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A funny player’s manual for driving in Spring Hill and Brooksville, plus the real Florida car accident rules on PIP, the 14 day deadline, comparative fault, and the two year statute of limitations.
A factual explainer. Updated September 4, 2026. A Note Before We Begin Few criminal cases in recent memory have generated the emotion this one has. Three young children are dead. Their mother is the person charged. The defense raised is one that many people find...
Because your real car does not have nineteen gears, a stunt coordinator, or Vin Diesel whispering “family” while the adjuster calls. The Fast & Furious movies have taught us many things: a Pontiac Fiero can apparently survive reentry, a runway can be roughly the...
Our final exhibit is not a document. It is a phrase, and it is the most expensive one in a Florida injury claim: reasonable and necessary. Everyone agrees reasonable and necessary medical expenses should be paid. Nobody agrees what that means. Here is the anatomy of a...
Our second exhibit is a paragraph. It sits in the uninsured motorist section of a standard Florida auto policy, runs about forty words, and has ended more Florida injury claims than any jury in the state. It goes by several names. The household exclusion. The family...
Welcome to the Fine Print Museum. Please do not touch the exhibits, although in fairness nobody ever has. Our first piece is a single sheet of paper, signed at an agent’s desk or clicked through on a website by a person thinking about the monthly premium and nothing...
A remarkable number of Floridians believe that a parking lot is a lawless commons where fault does not attach, insurance does not apply, and everyone simply exchanges hostile eye contact and drives home. This belief is held with real conviction, usually by the person...
There is a moment familiar to every Florida driver. Something is in the road. It is large, pale and rectangular, and your brain spends a quarter second deciding that yes, that is a mattress, before your hands make a decision your brain was not consulted on. Nobody...
Picture it, because Florida makes you picture it eventually. You are northbound on the Suncoast Parkway at 70 miles an hour, past the Citrus County line, and there is an emu in the center lane. Not a deer. An emu. Six feet of prehistoric confidence, standing in...
The offer is not an assessment of your injury. It is an assessment of your file, and the difference is where the money lives. An adjuster with two claims involving identical herniations at C5 and C6 will value them wildly differently based on things that have nothing...
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