Articles Posted in Automobile Insurance


Disney is the largest employer in the Central Florida area. As part of its entertainment empire, Disney owns and operates many vehicles in and around the Orlando area. Recently, Disney enacted a rule for its employees – “No Texting While Drivng.” While this is not a Florida law on the books, Disney is taking a good step towards better safety by putting this rule in place. Texting While Driving is plain dangerous and absolutely leads to driver distraction which, in turn, leads to serious automobile accidents, bus accidents, and van accidents. Many serious personal injuries and accidents can be avoided by eliminating driver distraction at all times possible. Texting While Driving is a smart move for Disney and any other company that is thinking about the safety of the passengers, other drivers on the road, bicyclist, and pedestrians. You can read more about this story at
>Disney Bans Employees from Texting While Drivin


Jacksonville, Florida ranks high in a disturbing category – hit and run accidents. Despite being the 7th most populated city in the State of Florida, Jacksonville, Florida is ranked 3rd according to hit and run statistics. It is not a category or recognition that the City wants to be known for. Unfortunately, many hit and run accidents take place when a driver is under the influence or has no insurance. The simple solution after an accident is to flee the scene rather than take legal or moral responsibility for the resulting damages, personal injuries, and / or possible criminal sanctions. You can read more about this story at Jacksonville, Florida Third in the State for Hit and Run Automobile Accidents.

The U.S. News & World Report released a state-by-state study on America’s Worst Drivers.

Florida ranked 43rd. While Idaho ranked #1, New Jersey bowed out as last year’s worst, making way for New York. GMAC Insurance’s 2009 National Drivers Test tested 5,000 drivers in each state, evaluating their basic knowledge of driving laws. Alarmingly, over 20% of America’s drivers could not pass the written driver’s test. That’s about 41 million drivers from sea to shining sea who don’t know the meaning of a yellow light or how to calculate a safe following distance.

The study shows a direct correlation between increasing age and improved test scores. In other words, there’s a reason why your teenager’s insurance premiums are through the roof.

CarAccident.jpgAutomobile accidents and related injuries continue to be a daily problem in Jacksonville, Florida and other cities and towns. The Department of Motor Vehicles is one agency that reports and keeps track of automobile accidents and related injuries. 2004 statistics were reported that there were 14,116 accidents in 2004. This calculates to 38 accidents every day.

Even after decades of research to design safer vehicles, people frequently are injured in motor vehicle accidents / collisions. To be exact, there were 10,455 traffic accident injuries in 2004. Here’s a summary of Duval County’s crash data:

Alcohol Related Traffic Accidents – 1,245

DrunkDriving.jpgThe Florida Highway Patrol takes drunk driving in Jacksonville, Florida and other Florida towns and cities very seriously, saying that it is one of the most deadly crimes. Their motto is “Over the Limit, Under Arrest.” If you get pulled over on suspicion of drunk driving, a breathalyzer and / or field sobriety tests will help officers determine if you are over the legal limit. Drivers found to be drunk face jail time, losing their driver’s licenses, higher insurance rates, and many other expenses.

The Florida Highway Patrol has released some tips so that drivers can determine their own limit before getting behind the wheel. For example, they would like to remind people that one drink is the equivalent of .54 ounces of pure alcohol; that is the amount found in one ounce of 100 proof liquor, twelve ounces of beer, or four to five ounces of wine. Also, it does not take many drinks for the average person to reach the legal limit of .080 blood alcohol content. A 120 pound woman would very likely be well over the limit after consuming three drinks in one hour. A 180 pound man would be over the limit after four drinks in the same time period.

Driving under the influence of drugs or alcohol (DUI) is no joke. It can be harmful or even fatal both for the driver himself and for innocent victims on the road with him. Drivers are urged to contact the Florida Highway Patrol by cell phone at *FHP (*347) to report any dangerous driving behavior. Callers may be anonymous.


Parents and homeowners in Florida should properly supervise children in their homes against the dangers of alcohol and drug use. The health, safety, and welfare of children and teens depend on the good judgment of parents. In St. Johns, Florida, the St. Johns County Sheriff’s Office recently arrested Diane Katz Santarelli for allegations regarding a house party involving teen alcohol, marijuana, and nitrous oxide consumption. Following one such party, Jessy Pitts (age 18) and Taylor Brennan (age 17) were killed when Pitts crashed into another vehicle on Florida State Road 13. Santarelli has been charged with manslaughter and other crimes. It is unusual for such a case to be pursued and there are many facts and circumstances that will be challenged or questioned by a criminal defense attorney on this case. Regardless of the outcome of this criminal case, parents and homeowners should be good role models for children. Having parties filled with alcohol and drugs along with underage adults and children consuming the same can only lead to trouble, personal injuries, death, and, in some cases, criminal charges. You can read more about this story at Teen Deaths in St. Johns Car Accident Lead to Criminal Charges Against Parent of Party.


Teens these days can be quite advanced in what they know and what they do. However, many teens, while loaded with knowledge, often lack good judgment. This especially applies to drinking and driving. It is well know that alcohol impairs judgment and motor skills. When you combine impaired judgment with poor judgment to begin with, you have a most dangerous combination. Because of this, there are alarming statistics out there on teen drinking and driving. Prevention and education are key to making the streets safer for our children. Teens often drive under the influence because they believe that they are invincible. They also drive and do not ask for help for fear of punishment or retribution by parents. While parents should not encourage or accept a teen who drinks alcohol, parents at time need to let their children know that safety is paramount to everything else. If your teen or a friend of your teen needs a ride or assistance, make sure that your child knows that you will be there day or night for a ride. It is far preferable to pick up your child from a party or a friend’s house late at night than an emergency room or morgue / medical examiner’s office later. You can read more about the problems of teen drinking and driving at Teenage Drunk Driving Risks.


Gabriel Delrisco caused an accident that killed three children. Delrisco was arrested for DUI after he was released from a hospital. His blood alcohol level was .239 which is approximately three times the legal limit. Mr. Delrisco’s driving record was terrible. It has been reported that he had 26 previous driving citations and one prior DUI in 2001. A judge held Mr. Delrisco without bond until trial when the judge determined that Mr. Delrisco was a danger to the community. Mr. Delrisco rearended a vehicle occupied by the Serrano family that was stopped a red light. A candlelight ceremony was recently held in Homestead, Florida for the Serrano family. The family deserves the support of the community. It is certainly a tragedy that the Serrano family is mourning the death of three children who died as a result of the careless, reckless acts of a drunk driver. You can read more about this story at Miami, Florida Man Charged with DUI for the Deaths of Three Children.

aircraft%20airplane%20instrument%20panel.jpgA tragic accident recently took place in Leon County, Tallahassee, Florida. A small private plane was taking off from a private runway when it crashed into a Jeep vehicle that was driving alongside the single engine plane. After the Jeep was struck by the aircraft / airplane, the Jeep crashed into a tree. There were two people in the Jeep who died as a result of the crash. The Federal Aviation Administration (FAA) will conduct an investigation into this crash. Authorities and investigators will evaluate various issues including but not limited to the following:

What was the layout and size of the runway?

Did the pilot have a license?


The death of a child is an unnatural event for any parent or caregiver. A parent should not have to plan for or deal with the death of any children whether the death is due to an illness, medical condition, natural disaster, medical malpractice, or negligence of a driver, person or business. Parents typically do not out live their children. Unfortunately, for many families in Florida and other States, a parent must arrange for the funeral of a child. In addition to the stress and sorrow, there are costs involved with the funeral and final arrangements for a child. I found a helpful web site that covers topics of costs for a funeral as the costs can be quite high and burdensome for families. In addition, especially when dealing with the sudden, unexpected death of a child, the family has had no opportunity to plan, financially or otherwise, for the death of a children. Whether you are a parent dealing with a funeral for a child or other family member or you are a close relative or family friend trying to help someone going through this ordeal, you may find helpful advice at

Some automobile insurance policies pay out a death benefit when a person dies as a result of an automobile accident. There are other types of insurance policies that also provide similar benefits. Dealing with the grief and sorrow of the death of a child is certainly difficult. When there are unexpected and high costs involved, it only worsens the situation. As such, it is important to get some help from family, friends, advisors, and, in some cases, attorneys / lawyers when dealing with all of the demands, stresses, and problems associated with the death of a child.

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