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I missed the latest in insurance products, but my friend Gabe Zambrano did not miss it. Insurance company, HomeServe USA, has a fool proof product for you. Well, really its fool proof for them…possibly just foolish for you and me. HomeServe wants to provide you insurance protection for your water […]

Do insurance companies in Florida need a piece of bailout legislation? Florida legislators seem dedicated to providing some legislation this year to deal with fraud occurring in the arena of Personal Injury Protection (PIP) insurance coverage. PIP is a part of required coverage for auto owners in Florida. In the […]

A problem with fraud exists. In New York, officials believe that fraud is a crime and that the criminals perpetrating the crime should be arrested and punished. In Florida, our lawmakers believe that fraud is a crime and that consumers should be punished. So goes the course of a bill […]

Physician: Before I agree to treat you, I need you to sign an arbitration agreement and a limitation of liability agreement. Patient: What are those and why do I need to sign them? Physician: Oh, they are nothing really for you to worry about. They only apply to you if […]

Do you know what “force placed insurance” means? With any luck you will never have to know what it means, but typically it translates to: No control Inflated premiums Very limited coverage Increased mortgage payments Force placed insurance on your home can happen under a number of different circumstances. For […]

This whole “defensive medicine” bandwagon that physicians and their associations have pounced on continues to be a bit of a mystery to me. The argument goes that because physicians are so very afraid of being sued, they order tests that are actually unnecessary. First, I have to wonder if the […]

The new Personal Injury Protection (PIP) legislation being trumpeted by Rick Scott and Kevin McCarty (insurance commissioner) is simply a series of methods to attack a problem by saddling honest consumers with more regulation and less benefit. The claim is that the PIP system is so filled with fraud that […]

It is a part of the Florida Constitution. It seemed fair to patients. With hospitals and doctors claiming the medical negligence problem was over blown, Florida Section 25, “Patients’ right to know about adverse medical incidents”, seemed like a common sense and fair law. Read it. It is not very […]

The passage of the Patient Protection and Affordable Care Act, (often called “Obamacare,” by those who oppose the Act) is leading to a fundamental restructuring of how we Americans pay for our health care. The law itself is long and complex. Here’s a 907 page legal summary, if you’re ready […]

What are “lawyer referral services”? To accurately answer that question in any given case, you must look at something that consumers seldom know – who owns the referral service? Is the service owned by physicians, chiropractors, or physical therapists? Is the referral service simply a handy way to funnel injured […]