Litigation advertisements ad nauseum & auto insurance
 

Been here almost a year; the only thing that makes me want to throw up more than Car Shield commercials are the insane amount of accident attorneys asking you to call them for almost any reason whatsoever. So my serious question(s) is/are this:

Is Florida for some reason by state law or statute easier to sue or take people to court for gross amounts of money than other states? I know “it depends” but should I consider increasing liability limits even more outside of what I would normally do for coverage based on assets & such? I’m not scared to drive & have a clean record, but I think about it all the time.

… and for what it’s worth - did everyone else’s car insurance rates go up 10-20% without any claims or driving record infractions for 2022 or is it just me?

Appreciate any considered thoughts, opinions, insights or perspectives!

Respectfully, DB

Regarding your question regarding suing for high amounts, a person can only try to win a judgement based upon the severity of the injuries, unless it a case(such as an egregious DUI) and the attorney pursues you for punitive damages.

I was in the insurance adjusting business and Florida(especially S. Florida) is hightly litigious. Do not know your insurance or your assets. Need to discuss limits with your insurance agent. My insurance went down due to moving to TV. In. S. Florida it was 30% higher.

ambulance chasers.. they are a disgrace to the profession and are the reason for the rates we pay.

I for one don't like the no-fault car accident state.
Some drunk can be at fault in 3 accidents in a month, and it's totally not his fault. :shrug:

As for insurance coverage, get as much as you can afford.

In a wreck, need a check...Spam Newlin. :blahblahblah::blahblahblah::blahblahblah::blahbla hblah::blahblahblah::blahblahblah::blahblahblah::b lahblahblah::blahblahblah:

What about Joe Willie Medicare plans?

As far as this post, both points are related. As far as insurance, you only need insurance if you have wealth, property etc to loose. An attorney will as a first step check the assets of the person, company etc that caused the damages.

We see this regularly. They sue the big pockets.

All insurance, the insurance company uses a loss table to decide chance of a payout. All kinds of strange things affect their risk. Credit score is an interesting one.

In states where the one at fault pays, often it is decided assuming two cars, both had a percentage of the blame say 60-40.

A drunk? Actually, caught driving drunk and your license is automatically suspended. Restored? I don't know how, why etc.

The kid that services our pool recently told me he won’t be our pool technician much longer, he is quitting his job as soon as Dan Newlin gets him his settlement. These friggin ambulance chaser attorneys are driving up our insurance rates and adding to the labor shortage problem.

You are totally scaring the crap out of me! IMA sell my car and just taxi Uber or Lyft from now on. And my golf cart . Way too risky!

they suck

Here is an option. Except for local channels, most other channels are broadcast on UK or Canada channels. Same programs but with their commercials. So you won't see any medicare, lawyer and very few car commercials. I watch the golf channel on UK golf channel and it is so much better. They start with the 1st tee time and continue until the last one. Don't have to change channels half way thru the tournament.

Just a way of showing the “Party” another way of getting FREE������������������…….
Morgan and Morgan is the only one needed!

Last year, my Allstate auto insurance increased by 32 percent with no claims. So, I switched to State Farm and my premium dropped to less than half of the Allstate premium. Go figure. I have very high liability limits on my auto and homeowners insurance. Some insurance companies will not even sell you more than $250K in liability coverage without buying an umbrella policy. Other companies will sell you up to a million. If your liability limit is too low, your insurance company will not even defend you in court. They will just pay off the limit and leave you to defend yourself.

Note that Florida is a state that does not require uninsured motorist insurance. I know that some people will disagree, but I have zero uninsured motorist insurance. It provides no additional liability protection for you, and it is basically redundant with your health insurance. In fact, if you have an accident with uninsured motorist insurance, Medicare and other health insurance become secondary, and they will not pay your health claims until the auto policy pays off. In my opinion, that is one way to save money on auto insurance.

So...a high credit score attracts a lawsuit, with the belief pockets may be deeper?

It's too bad that layers are allowed to advertise here in Florida. On TV, radio, billboards, and newspapers.

We moved here from Oregon. No lawyer ads, only endless mattress commercials morning, noon, and night. 😉