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Automobile Insurance

According to Florida law, if you own a motor vehicle with four or more wheels you must carry $10,000 of personal injury protection insurance (PIP) and a minimum of $10,000 of property damage liability insurance. You may have a deductible of up to $2,000 for PIP coverage and $500 for Property Damage Liability.

Personal injury protection (PIP) insurance covers you regardless of whether you cause an accident (are “at-fault”) — up to the limits of the policy. PIP is designed to reduce the necessity of suing for reimbursement of medical and related bills from auto accidents. PIP pays:

  • 80 percent of reasonable medical expenses
  • 60 percent of lost wages
  • $5,000 for death benefits

For accidents that happen in Florida, PIP covers you and relatives who live in your home, certain passengers, and others who drive your car with your permission. Pedestrians and bicyclists are also covered if they are Florida residents.


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What is Credit Repair Fraud?

Credit repair fraud occurs when companies offer consumers with poor credit the service of cleaning up their credit report for a fee. They typically charge from $50 and up, but often do little or nothing for you before vanishing.

Do promises like these sound familiar?

  • “Credit problems? NO Problem…”
  • “We can ease your bad credit! 100% guaranteed.”
  • “We can remove bankruptcies, judgments, liens, and bad loans from your credit file, FOREVER!”
  • “Create new credit identity-legally!”

Can’t My Credit Be Cleaned Up?

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