Florida Insurance Legal Questions

This simply does not happen arbitrarily as described. If they added some one to your insurance its because someone is claiming to live at your address with you. You need to address this with your insurer - this is not a legal issue. If the person does not live with you and you have no idea who they are  - this should be easily corrected or explained. ... Read More

This post makes no sense. You claim you bought a vehicle cash- but then you weren't provided title. Then you say you expect the seller to provide title "because of the amount of work needed" which suggests you did NOT buy the motorcycle - but rather entered into some form of payment plan - and expect some discount where he just gives you the bike, because you claim work needs to be done on the bike. That said - the seller is not ignoring you, he plainly said "NO" if that was your suggestion. Unless there is something fundamentally unsafe about the bike such a cracked frame, if the bilke was sold "as is" and agreed to buy it as such, that does NOT entail you having it inspected after the fact and the expecting to renegotiate the price. You would typically be expected to pay for or make any necessary repairs, such as brakes, light replacement etc, at your expense. Other than that you will have to hire a lawyer to sort out what the terms of the sale were. ... Read More

Its rare that a tow yard sells a car at auction and NEVER provides notice. In fact, that you were aware of the car being towed and in the lot shows that you were aware of the issue, so there is little reason for the tow yard to decive you. To the contrary, if you can't mak the payment to recover the vehicle, then their best bet is simply to track the law to the tee. At this point you will need to hire a lawyer to see if they complied with the notice requirements which involnes hiring a company to mail you notices at the registration address with DMV and go from there depending on the findings.... Read More

While the GRAVES amendment may apply, to provide you immunity, there are ways to work around it as it applies to vicarious liability not issues where there is active negligence on the part of the rental company that applied to the crash. You need to report this to your insurance carrier to have them address any claim or lawsuit made. ... Read More

Dear Nick, Sorry to hear. If you were injured, speak with a Personal Injury attorney asap to see if you have a viable claim to present. We cannot directly solicit you. You will have to reach out. We all give free initial consultations for representation on contingency. Loren L. Gold, Esq. 954-742-6999... Read More

Yes. Your presence in the house is an insurance risk, both as to no fault coverage and the potential that you might be using the car despite claiming otherwise. He was obligated to have advised the ins. co. of your residency. Your brother will need to get with his insurer to formally exclude you all from coverage to get the rates down.... Read More

Fight? Sure. But too many people use junk speak to translate effort into achievement, so that you are really asking can you WIN. The answer to that is - no way to tell until the fight is over. Generally, either they have a signed waiver request or they don't under Fla. Stat. 627.712. Your recollection of this or that is of no consequence. If there was a credit for it - this suggests that someone actually made such a request during the period of the policy, presumably to lower the premium. If there was no complying written request, that is certainly favorable as much as if they do, problematic. The other issue is whether you can insure the roof at all, as this may be a common area subject to the condo association insurance,  not yours, where your claim may be for the consequential losses from the roof compromise from your carrier or the condo association. Thats one reason to retain a lawyer to address this type of issue ASAP. ... Read More

You have the right to challenge the replacement of the carpet. You just need to be sure you are correct, as you could end upo paying for the carpet and the LL legal fees if the court says the charges were proper. If you returned the property with the carpet visibly stained - the LL have have a valid claim. The key is whether they lied and just kept the money and did not replace the carpet before renting again. ... Read More

You expect to have the insurance carrier pay out on the policy but then think you are entitled to a refund of the policy? It simply doesn't work that way. If they have cancelled the policy and you want to keep it, you can appeal or dispute the termination of the policy. Suing is not typically viable to maintain coverage as its simply not cost effective. ... Read More

and this is an issue - why? If you have concerns that there are violations of adjusting rules or protocol - then you can report this to the HR department or to the Florida Department of Insurance. To be clear, you are there to help the employer - not them to help you. If you cannot handle the job, then let your employer know so they can recall you and deploy someone else, or seek other employment that may be more accomodating. ... Read More

  Hello Carson,  More facts are needed which can be discussed in consultation with an Insurance Claims attorney who can investigate this matter on your behalf.   An experienced professional can guide and advise you and evaluate your  claim. However, if you are interested in consulting with one of us, you will have to reach out, as attorneys are unable to directly solicit on this forum. Do not delay so as not to prejudice your rights.... Read More

To avoid being a total loss, the truck would need to be worth $3,500 if it costs $2,800 to repair. Call a Car/ Truck Accident Attorney for consultation. We all give free consultations. You may be entitled to loss of use. It depends upon the timing. Plus sales tax.    If you've been injured, you should really speak with a Personal Injury attorney, asap. ... Read More

Whether Bodily Injury Liability (BI) coverage is required or not has two main areas of law to consider.  Bodily Injury Liability coverage is not required to drive an automobile in Florida legally. However, it can be if you have been convicted of a DUI. Under Florida Statue 324.023, Financial responsibility for bodily injury or death, you must have bodily injury insurance if you are convicted of a DUI. If you were convicted on or before October 1, 2007, the minimum requirement is $10,000 per person and $20,000 per incident. If you were convicted after October 1, 2007, the minimum required is $100,000 per person and $300,000 per accident. According to the Statute, you must have BI coverage for 3 years after the return of your driving privileges. Suppose you choose to drive without BI coverage. In that case, it is important to know that Florida has a Florida Financial Responsibility Law, which requires that a person who is at fault for an accident must provide financial coverage of at least $10,000 per person and $20,000 per accident. This means that if you cause an accident that results in bodily injuries to another person(s), you must either have BI insurance or post a bond for the required amount of coverage. If this “responsibility” is unmet, you can lose your driving privileges. You will also be required to make financial arrangements to pay for any judgment against you for property damage and bodily injuries before you can get your driver’s license reinstated. ... Read More