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September 2024
Representing Accident Victims Throughout Florida For Over Four Decades
Don’t Drive Without It The Importance of Uninsured Motorist Coverage in Florida
It seems to be an ongoing theme that insurance companies increase premiums while decreasing the level of coverage and quality of service they provide to their policyholders. Premiums are increased to the tune of 10%–25% per year. This is especially true in Florida. According to the Insurance Research Council, insurance in Florida is about 30% more expensive than the national average. Insurers like to blame fraud and bad actors for raising rates, but the likes of Allstate, Progressive, Travelers, and State Farm are raking in billions in profits each year. They are supposed to prioritize the protection of their policyholders over their own financial gain. However, within our law practice we see insurance companies repeatedly placing their own financial gains over the protection of their insureds. These high rates have disastrous consequences. Florida has one of the highest rates of uninsured motorists in the country, at around 6%. This means that more than 1 million of the 16 million motorists in the state are uninsured, according to the Department of Highway Safety and Motor Vehicles. This is why Uninsured Motorist coverage (UM coverage) is not just a luxury in our state, but rather a necessity that I highly recommend all of Florida’s motorists get. Personal Injury Protection Insurance (PIP) Florida motorists must have a minimum of $10,000 in Personal Injury Protection insurance (PIP). The way PIP works is that if you have the minimum amount required, and you are in a motor vehicle accident — whether it is your fault or not, so long as it stems from the use of your automobile — your PIP will pay for 80% of your medical bills up to $10,000, or 60% of your lost wages up to $10,000, or some combination thereof. However, except for the money PIP pays in lost wages, it goes to your medical providers. It does not cover pain and suffering, or inconvenience. Bodily Injury Coverage (BI) One of the non-mandatory insurance coverages you can get in Florida is Bodily Injury coverage (BI). BI provides coverage in the instance that you are at fault in a car accident and somebody in the other vehicle is injured. The injured party can make a claim against your BI insurance up to the limits of that coverage. BI covers out- of-pocket medical expenses and can be used to compensate for mental anguish, pain and suffering, and other types of intangibles of the injured party. This coverage helps people in the other car and protects your assets. If you have the money to spend, BI is a
worthwhile policy coverage to purchase. It is also required in order for you to purchase Uninsured Motorist Coverage. Uninsured Motorist Coverage (UM) Due in part to the amount of uninsured and underinsured motorists in Florida, it is my opinion that everyone in Florida should have UM coverage. UM is a insurance coverage that, while non-mandatory, can actually provide money in response to injuries, as well as pain and suffering, sustained in a car accident with an uninsured or underinsured motorist. For example, let’s say you were rear-ended by an uninsured driver, and require physical therapy and medical procedures for back pain that cost a total of $40,000. Your PIP would pay the first $10,000 in medical bills to the medical providers. The other $30,000 you would have to pay yourself. However, if you have, say, $100,000 in UM, you can make a claim against your own insurance company and demand the full $100,000. Then, in theory, assuming the insurance company pays the $100,000, these funds can be used to satisfy the outstanding medical bills, and the remaining $60,000 could be for your pain and suffering, aggravation, inconvenience, and continued medical care. UM is the policy that actually helps protect you and gets you the compensation you need in the event of an accident caused by someone else who is uninsured or underinsured. While you may think that the cheapest coverage is all you need, I would seriously recommend that you add on UM coverage. It’s better to have it there to protect you than to wish you had it after you are involved in an accident.
www.SSWlawfl.com | 1 -Ryan Wynne
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These Financial Tips Still Work!
LIFE LESSONS FROM THE GREAT DEPRESSION
and more help people earn enough to make ends meet. If all else fails, be open to moving to a cheaper area, like some families chose to do during the 1930s. Get in the Kitchen The cost of dining out continues to rise, meaning cooking at home is an easy and fun way to save money and connect with your family. Even if you lack culinary skills, you can find many inexpensive and satisfying Depression-era recipes online or in your grandmother’s recipe box. Not everyone enjoys cooking, but knowing your way around a kitchen will dramatically decrease your monthly food bill. Don’t Replace — Repair! What do you usually do when an appliance breaks down? Do you call someone to repair it or just get a new one? Both options are costly, and neither were feasible during the Great Depression. What did they do back
then? They fixed it themselves — a practice that’s even easier in modern times thanks to the internet. YouTube is an excellent resource for DIY tutorials for various products, and you can often find step-by- step instructions for specific models! Watch Those Pennies A famous quote during the Great Depression is still relevant even after more than eight decades. It goes, “If you watch your pennies, the dollars will take care of themselves.” In other words, spare change adds up. Whether you’re putting away 20 bucks or 20 cents, it’ll add up to big savings in time. During the Great Depression, people came together to support their communities, knowing there was strength in numbers, especially regarding survival. Despite being so far in the past, you can leverage the wisdom of the era to climb toward a brighter financial future tomorrow.
Breadlines, tent cities, people struggling to find work — the Great Depression was a national struggle. Reflecting on this historic time offers invaluable lessons on survival, community building, and resilience. What can we learn from such a tumultuous period? Let’s explore four enduring life lessons from this era. Be Flexible Adaptability is critical to surviving tough times. If and when those situations arise, learning to live within our means is crucial, which requires a lot of flexibility. During the Great Depression, people knew odd jobs were better than no job at all, and these days, several apps like Uber, Instacart,
AMERICA’S MOST BIZARRE LEGAL RELICS LAWS GONE WILD!
Get married in Texas by publicly announcing yourselves as husband and wife three times. Make it legal with three public announcements, even if only one spouse is present for the proclamation. The requirement states that both parties must be willing participants, over 18, and unrelated. All cats in New Jersey must wear three bells to alert birds of their whereabouts. Outdoor cats are notoriously dangerous to the local wildlife populations, and Cresskill, New Jersey, decided they needed a law to protect feathery friends from their greatest foes. We’re not sure the cats are on board with this rule. If you’re caught flirting in New York, you could pay a $25 fine. In the early 1900s, flirting was such an issue that cities held an annual Anti-Flirt Week. This law aimed to help women feel safer on
Thanks to our country’s perpetually in flux judicial system, countless laws are still on the books that echo times long gone. They’re outdated and absurd, often leaving citizens wondering, “What necessitated that rule?” Let’s look at some bizarre laws from across the U.S. (even if no one enforces them)! If you’re in Wyoming, avoid tattooing any horses. This law was made to stop people from making horses unrecognizable to their owners. Apparently, that was a big enough issue back in the day that it needed to be codified. Don’t tie your giraffe to a telephone pole or streetlamp in Georgia. Isn’t it embarrassing when there’s nowhere to tie up the family giraffe on a quick errand? Wait, what? Don’t tie that long-necked beauty to the wrong anchor point in Atlanta. It’s believed this rule was enacted to prevent animal abuse, but it is unclear why lawmakers got so specific.
the streets by diminishing catcalling from passing motorists. Reportedly, a second offense would require the offender to wear horse blinders in public! While these laws may seem silly, no one enforces them anymore — even though they’re still on the books. Instead of holding any weight, they offer a glimpse into the concerns of our forefathers. The next time you encounter a strange law in your town, take a moment to ponder the history; you never know what you might learn about the place you call home.
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Baby showers are entertaining, but nesting parties are fun and functional! This viral trend has been all over social media for good reason! Essentially, you invite over friends and work together to tackle tasks for the baby’s arrival. If this sounds like a good idea, here are four tips to keep your nesting party productive and enjoyable. Make a list of tasks and gather supplies beforehand. Does the nursery need to be painted or decorated? Does furniture need to be assembled? Do you have equipment that needs to be installed or tested? What about sanitizing bottles, washing and folding baby clothes or linens, and organizing the baby’s room? Figure out the priority tasks, then collect all the necessary supplies to complete the jobs at the party. Carefully select your guest list. Who is the most helpful amongst your inner circle? If you have friends notorious for hiding when a chore comes up, they probably wouldn’t be a good guest for your nesting party. But don’t invite too many people! As the saying goes, “Too many cooks in the kitchen spoil the soup.” Delegate jobs based on individual strengths. As guests arrive, dole out tasks based on their strengths. Is your cousin great at organizing? Put them in charge of the baby’s room. Is your bestie an excellent cook? Have them work on meal prepping some freezer options for those post-partum days when you need to fuel your recovery but don’t have the energy to feed yourself. Is your brother a gym rat? Assign him to rearrange furniture and other tasks requiring muscle. Aligning the tasks with everyone’s preferences or skills keeps frustrations to a minimum so you can enjoy this time with your loved ones. Keep it simple. Order takeout from a favorite local spot, provide beverages, and use disposable options for tableware. Remember, while fun is sure to be a byproduct of spending time with loved ones, the goal is to be productive, so the more manageable the party is to clean up and take down, the better. Skip the Baby Shower — Throw a Nesting Party! This Viral Trend Spotlights a Mom’s Needs
TAKE A BREAK
PERFECT PEACH COBBLER
Ingredients
• 2 tsp baking powder • 1/2 tsp salt • 1/2 cup cold butter, cut into pieces • 1/2 cup milk • 2 tbsp butter, melted
• 6 cups sliced fresh peaches • 1/2 cup granulated sugar • 2 tbsp all-purpose flour • 1/4 tsp ground cinnamon • 1/4 tsp ground nutmeg • 2 cups all-purpose flour • 1/3 cup packed brown sugar
Directions 1. Preheat oven to 375 F and grease an 8-inch square baking dish. 2. In a large bowl, combine peaches, sugar, 2 tbsp flour, cinnamon, and nutmeg; mix until blended, then spoon into prepared dish. 3. In a medium bowl, combine 2 cups flour, brown sugar, baking powder, and salt. 4. Cut in butter with forks or pastry knife until mixture resembles coarse crumbs. 5. Add milk and stir until just blended. 6. Drop dough by spoonfuls onto peach mixture and drizzle melted butter on top. 7. Bake for 40–45 minutes or until top is golden brown.
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(561) 686-3400 www.SSWlawfl.com 1015 W. Indiantown Rd. Suite 101A Jupiter, FL 33458
Representing Accident Victims Throughout Florida For Over Four Decades
INSIDE THIS ISSUE
1
Why Uninsured Motorist Coverage Is a Must in Florida
Time-Tested Financial Tips
2
Bizarre Laws That Are STILL on the Books!
Perfect Peach Cobbler
3
What’s a Nesting Party? Plus, How to Throw One!
4
‘Survivor’s’ Erik Huffman Arrested for Domestic Violence
GETTING VOTED OFF THE ISLAND? This ‘Survivor’ Couple’s Marriage Might Be on the Rocks!
Reality star Erik Huffman was arrested for domestic violence charges following an alleged public altercation with his wife, Jaime Dugan, another alum of “Survivor.” The couple met while filming the show in 2007 and have been together since — however, new information hints at trouble in paradise for the pair. According to police reports, authorities responded to reports of a disturbance at a local convenience store in Spartanburg, South Carolina, this past January. They found Huffman, who told officers he was looking for his wife, claiming she had left him in the parking lot after the pair argued. Huffman seemed to imply that his wife might be thinking of harming herself, telling authorities that he wanted to make sure she was safe and medically okay. When police caught up with Dugan and got her side of the story, the plot thickened. According to the police report, she’d discovered while on the way to the store that her husband had a secret second phone, which led to a fight where Huffman broke one of Dugan’s fingernails and left a series of minor scratches on her hands. This incident made her feel unsafe, so she left him and drove away. Officers decided Huffman was the aggressor in the situation and arrested him on domestic violence charges; however, the case was closed the following day.
Married since April 2009, the pair has a child and found common ground in shared values, having both grown up in the South. “We were automatically connected because we grew up in the same town,” said Dugan in 2020. “We felt at peace with each other.” While neither one of them won their season of “Survivor,” Huffman ultimately finished in sixth place. This latest news leaves fans of the show and the couple in limbo as they wait to see how their relationship progresses. Will they be able to repair their marriage? And why does Huffman have a secret phone his wife doesn’t know about? Time will tell whether their union survives.
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