Legislators

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February 21, 2012

Legislators in Tall. afraid to raise rates on Citizens Home Insurance even though it is so necessary.

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, FEMA, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Legislators, Rick Scott GOP, Tallahassee | Tags: , , , , , , , , , , , |
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They are billions short if a Hurricane hits this year  and some of the Congressman are finally starting to say, ” we should not be waiting for the Hurricane to hit”. The Insurance  bills are in both the Florida House and Senate, but both have not made it to the floor for even  a vote. Even though Governor Rick Scott has requested this personally, his own party will not oblidge him. Why is this, well the answer is easy. Who wants to vote for huge rate hikes on an election year!!!!!!!!!!!!  They all know we need it and it should happen now, but this will wait till next year for sure. Till then, Citizens will do all it can on a non Lgislative end to try and convince  other’s to simply leave or do not come to Citizens when other options exist. At L & S Insurance in Fort lauderdale we handle all types of Insurance for all of Florida for Home, Auto, Flood, Business & Commercial, and even Life Insurance as well. Please read the full article to see how bad Citizens really is and then call us for help.

http://www.insurancejournal.com/news/southeast/2012/02/21/236301.htm

 

February 20, 2012

PIP reform is stalling because of Special Interest Groups!

Posted by homeinsuranceguru under Auto Insurance, Flood Insurance, Florida, Fort Lauderdale, Legislators, Tallahassee | Tags: , , , , , , |
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The House and Senate versions are so far apart and lots of money is coming in from the Chiropractors, Lawyer’s, MD’s and other’s to help de rail the bill. The current system has so much Fraud in it that reform is so Important, but we will see how much money comes in. The larger the cash funds to campaign Contributions, the less likely for anything to happen as our legislators in Tallahassee may still let it go and perhaps do some band Aids to make a few  people happy. My Guess is that Car Insurance in Fort Lauderdale and all over Florida will continue to rise because of all the Fraud and other issues. Please enjoy the full article below and please call L & S for all of your Home, Auto, Flood, Business & Commercial and even Life Insurance quotes  as well.

http://www.sun-sentinel.com/fl-why-cant-lawmakers-solve-pip-20120219,0,2512325.story

 

 

February 9, 2012

PIP reform and the Florida Insurance Commissioner Kevin McCarty

Posted by homeinsuranceguru under Auto Insurance, Flood Insurance, Tallahassee, Legislators, Fraud, CFO, Rick Scott GOP, Governor, Governor Rick Scott, Florida, Fort Lauderdale | Tags: , , , , , , , , , , |
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Kevin McCarty, Governor Rick Scott and CFO Jeff Atwater all want this to happen. They will not endorse a House or Senate bill yet, but the 2 versions are ready for debate and very differant from each other. The one thing that does hold true is that everyone feels reform is not only necessary, but it will happen in this session.If we do nothing car Insurance rates in Fort Lauderdale, and all over Florida will be much higher and will continue to rise because of all the Fraud. No Legislator in Tallahasee wants this to happen so a bill will come out of this, but no one knows which one. The Senate version is favored by the Lawyers and Chiropractors and the House version is not so you can make up your own mind as If I could  convince you otherwise. Please call L & S Insurance for all of your Home, Auto,CarInsurance, Flood,Business & Commercial and even Life Insurance as well. Please read the full article below;

http://www.insurancejournal.com/news/southeast/2012/02/09/234810.htm

 

 

January 26, 2012

PIP Fraud and the Consumer Action Network.

Posted by homeinsuranceguru under Auto Insurance, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Insurance commissioner, Julie Patel, Legislators, Rick Scott GOP, Sun Sentinal, Tallahassee | Tags: , , , , , , , , , , , , , , |
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In a good article by Julie Patel of the Fort Lauderdale Sun Sentinal, the bill that is now in the Senate version is also being slammed by the CAN.They say that a Primary MD is excluded from the bill which puts the onus on the  ER Md’s and going to the ER is already crazy and takes hours. This could also shift the cost of care from the Autopolicy to the Health Insurance policy which will benefit the Auto  Insurance carriers and their profits.This will be interesting to see the final bill if the Legislators in Tallahassee can actually agree on doing something this session. PIP Fraud is real and is a huge problem, but Tallahassee and the Insurance commissioner have dodged this bullet for many years. Governor Rick Scott wants change and I think we all agree that change is a must, so we shall see. Please read both articles below and please call L & S Insurance for all of your Home, Auto, Flood, Business & Commercial, and even Life Insurance policies.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/01/consumer_group_slams_proposed_1.html

http://www.sun-sentinel.com/business/os-pip-governor-20120126,0,3388335.story

 

January 23, 2012

Florida and Fort Lauderdale w/ PIP coverage updates.

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Home Owners Insurance, Legislators, Sun Sentinal | Tags: , , , , , , , , , , , , |
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The House version was not well liked by many as 72 hours to report a claim was cutting it close. The Senate version seems to be a better version and more likely to pass. Our Florida Legislators in Tall. are busy doing some Insurance bills even if they avoid the citizens Insurance bill which they know would confirm a huge rate hike being necessary, but this is not a good year for it because of elections.If big change is not made Car Insurance rates will be on the rise as well  significantly for the next 3 years or more. PIP Fraud is running rampant w/ more claims then people that visit clinics and more victims in an accident because the police report(If any) does not say how many were in the car. All this and more to come soon,so enjoy the article and please call L & S Insurance for all of your Home,Auto, Flood, Business & Commercial, and even life Insurance quotes.

http://www.sun-sentinel.com/business/fl-pip-qa-20120120,0,3038530.story

 

January 12, 2012

PIP Fraud Clears the 1st Hurdle in Tall.

Posted by homeinsuranceguru under Auto Insurance, Flood Insurance, Florida, Fort Lauderdale, Home Owners Insurance, Legislators, Sun Sentinal, Tallahassee | Tags: , , , , , , , , , , |
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Good news for Auto Insurance rates by next year, but it needs to pas to clean up the mess we have.Please read the article in the Fort Laud. Sun Sentianl.Let’s hope the Lawmakers in Tall. do not take the money from the Lawyers who will try to say the system is fine.That means bribes to the campaign funds. Please call L & S Insurance for Auto, Home, Flood, Business & Commercial and even Life Insurance.

http://www.sun-sentinel.com/business/os-pip-reforms-advanced-20120111,0,6605397.story

 

 

January 4, 2012

Citizens Home Insurance spending to much on legal fees!

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, FEMA, Fort Lauderdale, Home Owners Insurance, Julie Patel, Legislators, Sun Sentinal | Tags: , , , , , , , , , , , , , |
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According to Rep (R) Frank Artiles Citzens is speng to much money fighting claims  and then paying anyway. There are 2 thoughts on this? Pay all claims w/ no fight and everyone knows they can collect more or fight claims you feel should not get paid. Julie Patel of the Fort lauderdale Sun Sentinal cover’s this issue pretty well with no real answers only more questions. The real solution is to make Citizens Go away and let the private sector insure the homes, but we still have many areas that private companies will not accept.Older homes, homes East of I-95 in S. Florida and homes owned as rentals are all eamples of hard to palce policies. Please read the article and see how dificult the situation is getting w/ Citizens and how change is needed. Lawyers(Lawmkaer’s) like Frank Artiles(R) need to deal w/ the real problem and stop worrying about how Insurance companies should defend themselves from Frivoulous claims. Please enjoy the article and call L & S for all of your Home, Auto, Business & Commercial,Flood Insurance w/ FEMA and even Life Insurance as well.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2012/01/miami_lawmaker_citizens_should.html

 

January 3, 2012

Which company is selling Home Insurance in Fort Laud. and S. Florida?

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, Flood Insurance, Florida, Fort Lauderdale, Governor, Governor Rick Scott, Home Owners Insurance, Julie Patel, Legislators, Rick Scott GOP, Sun Sentinal, Tallahassee | Tags: , , , , , , , , |
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The following article by Julie Patel of the Fort Laud. Sun Sentinal  let’s you know who and how many policies they have sold. Obviously, you can see why there is such a problem w/ Citizens Insurance. It is this information w/ other info that tells the Legislators in Tallahasseee and Governor Rick Scott that Citizens must shrink still.The way to shrink is the real issue.  The good news is that L & S represents most of these carriers and can help you get the most competitive quotes for your home. Please also call L & S for Auto, Flood, Business and Commercial coverage as well as Life Insurance too.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/

 

December 28, 2011

Citizens Home Insurance should raise rates study(At FSU in Tallahassee)!

Posted by homeinsuranceguru under Auto Insurance, Citizens Insurance, FEMA, Florida, Fort Lauderdale, Home Owners Insurance, Julie Patel, Legislators, Sun Sentinal | Tags: , , , , , , , , , |
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FSU and it’s short term management study did a revview of  Citizens Insurance.This will be given to Lawmaker’s in Tall. as the new Legislative session begins and it says what we have known for a long time. Julie Patel of the Forrt Lauderdale Sun Sentinal follows this story and reports on it below. The findings are simple. Raise Rates substantially,provide less coverage, Raise  the rates on the Florida Cat Fund,forget affordability and make them fair, stop giving the house away w/ discounts and more. Please read the full article below and see what you think. Please call L & S Insurance for all of your quotes for Home, Auto, Business and Commercial, Flood and even Life Insurance.

http://weblogs.sun-sentinel.com/business/realestate/housekeys/blog/2011/12/fsu_report_citizens_insurance.html

 

December 15, 2011

Flood Insurance(FEMA) extension deadline is Friday 5:00.

Posted by homeinsuranceguru under Auto Insurance, FEMA, Flood Insurance, Florida, Fort Lauderdale, Legislators | Tags: , , , , , , |
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Here we are  still awaiting a  5 year bill and here we are still pasing extensions because this bill has been mixed into other bills w/ no referance and our Legislators in the Nations  Capital are too foolish to pass something as simple as this.  There are 4 scenarios for Friday afternoon. 1-Legislative reform(Not likely) 2- a short term bill till 9/30/ 2012(Possible)  3- another 6 weeks and then likely no real answer still(Most likely) and 4- the bill is turned down and no one can buy Flood Insurance(Through FEMA) or close on a new home(the idiots could do this, but still unlikely). For all of us in Fort Lauderdale and all of Florida, we hope for the best, but we will know by the weekend. Please enjoy the article from  the Independant Agent Magazine and please call L & S INsurance for all of your Auto, Home Flood(Maybe), Business & Commercial and even Life Insurance coverage’s.

http://www.iamagazine.com/NewsViews/2011/December_15/On-the-Hill.aspx

 

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