The Critical Importance of Obtaining “UM” Car Insurance

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This is a subject I’ve written about before and it’s time to do it again: If you do not have uninsured motorist protection (“UM”) on your policy of car insurance you are potentially placing yourself and your family in a position of financial jeopardy. I know insurance is complicated and with car insurance policies you’re sometimes buying up to five or six separate types of insurance. While all insurance coverages have merit, UM will protect you and your family if you’re injured in a car Read More +

Is Driving with a Hands-Free Cell Phone Really Safer Than Holding a Cell Phone?

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In a word: No. If there are degrees of danger, driving while reaching for your cell phone or dialing your phone while driving or texting on your cell phone is very dangerous. People die every day when their eyes are diverted off the road and end up in some hideous crash. And as we know in Florida you can get a citation while driving and texting. But a common belief is, if I’m in my car on my cell phone but talking through a blue-tooth Read More +

My Catastrophic Case

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My Catastrophic Case
Imagine driving an 18 wheeler pulling a tankful of pool chemicals on I-75 southbound to Miami. It’s 3 a.m. because you hate driving in daytime traffic, and if you timed it right, you’ll arrive in Miami at dawn. Of course, it’s dark except for the street lights disbursed along the highway – and traffic is very light given the hour. As you approach a lane merging onto 75 near Ft. Myers, you see the vague outline of……..is that a mini-van without its lights on? In Read More +