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 (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. […]
Settlement Demand, Settlement Brochure, or Demand Package? When a personal injury law firm refers to “working on your settlement demand ”, they are usually referring to all the documents and supporting information that goes with a request for a settlement to the insurance company. Some firms call this a “settlement demand package” or a “settlement brochure”. This information is sent to the insurance company for […]
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 […]
In an ideal world, our days would go on without a hitch. In reality, accidents occur, and we have to be able to handle these situations quickly. Thankfully, technology allows us to become a bit more flexible. If you’ve been involved in an accident and need legal counsel, our legal expertise can be delivered to you virtually.
Progressive is launching a program to monitor its customers’ driving habits with a tiny computer device, in exchange for possible premium discounts. Progressive will provide the customer with a device that plugs into the diagnostic port of a vehicle which will collect data about the driving habits of the customer for 30 days. The device […]
Do you really need a lawyer after your automobile accident? At the law firm of C. Todd Smith Law, we talk to clients all over Central Florida who have questions after being in an automobile accident. Questions often arise such as, “Who is responsible for my damages”, “What are my rights?”, and “Do I have […]