September 14, 2009

Proof of Insurance: Police Setting Up New Kind of Checkpoints

Checkpoint-1.jpg Law enforcement agencies nationwide are strategically combining automobile insurance checkpoints with various sobriety checkpoints. Police like those of the Jacksonville Sheriff's Office will be asking drivers for a valid driver’s license, valid vehicle registration, and proof of insurance.

The problem of uninsured motorists is rampant. Anyone unlucky enough to get hurt in an accident due to the negligent driving of an uninsured motorist may be hung out to dry when it comes to getting medical bills paid. The statistics are scary: approximately 15% of American drivers are uninsured. That's roughly 1 in 7!

As a Magistrate in Traffic Court here in Duval county, as a personal injury attorney, and even as Jo-Anne Yau, just another driver on Jacksonville's roadways, I applaud this new initiative. Accidents happen. They are inevitable. Unless you have five figures in your bank account set aside in case someone is hurt in a car accident, you cannot afford to be uninsured, and you cannot afford to be hit by someone without car insurance.

Wondering how you are protected if you are injured in an auto accident? Contact me, and I will be more than happy to take a look at your car insurance declarations page, and explain to you what benefits you have in the event of an accident. I can also teach you how to protect yourself, in case you are hurt by someone who has no car insurance.

April 7, 2008

Auto Insurance Claims and Your Premiums

An article was recently published, entitled, "Claims That Boost Your Insurance Rates." Although there were tips on filing various claims, including homeowners' insurance, the general advice on whether to file an auto insurance claim after an accident was: "It Depends." Click here for the article. This is because every car insurance company lays out their own terms, and their terms may include raising premiums whenever they cover your claims.


In Florida, if you are involved in a car accident involving injury, death, or property damage, report it to law enforcement. Regardless of whether you are at fault, if you are injured, 80% of your medical bills can be covered by auto insurance. This is available through your PIP (Personal Injury Protection) coverage, and every auto insurance policy in Florida must include this coverage. My law firm assists people every day regarding filing PIP claims; contact us if you need advice or help filing yours.

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