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To File or Not to File: When Not to File an Auto Insurance Claim


As has been explained previously on this blog, insurance is not entirely about you. Yes, your driving record has an impact, as well as where you live, your age, and other factors. However, what insurance is really about is the Other Guy. Let’s face it, Florida drivers are the reason that Floridians originally went for […]

Why Your Hurricane Insurance May Not Be Adequate


It’s safe to say that the long low of years without hurricanes or tropical storms may be over for Florida. The 2017 hurricane season with 18 named storms was the most active since 2005. Many homeowners are now finding out that their hurricane insurance coverage may have been within the recommended guidelines but is wholly […]

What is Progressive Rideshare Insurance?


The gig economy has seeped into every part of our lives. One of the most popular gig jobs that people do either for full-time work or for extra cash is ridesharing. By using personal vehicles for work, it creates an insurance dilemma. Automobile insurance is binary. When you are driving your personal vehicle on your […]

What Does PIP Insurance Pay for in Florida?


PIP insurance, or personal injury protection, is part of the no-fault car insurance that we have here in the state of Florida. This insurance pays you for injuries sustained in an automobile accident, regardless of which party was at fault. This type of insurance is meant to cover medical costs, lost wages from being unable […]

Factors That Affect Car Insurance Rates in Florida


Florida still has no-fault auto insurance – at least for the moment. However, just because Florida has a no-fault auto insurance system, that does not mean that outside factors do not influence how much people pay for insurance. From credit score to type of car, to the neighborhood where you live we’re going to look […]

Is Water Damage Covered by Car Insurance?


See if this sounds familiar: A storm unexpectedly blew in and dumped a bit of rain. And you forgot to put the top back up in your convertible. So, will your insurance cover the damage? The answer is… maybe? As with all things insurance, whether or not a specific hazard is covered depends on the […]

The Fate of Florida Flood Insurance: It’s Time for the Senate to Act


The year 2017 brought with it one of the most historically devastating hurricane seasons, resulting in an unprecedented $200+ billion in damages for the U.S. With numbers like these, you’d think that preparations would be in place for the 2018 season. But not so much: The National Flood Insurance Program, or NFIP, which provides affordable […]

What are the Florida Minimum Auto Insurance Requirements?


It should come as no surprise that the state law says that residents must buy car insurance that meets the Florida minimum auto insurance requirements. It has to include minimum coverage for Personal Injury Protection (PIP) and Property Damage Liability (PDL) auto insurance. Thankfully, Florida has some of the lowest auto insurance coverage minimums, so […]

Repercussions of Driving Without Insurance in Florida


Any person found driving without insurance in Florida faces several repercussions. The No-Fault Law requires Florida vehicle owners to carry auto insurance. Before you can register your vehicle and obtain license plates in the state of Florida, you must have vehicle insurance in place and you must continue to have it until the registration period […]

Help! What Insurance Will Insure a Zinsco Electrical Panel?


Q: I recently inherited a Miami area property from my grandparents’ estate. The house was built in the 1940s, renovated in the early 1970s and late 1990s, and has come through hurricanes and other hazards just fine. The problem is the electrical panel. It was made by a company called Zinsco-Sylvania and I was turned […]