming that the lane is wide enough for a vehicle to pass you and still give you three feet without crossing the centerline. If the road is too narrow for that […]

Today, let’s discuss a topic a lot of us don’t want to talk about. It’s summer here in Florida and that mean’s it’s hurricane season. Hurricanes unfortunately are going to be threatening us. Hopefully none of them hit us, but we have to be prepared if they do. I want to talk about driving after a storm. After a storm the best thing obviously is to stay home. There is going to be down power lines, down trees, and limbs. It’s going to be dangerous. There might be some flooding, but if you do go out you need to be […]

Operating a boat at night can be dangerous. Today I’ll review a few safety tips for when you are traveling by boat in the dark. It’s important to be careful and follow all of the proper safety rules. Make sure you have the proper running lights going when you’re driving the boat, make sure you know how to properly anchor so that your boat doesn’t drift, and make sure you always have a lookout on the boat as you’re going in order to avoid anything that might be in the water whether that be markers, buoys, things floating in the […]

Today, I’d like to discuss what documents not to sign after an accident. A lot of times an insurance company will come to you from the other side, if they were at fault, and say “Oh I just want to take care of your medical bills, let me give you some money for your medical bills, and you can go see the doctor and get checked out. I’m going to give you some money (usually a small amount), and a document to sign and you sign it and I give you the check” You then think everything is good, but […]

In Florida if you are under the age of 21 it is required that you wear a helmet while operating a motorcycle. If you’re over the age of 21 and have at least $10,000 of medical coverage on your motorcycle you are not required to wear a helmet. Now of course $10,000 doesn’t do much if you have a head injury and are involved in an accident with severe trauma. So I would always recommend if you are going to take that option to have a lot more insurance than the $10,000 which is the minimum requirement. However it’s always […]

Today I want to discuss boating accidents and I get the question of whether or not homeowners insurance will cover you if you have a boat and you get into an accident here in Florida. The short answer in Florida is probably not. Typically homeowners insurance may cover your boat if it’s on a trailer and it gets damaged at your property and some policies do expand that out as well but for the most part, homeowners insurance does not cover your liability if you hurt somebody while operating your boat on the waterways here in Florida. Unfortunately in Florida […]