Red Light Camera Repeal Fails

By | Blog | No Comments

We applaud the bill submitted by Senator Jeff Brandes to outlaw red light cameras. A recent study by the Florida Department of Highway Safety shows that intersections with red light cameras have more accidents, including more fatal accidents. Under the guise of public safety, numerous bay area cities erected red light cameras as a way to raise revenue. Recognizing the public safety problem, Senator Brandes proposed a bill to outlaw the cameras. The text of the bill can be found here. Unfortunately, Florida lawmakers did not approve the bill. Once again, the Florida legislature has put profits over the safety…

Read More

No-Fault Insurance Repeal Fails

By | Blog | No Comments

An effort by Senator Jeff Brandes to repeal Florida’s outdated no-fault automobile insurance law failed in this year’s legislative session. The bill would have repealed Florida’s no-fault insurance and would have required Florida drivers to maintain a minimum of $10,000 in bodily injury liability insurance. The entire text of the bill can be read here. Under the present system, all privately owned vehicles in Florida are required to have personal injury protection insurance, also known as “no-fault insurance.” Rather than making at-fault drivers pay for the damages they cause, no-fault insurance pays a portion of the medical bills of the…

Read More

Florida Car Insurance Explained

By | Blog | No Comments

There are seven basic kinds of car insurance in Florida: 1) personal injury protection (PIP), 2) property damage liability (PD), 3) bodily injury liability (BI), 4) uninsured motorist (UM), 5) medical payments coverage, 6) collision coverage, and 7) comprehensive coverage.  Each kind of insurance is designed to cover different things.  PIP, bodily injury liability, uninsured motorist, and medical payments coverage are designed to pay for injuries and lost wages.  PD, collision, and comprehensive are designed to pay for damage to property.  Only PIP and PD are required by Florida law. Personal injury protection (PIP) insurance is designed to pay for personal…

Read More