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Archive for the ‘Uncategorized’ Category

No “Take-Backs” for Universal Property and Casualty Insurance Company

Wednesday, June 29th, 2011

On June 29, 2011, an Escambia County Jury told Universal Property and Casualty Insurance Company that it could not get out of a deal it made with a Pensacola family of 6.  A Pensacola family purchased homeowner’s insurance from the company with the red elephant, Universal Property and Casualty Insurance Company.  Universal promised to insure the family home in case of disaster if the family agreed to pay insurance premiums.  The family agreed to the deal and paid Universal Property and Casualty Insurance Company over $2,000.00 for insurance to protect their home.

In 2007, the family home experienced an accidental fire.  The fire burned the home to the ground and consumed almost every possession they owned.  Universal Property and Casualty Insurance Company had no problem accepting this family’s money for premiums –until they needed to make a claim that is. When Universal Property and Casualty Insurance Company found out about the accidental fire, they decided they no longer wanted to be the family’s insurance company—they wanted to “take-back” the deal.

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Full Coverage Does Not Mean Complete Coverage

Wednesday, March 9th, 2011

During the last few weeks we have had to tell too many people that there is no insurance to compensate them for their injuries caused by careless drivers.  Inevitably, they say “but my insurance agent told me I had full coverage.”  These people have become victims twice.  Not only are they the victim of another driver’s carelessness, but also they will never have the opportunity to make a fair recovery because they did not have the correct insurance coverage to protect themselves.

Florida law does not require an owner of a vehicle to carry Bodily Injury (BI) insurance.  BI insurance pays to compensate other people hurt in a crash if you are found to be the at-fault driver.  If you are injured by a careless driver who does not have enough BI or any BI insurance, there will not be enough money to compensate you for your medical bills or lost wages if the crash is a serious one.  The only way to protect yourself from being financially devastated due to the fault of a careless driver is to purchase UM Coverage which stands for Underinsured/Uninsured Motorist Coverage.

UM Coverage protects an injured person and their family when a careless driver either doesn’t have enough BI insurance or has no BI insurance at all.  UM Coverage is the flipside to BI insurance.  BI insurance protects the other driver.  UM Coverage protects you.

This firm has focused on personal injury insurance claims in Florida over the years.  We have learned that when a driver thinks they have “Full Coverage,” what they actually have is legal coverage, or the minimum required by law.  The State of Florida does not require drivers to carry insurance to protect innocent people they may hurt.  The State of Florida only requires automobile owners to have very limited medical and disability coverage for the auto owner, NOT the innocent people they may hurt, and property damage coverage for damage to other people’s property.  You can drive on the roads in Florida with legal coverage and yet have no protection for severe injuries caused by someone else’s carelessness.

Contact your insurance agent and ask whether you have UM Coverage on your car to protect you and your family.  If you do not have UM, ask for it immediately.  Purchase as much as you can afford so that YOU are protected.  Once you have been involved in a car crash it is too late.

New Television Commercials

Wednesday, March 2nd, 2011

In an effort to better reach out to the community and let them know what we do at Taylor, Warren & Weidner, P.A., we have launched three new television commercials.  See them here:

Stephanie Taylor on Disability InsuranceYouTube Preview Image

Keith Weidner on Insurance Claim Denials YouTube Preview Image

Stephanie Taylor on Social Security Disability YouTube Preview Image

Taylor, Warren & Weidner Sponsors Gulf Coast Kids House

Thursday, January 20th, 2011

kids-house-sidebar Taylor, Warren & Weidner, P.A. is excited to sponsor the annual (8th year), Chocolate Festival at the Cordova Mall.  This is an annual fundraiser benefiting the Gulf Coast Kid’s House.  As you walk through the corridors of Cordova Mall, you fill up your “to-go” box with mouth-watering chocolate treats donated by popular local restaurants. A special area for children, the “Chocolate Factory”, features activities, games, and prizes.  The event will take place at Noon on April 30, 2011.  For information or to buy tickets see  http://pensacolachocolatefest.com/event.php

Steen’s Family to Seek Civil Suit against City and Officer Ard

Wednesday, April 7th, 2010

Yesterday, State Attorney Bill Eddins announced that he would not pursue criminal charges against Pensacola Police Officer Jerald Ard for his role in the death of 17 year old Victor Steen last October.  This determination followed Escambia County Judge John Simon’s decision Monday that Ard did not bear criminal responsibility for Victor’s death.  The family’s attorneys plan to file a civil lawsuit against the City and Officer Ard now that the coroner’s inquest is complete.  Since coroner’s inquests became mandatory in the 1990′s to investigate officer involved deaths, to date; no officer has ever faced criminal charges upon conclusion of the inquest.

Health Care Reform

Thursday, August 20th, 2009

Effects of the Health Care Reform on end-of-life decisions:

Recently I have had a few clients concerned that the Health Care legislation being proposed may have the effect of giving end- of- life care decisions to the doctor while taking power away from the patient and their family.  It seems there is a lot of talk in the media that may be fueling these fears.  Understandably, the uncertainty of such a massive piece of legislation is scary because change is scary.  Take comfort in the knowledge that there continue to be actions you can take to give yourself more control over your end-of-life care. (more…)