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Archive for the ‘Helpful Articles’ Category

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.

Flunking the Attitude Test

Monday, January 17th, 2011

Weidner-Casual_19

Law enforcement officers have a difficult and challenging job.  They deserve to be treated with respect.  Law enforcement officers deserve respect because they are human beings with emotions and feelings like the rest of us.  However, the law does not demand that respect be given.  Some officers appear not to understand that lack of respect does not warrant an arrest.

The First Amendment prohibits law enforcement officials from arresting people for how they talk to, or yell at the police.  Even speech that is loud, disrespectful, profane, and insulting is protected in most circumstances.  Only words that by their very utterance inflict injury or tend to incite an immediate breach of the peace (“Fighting Words”) are unprotected.  Unless your words amount to Fighting Words, the First Amendment protects the speech that is directed at a police officer from a civilian.

The Supreme Court stated in City of Houston v. Hill that freedom of individuals to verbally oppose police action without risking arrest is one of the principal characteristics by which we distinguish a free nation from a police state.  Speech keeps the wheels of democracy running smoothly.  The right of the individual to speak out directly, openly, and immediately against his government is perhaps the purest and messiest form of democratic axle grease.  The ability to oppose or challenge police action is not only a principal characteristic distinguishing a free nation from a police state, it is one of the central benefits of living in a free nation.  In a country where people are unable or afraid to challenge their government’s authority for fear that they will be beaten or arrested, that country has no meaningful way to check and balance their government power.

Despite First Amendment Protection, some law enforcement officers are arresting people for voicing their dissent or even videoing police. The police are generally arresting people for violating laws such as disorderly conduct, refusing to obey an officer, obstructing or delaying an officer, or resisting arrest.  When an officer arrests a citizen because they do not like what they said, this is an invalid arrest.  This type of arrest is called “contempt of cop arrest” or a “cover arrest.”  This type of arrest is by definition police abuse and against the law. They are made with no valid legal reason.
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Jury Convicts 3 Officers after Hurricane Katrina Murder

Friday, December 17th, 2010

http://www.fox10tv.com/dpp/news/jury-convicts-3-officers-in-post-katrina-death-nt10-jgr1291986536695

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Helpful Hurricane Links

Tuesday, June 22nd, 2010

If you are looking for tips on how to prepare for hurricane season, or  interested in tracking a storm- try these helpful links:

http://www.wunderground.com/tropical/

http://www.nhc.noaa.gov/HAW2/english/intro.shtml

http://www.floridadisaster.org/

http://www.bereadyescambia.com/

http://www.santarosa.fl.gov/emergency/disasterprep.html

http://www.onestorm.org/Default.aspx?ReturnUrl=/OnePlan/

Gulf Coast Oil Spill: Look Ahead and Prepare

Friday, May 7th, 2010

Beach

For those of us on the Gulf who have experienced the aftermath of a hurricane, we know firsthand that it’s better to look ahead and prepare then to look back and regret.  So collectively, we begin preparations for the impact that the oil spill will have on our beautiful beaches, coastal wildlife, and fragile economy. Like so many of you, TWW is hoping for a swift solution to contain the massive spill and minimize its’ destruction to our area.  Whether you live or work on the coast, there are some things you can do to protect your rights and increase your chances of economic recovery should you suffer a loss. (more…)

Noteworthy Insurance Coverage Case

Tuesday, April 27th, 2010

Florida Farm Bureau Casualty Insurance Company v. Mathis —So.3d—, 35 Fla. L. Weekly D868a,  2010 WL 1542631 (Fla. 1st DCA April 20, 2010)

Mr. and Mrs. Mathis suffered damage to their two story home in Navarre Beach following Hurricane Ivan.  The Mathis’ were insured under a flood policy and a separate homeowners policy which covered windstorm coverage.  The home was deemed a total loss by the county and in order to rebuild or repair, the Mathis’ would need to comply with current building codes requirements with regards to elevation heights.  The expense to repair as well as the unsafe nature of the structure left  the Mathis’ with no choice but to demolish their home.  (more…)