What’s the Difference Between BI and UM Insurance Coverage?

Bodily injury (BI) and uninsured motorist (UM) are two types of auto insurance coverage. Although both can pay for medical care, lost wages, and pain and suffering after a crash,...
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Can I Negotiate With the Insurance Company If My Car Is Totaled?

Yes, you can negotiate with the insurance company if your car is totaled. However, just like other types of claims, you should understand the potential value of your case and...
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Letter of Protection Florida Sample

In Florida, you can use a letter of protection (LOP) to form an agreement between you and your medical provider that ensures you get medical treatment while you anticipate getting...
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The Perks and Perils of PIP Coverage: What You Need to Know About Personal Injury Protection

As you probably know, all Florida drivers are required to have car insurance. Insurance policies, however, are far from one-size-fits-all. Each policy contains a number of clauses, and deductibles and...
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The Myth of the Independent Medical Examiner: Why You Should Talk to an Attorney Before an Exam

When you’re injured in an auto accident, you should seek immediate medical attention. Failing to do so within 14 days could cost you your personal injury protection (PIP). Even if...
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Are Insurance Companies Using Your Social Media Activity Against You?

Insurance companies already consider what kind of car you drive, your driving history, your credit score, and your “insurance risk score” when determining how much your car insurance premiums will...
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What Car Insurance Companies Don’t Want You To Know

MSN Money recently published a list of insurance companies' top 10 “dirty little secrets.” 40 percent of these were related directly to auto insurance claims and policies. When you are...
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The Problems With PIP Auto Insurance

When it comes to auto insurance not all states are created equal. One thing a few states have that others do not is Personal Injury Protection or PIP insurance. This...
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Distasio Law Firm