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Underinsured Drivers

Uninsured and Underinsured Drivers

April 10, 2022 By Travis Giella

Courtesy of iii.org One in eight drivers on U.S. roads was without auto insurance in 2019, according to a report released today by the Insurance Research Council (IRC). At-fault drivers who don’t comply with state insurance requirements raise insurance costs for everyone else. Insured drivers paid more than $13 billion in 2016 (about $78 per insured vehicle) for protection against at-fault drivers who have inadequate coverage for medical costs and property damage they inflict on others. “Keeping auto insurance affordable is more difficult when a significant number of drivers refuse to carry their fair share of the costs,” said David Corum, vice president of the IRC. While countrywide the uninsured motorist rate was 12.6 percent in 2019, these rates varied substantially across states, ranging from 3.1 percent in New Jersey to 29.4 percent in Mississippi. Although the uninsured motorist rate increased only 1.2 percentage points nationwide from 2015-2019, several states …

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Liability Insurance Coverage

Whats Liability Insurance

April 4, 2022 By Travis Giella

Courtesy of iii.org Do you or your business provide professional services or advice to other businesses or individuals? Could your counsel or service lead to losses by your client for which you could be held responsible? If so, you’ll likely want to purchase professional liability insurance, also known as errors and omissions insurance (E&O). Claims not covered by general liability insurance that are covered by professional liability insurance include negligence, misrepresentation, violation of good faith and fair dealing, and inaccurate advice. What types of businesses need professional liability insurance? In some states, professional liability insurance is required, especially for attorneys and doctors. Legal and medical malpractice insurance policies are special types of professional liability insurance. Other professionals that should consider professional liability insurance include: Accountants Architects Engineers Graphic designers Information …

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Work from Home

Facts on Cyber Insurance

March 27, 2022 By Travis Giella

Courtesy of iii.org There’s a road in my town that’s widely regarded as a speed trap. We all know drivers who say they were unfairly stopped and ticketed on it. I’ve never been and, come to think of it, neither has anyone I talk to about it. Maybe it’s because we live in town and “everyone knows” about the trap. Cyber is a relatively new, evolving risk. Insurers manage their exposures, in part, by setting coverage limits and excluding events they don’t want to insure. Sure, people get ticketed. The road is straight and wide, and I guess some feel they should be able to drive faster than the clearly posted speed limit. Or maybe they think the “real” limit is somewhat north of the number posted. Is that really a “speed trap”? I think of this road when I hear people say they don’t buy cyber insurance because “everyone knows” cyber claims don’t get paid. Poster child for “cyber” denial The example on everyone’s lips when this topic comes up is Mondelez International, the …

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Jacksonville Location

Giella Insurance Agency
7855 Argyle Forest Blvd Unit 502
Jacksonville, FL 32244
Phone: (904)-783-3388
Fax: (904)-783-1166

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Giella Insurance Agency
28955 State Road 54
Wesley Chapel, FL 33543
Phone: (813) 782-2915
Fax: (813-783-2226

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