Auto insurance

Florida’s no-fault auto insurance system is yet again on the chopping block in the Florida Legislature, despite concerns that the proposed change wouldn’t lower premiums as backers contend and could increase lawsuits and health-insurance rates. Under the no-fault system, drivers…

Over the past few years, I have gotten many questions from clients on insurance related matters. One of the most common questions I typically get is “Can I cancel my insurance policy after an accident?” If you were involved in…

Being left with a totaled car after a motor vehicle accident is a horrible experience. Let’s just make that clear right away. Let alone the fact that you have to deal with an auto insurance company. Often your car will…

A named insured is in most cases the owner of the car insurance policy. The named insured purchases the insurance policy and is responsible for making any changes or handling any issues directly with the insurance company on behalf of…

The term “premium” means the consideration paid or to be paid to an insurer for the issuance and delivery of any binder or policy of insurance. An insurance premium is consideration for issuance of an insurance policy and is thus…

Where an applicant for automobile insurance rejects UM/UIM coverage and the insurance company receives the application in such form, the insured cannot recover under those coverages that were not included in the policy. By statute, the insured's initial rejection or…

Most car owners assume that their auto insurance policy provides wider coverage than it actually does. Unless you have purchased comprehensive coverage for your car, there may be several situations under which you have no coverage. You can find auto…

What materials the policyholder needs to review at the outset and what investigation and/or discovery needs to be undertaken depends on what type of claim is being made by the policyholder, i.e., whether it is a claim for first-party property…

At the outset of handling an auto insurance claim, the attorney will need to obtain 1) a certified copy of the insurance policy; 2) the policyholder's written proof of loss; and 3) the insurance company's file regarding the claim, including…

Auto insurance policies are confusing and boring documents that can be an absolutely terrible to read. Your policy is a legal contract binding the insurance company to perform specific actions under certain circumstances for an agreed upon price. Insurers want…