Florida auto insurance will continue to be one of the most expensive in the country. Share this update on Twitter. Recently, Governor DeSantis vetoed the Mandatory Bodily Injury Liability law that was overwhelmingly passed by the Florida legislature. (In April, the Florida House passed the bill 99-11 and the Senate passed it 38-1). The […]
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What Auto Insurance Is Required in Florida?
What auto insurance (or car insurance), is required in the state of Florida? Florida law only requires that an owner of a motor vehicle purchase Personal Injury Protection and Property Damage liability coverage. The law doesn’t require that a motor vehicle owner purchase liability insurance for bodily injuries. So, if you are in an automobile […]
How Insurance Companies Evaluate Claims
How Insurance Companies Evaluate Claims (Part II) Click here for Part I of this article about settlement demands. So now that the insurance company has your settlement demand package, what happens next? With the volume of claims an insurance company receives, it’s almost impossible to imagine an insurance adjuster reading through every single medical record. […]
Auto Insurance Terms
Commonly Used Auto Insurance Terms Bodily Injury Liability (BI) Coverage Pays for death or serious and permanent injury to others. Your claim against the at-fault party will be made against their BI coverage, if they have it. It is optional under Florida law. Property Damage Liability (PD) Coverage Pays for damages that an […]
Is Usage Based Insurance Right for You?
What if your insurance company could grade your driving? Thanks to technology, now they can. That’s what happens with usage-based insurance, or “UBI”. With UBI, you allow your insurance company to monitor your vehicle to determine your premiums. The better driver you are, or the less risk you are to the insurance company, the better rates or discounts you receive. Saving money with a UBI device sounds like a great idea, but is it? What is Usage-Based Insurance? UBI uses […]
Lower Your Medical Bills with These 5 Tips
Overwhelmed by medical bills after an accident? At C. Todd Smith Law, we’re sharing five ways Floridians can lower and manage those bills. Most of us can’t afford to be sick or injured. Even small disruptions to our day-to-day lives can be costly. In addition, the time and attention needed to understand confusing medical insurance policies […]
Electric Bike and Scooter Laws to Know in Central Florida
Do I need a license or insurance for an electric bike or scooter? Undoubtedly, you’ve seen a lot of e-bikes and electric scooters throughout Central Florida, and just recently, Gov. Ron DeSantis signed a bill, HB 453, that legalizes electric scooters in Florida. HB 453 allows companies like Lime, Bird, and Uber’s own Jump Scooters to operate statewide. Future regulations […]
Injured in a Motorcycle Accident? Here’s What to Do Next…
A motorcycle accident can happen at any moment in Florida. Through August of 2021, over 5,000 motorcycle accidents have been reported. There have been over 4000 injuries from motorcycle accidents and almost 350 fatalities. Visit the Florida Highway Safety and Motor Vehicles’ Florida Crash Dashboard for the most up-to-date statistics. Given the numbers, it’s important to know what to […]
Bodily Injury Liability Coverage Passes Legislature
What is Florida’s New Mandatory Bodily Injury Liability Coverage Law that Repealed No-Fault Insurance? Here’s what you need to know about Bodily Injury Liability Coverage and how that affects you as a driver. What is Florida’s New Mandatory BI Liability Coverage Law that Repealed No-Fault Insurance? UPDATE – Governor Ron Desantis chose to veto […]
5 Things to Provide Your Personal Injury Attorney
What should I bring when meeting with my lawyer? You may already feel overwhelmed after your accident, and feeling unprepared to meet with an attorney. While every case is unique, the following 5 tips will make for a successful first meeting with a personal injury attorney. Bring all relevant documents. Come prepared with any and […]
What to Do After an Accident
Every state differs when it comes to car accident laws. Here is what you need to know if you are involved in an accident in the state of Florida. Remember to keep calm. Doing so will help to ensure you correctly document the accident and protect your rights.
Case Timeline
How long does it take to resolve your claim? This timeline is provided as a general guide as every case is different. Some cases will get resolved sooner, some longer. You should not rely on these timelines but discuss your specific circumstances with your attorney. Delays in medical treatment, the length of your treatment, and […]
