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Posts Tagged "policy"

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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What Does $10,000/$20,000 Insurance Limits Mean In A Florida Car Accident?

Posted by on Jul 2, 2013 in Motor vehicle accidents

What Does $10,000/$20,000 Insurance Limits Mean In A Florida Car Accident?

I recently read in several of our local media outlets about a major car accident this past weekend involving several vehicles.  Apparently, a green pickup truck started a chain-reaction car accident.  Ultimately, five vehicles were damaged, and several people were rushed to Winter Park Hospital with injuries. As a Winter Park accident attorney, my first concern is for injured people and their families.  From experience, I know that these injured folks are going to incur thousands of dollars in medical expenses (from the Emergency Room alone), and may also experience lost wages if their injuries are serious enough to interfere with their work.  The obvious question arises:  Who is going to pay for all of these losses (damages)? It only makes sense that the person who caused the accident should pay for the damages.  Unless the person who caused the accident is independently wealthy, accident victims usually have to rely upon any bodily injury liability insurance the negligent driver chose to purchase.  (Notice I wrote “chose” to purchase.  In Florida, liability insurance is voluntary.  This is a travesty, and probably a good topic for another blog post…) Many people are confused when they hear that someone carries a “10/20”, or a “50/100” liability policy.  Using “10/20” as an example:  this means that the insurance company will pay any single injured person up to a maximum of $10,000.00 for his or her injuries, however the insurance company will never pay more than $20,000 for all of the injuries caused by the accident.  Again, using “10/20” as an example, if there were four people injured by the insured’s negligence the maximum payout would be $20,000.00, but no one person could recover more than $10,000.00. As should be obvious, a small policy with multiple injured people often places injured people at odds with one another over how to divide limited resources.  This is why we spend so much time preaching about the benefits of drivers carrying Uninsured Motorist coverage. If you have any questions following a Florida car accident, don’t hesitate to call Winter Park personal injury attorneys Kim Cullen and Robert Hemphill at 407-254-4901.  Also, don’t forget to order a FREE copy of Kim’s book, Asleep At The Wheel – 13 Mistakes the Insurance Company Desperately Hopes You Will Make After Your Florida Car Accident by clicking...

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