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Author Archives: Mark Sessums

UM Coverage—To Stack or Not to Stack?

Although you are not required to carry UM insurance, we recommend you purchase as much as you can afford. Florida law does not require an at-fault driver to carry bodily injury liability (BIL) coverage-so without UM insurance, the coverage available to you is limited to your own PIP policy, and/or your health insurance coverage, if any. […]

What Are My Policy Limits?

After an auto accident, you may be asked, “What are your policy limits?” To answer this question—you will need to know the different types of policies, and who is covered under each policy type. First, in the State of Florida, the minimum amount of coverage a driver must have to maintain a valid Florida Driver’s […]

Settlement Negotiations

Auto accidents are a fact of life. In fact, according to the National Highway Traffic Association 2,346,000 people are injured each year in the U.S. due to auto accidents. In the aftermath of a collision, much confusion exists for the injured person. Not only must the injured person deal with what could be a devastating […]

Texting and Driving Is Worse Than Drinking and Driving

A study confirms that texting while driving is one of the most dangerous cell phone tasks. Car and Driver Magazine conducted an experiment which showed that the reaction time of a driver attempting to brake is worse while sending and reading text messages than that of a driver impaired by alcohol. According to the article, one […]

Florida Accident Prevention

Thousands of automobile accidents occur in Florida every year.  Many are preventable or involve preventable injuries.   Because many drivers on the opposite side of the yellow line are texting; reading e-mails; impaired by drugs or alcohol or anger; or simply inattentive—we all need to be hyper-vigilant.  In Florida, if we are not careful, we can […]

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