The fine is for Claims related compaints from all types of sources. Universal can pay or fight and we believe they will fight it and they have 21 days to decide. Time will tell, but Universal is still a large Florida based  Carrier that writes a lot of business and is committed to Florida. I assume when the dust settles all will be ok,but till then please enjoy the Full article. Please call  L & S at 1-888-244-7400 for quotes on Home, Auto, Flood, Business & Commercial and Life Insurance as well.