Clearwater, Florida


Scott R. Marshall

AUTO INSURANCE: Bodily Injury (BI) Covers Your Assets, Uninsured Motorist (UM) Covers Your A**

OK, you’ve got PIP, PD, Medical Payments, Collision, Comprehensive, how much Bodily Injury (BI) coverage to you need?  (Don’t remember what all that means?  Click here for Auto Insurance 101). First, you are not currently required to have Bodily Injury […]

Scott R. Marshall

AUTO INSURANCE: No Fault (PIP) vs. Bodily Injury (BI) – The Politics of Mandatory Auto Insurance Coverage

We live in a world where insurance has become a necessary evil.  Why?  In the United States, we do not have true social welfare benefits that take care of you when you can’t take care of yourself.  You have to […]

Scott R. Marshall

AUTO INSURANCE: Florida No Fault Benefits — What Is PIP Coverage and Do We Even Need It?

The debate about auto insurance coverage in the State of Florida is about to get hot. Currently, Floridians are required to carry a minimum of $10,000 in Florida No Fault Benefits, otherwise known as Personal Injury Protection or PIP benefits. […]

Scott R. Marshall

AUTO INSURANCE: Fault or No-Fault, It’s Your Fault if You Don’t Pay Attention to the Legislature

Consumers — that means you — often hear about things going on in state legislatures, but pay little heed until the legislation is passed and its effects are felt (usually in your wallet). Right now the Florida Legislature is considering […]

Scott R. Marshall

Tort Reform – Why You Should Care That The 7th Amendment Is Under Attack

“The only thing we have to fear is fear itself.”  Franklin Delano Roosevelt Fear: the greatest tool of manipulators. When you listen to politicians, pundits, or anyone for that matter, and they are telling you to be afraid, the first […]

Scott R. Marshall

Florida Workers’ Compensation: UNCONSTITUTIONAL! Order highlights importance of judiciary in reigning in runaway legislatures

The Bombshell from Miami-Dade County Circuit Court is no doubt reverberating throughout the halls of Tallahassee this week and will most certainly dominate discussion at the 69th Annual Workers’ Compensation Educational Conference to be hosted this week by the Workers’ Compensation […]

Scott R. Marshall

SELF-EXECUTED — Florida Workers’ Compensation Law

The week before last, I am sitting in the Florida Workers’ Compensation Forum, when one of the speakers quotes a court opinion stating that to require a certain act (irrelevant to this blog) on the part of the insurance carrier […]

Scott R. Marshall

Climate Change Needed in Florida Workers’ Compensation

We need climate change in the State of Florida.  Big time! What kind of climate change you may ask?  Well, I ask you this:  when you think of “workers’ compensation fraud,” what comes to mind?  The “injured” worker collecting a […]