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Posts Tagged "agent"

Report: Google Car Insurance Agency on it’s way : Expect Personalized Service?

Posted by on Jan 15, 2015 in Motor vehicle accidents, Uncategorized

Report:  Google Car Insurance Agency on it’s way : Expect Personalized Service?

The New York Times is reporting that Google is inching closer toward opening its own automobile insurance agency.  In my opinion, another behemoth corporation like Google getting into the automobile insurance agency business really represents no improvement in terms of the lives of Florida consumers. Apparently, A Google car insurance agency is on the way. The company’s intent is to create a comparison/search website that will allow consumers to enter information about themselves, their vehicles, and their driving history and behaviors, and then received pricing or quotes from multiple insurance carriers.  As many people know, several insurance companies have their own websites set up to deliver quotes, but Google’s would presumably feature quotes from several companies.  Apparently, several Google employees have already received their insurance agent licenses in California and other states.  No word yet on whether Google has any agents in Florida, but Google is said to be focused at this point on the most populated states. The problem, as I see it, is that, while Google may have insurance agents working behind the scenes on the website, it doesn’t seem like these agents will be providing any kind of professional insurance advice to consumers.  For example, is Google going to have an employee standing by to answer consumer questions regarding the types of coverage that are available and what exactly is covered?  If you have ever tried to contact anyone at customer service at Google, you will understand that it is highly unlikely that an insurance consumer would ever be able to actually speak to a human being within the Google framework. As a Florida personal injury attorney who deals with automobile insurance matters on a daily basis, I am constantly struck by how little most Floridians understand about automobile insurance.  I am also constantly amazed at how under-insured most Floridians are in the event that some kind of unforeseen and devastating accident happens.  I have to wonder what kind of advice — if any — most Floridians are receiving from their insurance agents about available coverages, or what kind of coverage limits to buy.  I cannot imagine how the entry of Google into Florida’s insurance marketplace could possibly help consumers in this area.  Of course, I hope I turn out to be wrong. We regularly help Florida consumers you have questions regarding automobile insurance, and we generally do so at no charge. If you have any questions regarding Florida automobile insurance, call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill 407-254-4901.  Don’t forget to ask them for a copy of their FREE Florida automobile insurance buyers’...

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Did Your Insurance Agent Get You What You Asked For (Or Needed)?

Posted by on Mar 14, 2014 in Uncategorized

Did Your Insurance Agent Get You What You Asked For (Or Needed)?

As Florida personal injury lawyers, we talk to people about insurance all the time.  Recently, we have encountered several situations with clients and potential clients where insurance agents have clearly failed to help their clients procure the insurance coverage that they wanted or really needed. Generally, insurance agents owe their clients/customers a fiduciary duty to look out for their clients’ best interests, and to use their professional expertise to advise clients about what their insurance needs are or should be.  When an insurance agent does not properly execute this job, and does not give sound advice to a client, the insurance agent can be held liable if the event or condition the client was concerned about happens and the client suffers damages. It occurs to me that certain insurance agents fail to take this responsibility very seriously, and often seem to approach their customers with a cookie-cutter mentality or philosophy.  It sometimes seems that insurance agents are more interested in selling the particular products or lines of coverage that the insurance companies want to sell, rather than selling the exact product that would be most helpful (or perfect) for their client. It is important to note that an agent’s duty to his client doesn’t stop the minute the policy is purchased.  We have recently been successful in collecting damages for a client who received notice of a potential claim, but was told by their insurance agent not to report the notice letter they received to their insurance company.    It was the agent’s insurance company — and the agent’s errors and omissions (i.e. malpractice) coverage that ultimately paid our client’s damages. If you have any questions regarding the purchase of insurance coverage, or if you think that your insurance agent caused you damages by doing a poor job helping you procure insurance coverage, call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill at...

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Chaos Surrounding Insurance Coverage For Assaults, Batteries, and Liquor Liability For Florida Bars

Posted by on Apr 8, 2013 in Negligent Security

Chaos Surrounding Insurance Coverage For Assaults, Batteries, and Liquor Liability For Florida Bars

If you were innocently assaulted, stabbed, or even shot at a Florida nightclub, bar, or restaurant, would you expect that the owner of the business would have insurance to help you pay your medical bills or damages? You might be surprised to learn that many – if not most – restaurants, bars, and nightclubs in Florida, do not carry proper insurance to response to such negligent security claims.  And many of these businesses do not even know it. Many commercial general liability insurance policies contain exclusions that negate insurance coverage for losses related to assaults, batteries, or any liabilities related to alcohol consumption in any way.  These exclusions have been interpreted very broadly by courts so as to give insurance companies a lot of protection, but they leave businesses sometimes helplessly directly exposed to injury or wrongful death claims. Insurance agents rarely bring these exclusions to the attention of their commercial insurance clients, and many agents and insurance companies will not offer or include alcohol liability or assault and battery coverage for a business unless it is specifically requested. To make matters more confusing, there is little uniformity in these types of coverage, so the business owner rarely knows exactly what he is purchasing, even when he specifically asks for it. For example, some liquor liability policies feature declining limits provisions that reduce the available insurance limits by the amount of attorneys’ fees incurred in the defending the claim. In a case involving sustained litigation, a bar owner might find there is little or no insurance money left at the end of the case to compensate the injury victim. Another potentially problematic area concerns coverage for off-premises activities. For example, if a restaurant or bar participates in a festival or “Taste Of…” event off of its normal premises, liquor liability coverage might not apply. If you are injured in a fight or similar event, or injured as a result of the service or providing of alcohol at a bar or restaurant, securing a copy of the business’ insurance policy will be critical to understanding your options.  At the same time, if you are business owner that faces a claim arising our of alcohol consumption or an assault or battery, and your insurance company is trying to avoid covering you, you may want to consult with an attorney to find out what rights you may have. If you have questions regarding a potential claim against a Florida restaurant, bar, or nightclub, call Winter Park personal injury attorneys Kim Cullen or Robert Hemphill at...

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