Dellutri Law Group - January 2020

1436 Royal Palm Square Blvd. Fort Myers, FL 33919 4851 Tamiami Trail North, Ste. 229 Naples, FL 34103 3841 Tamiami Trail Port Charlotte, FL 33952 4830 West Kennedy Blvd., Ste. 600 Tampa, FL 33609 37 North Orange Avenue, Ste. 500 Orlando, FL 32801


January 2020





Attorneys for Personal Injury, Bankruptcy, Foreclosure Defense, and More!


In 2019, I had to tell too many of my clients there wasn’t adequate insurance available to compensate them in their car accident cases. This should be a rare occurrence because it means the other driver involved in the crash was underinsured or uninsured. However, in Florida, we have an epidemic of inadequately insured motorists. This problem has caused a lot of heartbreak, which is why my biggest piece of advice for you going into the new year is this: Protect yourself and your family by purchasing uninsured motorist (UM) coverage. In my experience, around 65% of the people on the road in the State of Florida either have no insurance or are significantly underinsured. That means every time you get into your car, you’re rolling the dice on not only whether you’ll be in a crash, but whether the other driver will have insurance to compensate you for your pain and suffering if you’re injured — and the odds aren’t in your favor. UM coverage is the best form of auto insurance coverage in Florida, but it isn’t recommended by most insurance companies. That’s because insurance companies know about the epidemic of uninsured drivers, and they don’t want to pay the price for the uninsured driver’s negligence. Still, UM coverage is out there, and the smartest move you

can make to protect your family in 2020 is to buy as much of it as you can afford (in Florida, you can even stack your coverage for increased protection). I know many great insurance agents who offer it to all of their clients. Honestly, the worst part of my job is telling someone who has a $100,000 personal injury case that there’s only $10,000 of insurance available to cover their expenses. Just a few days ago, I had to break that news to a client, and he was furious when he realized he’d have to live the rest of his life in pain. I understand that anger — I’m angry, too. I’m sick and tired of good, honest, hardworking people getting the shaft by uninsured negligent drivers when all they’re trying to do is get to work and come home safely. The worst part is that the Florida legislature has done nothing to stop it. It’s enough to make you wonder how many politicians in Tallahassee are in the pockets of the insurance companies? Answer: Too Many. Because of my line of work, I have an advantage when it comes to knowing which safety measures to take to protect my family. I carry an abundance of auto insurance, and I drive a big pickup to make sure I even the odds in any collision. But not everyone has those advantages, and to be frank, the Florida system is setting

all of us up to fail. Uninsured drivers make the roads unsafe for everyone — and don’t even get me started on the texters and the drunks. This month, please make a New Year’s resolution to demand UM insurance from your carrier to protect your family, no matter the cost. Take it from me: Seeing your loved ones live out the year safe, happy, and pain-free is worth any expense. If you have already been in an accident and are facing a tough personal injury case, you know who to call.

–Carmen Dellutri

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