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Insurance

As a St. Petersburg personal injury attorney, I have grown accustomed to the garden variety of tricks utilized by insurance carriers. When you are involved in an accident and report your claim to the insurance carrier, the company will send a licensed adjuster to evaluate the value of your claim….

Personal Injury Protection’s 14 Day rule and Emergency Medical Condition In the 2012 Florida Legislative session, the Personal Injury Protection (PIP) statute was extensively amended (under House Bill 119); the laws officially went into effect in 2013. And although this may seem like old news, three years has still not…

If a victim of negligence doesn’t have insurance, how are their medical bills paid while the insurance company contorts itself (and often established medical science) to avoid paying for the damages they rightly owe? Often, those bills are covered by what is known as a Letter of Protection. A Letter…

Florida motorcycle laws are unique compared with most other states. In most states, motorcycle insurance laws are comparable to other motor vehicle laws but in Florida, they are not. Drivers of motor vehicles in Florida, with four or more wheels, are required to carry personal injury protection (PIP) as part…

Does my Homeowners Insurance Cover Water Damage? Florida can easily be considered one of the wettest places in the entire country. Floridians are no strangers to what all that water can do to their homes. This possible water damage is a constant threat to a typical Florida home that most homeowners…

Business Lobby Splits With Small Businesses on Interruption Insurance The consequences of quarantine and shutdown during this COVID-19 pandemic have been dire not just for the general public, but for businesses large and small that have found themselves in these unprecedented circumstances. Businesses all over the US have felt the effects…

As Businesses Try to File Insurance Claims for Business Interruption, Denials Coming Rolling In At this point, most business owners who have spoken to their insurance companies regarding business interruption coverage received negative feedback. Oftentimes, these insurance companies cite supposed exclusions in the commercial policy (e.g. exclusions for viruses, bacteria,…

As everyone is struggling to understand the COVID-19 situation in the United States, one group that is particularly in limbo is owners of small and medium businesses. With local, state, and federal ordinance insisting on social distancing and implementing stay-at-home orders, businesses are finding themselves with no customers and no…

Every year, active and former armed services members and their families trust the United Services Automobile Association (USAA) to handle their insurance, banking, and investment needs. The San Antonio-based business began selling policies to military members in 1922. USAA deserves credit for providing insurance services for the nation’s armed forces,…