I just saved over $400 on my Homeowners Insurance Florida with Alliance and Associates. My agent was very helpful, got me discounts I did not even know about and shopped all the carriers to make sure I was getting the best deal. Thanks Alliance! I will recommend you to everyone.”Joan P.Orlando
My Agent at Alliance and Associates shopped all the Auto and Home Insurance companies to see who gave me the best rate and plan. Alliance’s agents are knowledgeable and very polite. I will put all my insurance’s with Alliance. Thanks for the savings!”John H.Jacksonville
Alliance and Associates is the place to shop for all your insurance needs. I packaged my home and auto together and saved over $300 a year. My agent shopped around and got me the best rate. I would recommend everyone to use Alliance and Associates for finding the best insurance rates.”Mary S.Tampa
Alliance and Associates saved me hundreds on my Workers Comp, General Liability, Group Health and Commercial Auto and Insurance needs. Thanks Alliance. I will be recommending you to all my friends.”Tory H.Orlando
Dear Alliance and Associates, I just wanted to tell you that you have a wonderful employee. Teresa helped me with a policy for a home that we were purchasing for our children. She was so helpful, polite and patient. I actually had inquired from the company that handles our policy but the agent was so rude that I went elsewhere and was fortunate to deal with Teresa. We often hear only the complaints so please make Teresa aware of my thanks to her. I told her I was going to nominate her for “Employee of the Year! Thank you so much.”Sally D.Orlando
Alliance and Associates saved me time and money on my flood insurance florida and my home insurance. I was able to get great rates and call tons of places. I would recommend Alliance to everyone.”Ramona S.Miami
Alliance and Associates saved me over $500 a year on my auto insurance. Plus they were able to get me affordable home insurance and flood insurance to cover all my needs. Thanks to Pearce and all the crew at Alliance and Associates.”David and Eileen L.St. Augustine
I just wanted someone to know how very pleasing it has been dealing with Mr. Winter; he has been a great experience and has follow-thru on all his commits to me. I am a new fan and customer and already have given his name and contact to others, I am certain they will call when their needs require his services.”Joe P.Tampa
I wanted to share something with you regarding Kristal. You have one fine agent in Kristal. I should know, I have trained enough of them and had them work for me over the years. My advice, do whatever you have to do, keep her in your Hierarchy. If she ever decides to go it alone and becomes an Independent Agent and hangs her own shingle out, you’re in trouble. She knows how to turn a prospect into a client. Her people skills and knowledge of the industry are far above most agents. She is so good I thought I had trained her, HA!”Sheldon W.Richmond, VA
And Scott, thank you for your help and guidance through this whole process. I know it’s consumed a lot of time for you; I’m pretty sure mine wasn’t the easiest health insurance application you ever filed and followed to conclusion. You had to work hard for this one and I want you to know my wife and I appreciate it very much. I was in a tough spot and you made a difference. Thank you.”Keith M.Jacksonville
Hello Lisa, I would like to extend my gratitude for your help in my trolling for new homeowners insurance coverage. In case you do not remember me: You congratulated me on my past birthday and I mentioned that I worked on my car. Also, taught me about being able to change insurance companies in mid-stream and they having to return monies owed to be by law. I will be contacting you the first week in December for your help and advise. GREAT customer service. Again, Thank You.”Carlos.Miami
You were willing to take this bull by the horns and run with it when no one else was interested. You have no idea how HAPPY I am right now. I have been fighting this battle for over a month and you came through. You diffidently will be my first contact for any future insurance needs and I WILL refer my friends to you.”Dennis A.Tampa
Dear Lisa, Please allow me to thank you for your outstanding customer service and greatly appreciated help with getting my insurance policy. I have signed the documents on DocuSign and I have attached a copy of the Universal Insurance Declaration page for your review and to forward to Heritage Insurance Company. Please let me know if there is anything else you need from me. I will call Central Mortgage Company to make sure they received the new insurance documents from you. I wish you a lovely weekend”Marian I.South Florida
Very seldom do I take the time to write and speak highly of the level of competence and service I receive, but in this case I was compelled to do so. I first spoke with Summer on a cold call to your office for insurance information and a quote. I reside in Maryland and with having to cover a new home in Florida I was so confused and needed to be educated on the process. Summer was so well versed on Florida insurance requirements and the explanations that not only did I get a good grasp of the requirements I feel like a Florida Insurance expert myself. She was so knowledgeable and so attentive that I knew this was who I wanted representing me and my insurance needs. You can tell when someone has a superior work ethic and loves what they are doing. This was one of my first and last call to shop insurance.
I just thought it was important to let you know that you have a valuable asset with Summer as your employee. I wish all of my dealings would be as congenial and as easy as she made this otherwise tough experience.
Frustrated by a recent court decision temporarily blocking part of Florida’s no-fault auto insurance law reformed last year, state lawmakers are considering scrapping the entire law. Current proposals would reinstate to a tort system and mandate that all drivers purchase bodily injury coverage.
Florida Second Judicial Circuit Court Judge Terry Lewis recently issued a temporary injunction against parts of last year’s personal injury protection (PIP) reforms that limit medical benefits for non-emergency injuries and exclude acupuncturists and massage therapists from treating accident victims.
“If you have been here very long at all we have dealt with this issue every four or five yearswith the view that next time there ain’t going to be any next time,” said Simmons, adding that last year’s reforms were “as good a solution as possible for a system that is bleeding profusely.”
Simmons is proposing that the current no-fault law that calls for drivers to carry $10,000 in PIP coverage be replaced by one that calls for drivers to have $10,000 in property damage and $25,000 in bodily injury coverage per person for a total of $50,000 per occurrence.
Insurance representatives offered tentative support but expressed concerns over pricing and the possible consequences of moving to a tort system.
Michael Carlson, executive director of the Personal Injury Federation of Florida that represents State Farm, Allstate and Progressive, said he still supports last year’s reform effort. However, he said, given the legal challenges and other obstacles to reducing costs it may be time to scrap the PIP system.
“After decades of trying to reform PIP, to drive out the fraud and hold down costs, we may have hit a point of impasse,” said Carlson.
Carlson did suggest to lawmakers that if they press forward with mandatory bodily injury coverage they should allow drivers to purchase a lower level of coverage such as $10,000 per person and $20,000 per occurrence. He said that would allow more flexibility in pricing.
“Let the marketplace speak and let consumers make decisions so we can know what the pricing point should be,” said Carlson.
Medical providers, however, cautioned lawmakers that if they abandon PIP they should require some medical payment coverage to offset the costs of serious injuries.
Florida Hospital Association representative Bill Bell said that 418,000 accident victims are treated in emergency rooms each year and of those 30 percent to 40 percent only have PIP coverage. He said moving to a no-fault system could seriously strain hospitals’ resources since they may have to wait months to be paid.
“If the at-fault driver is not covered there are delays in payment from when doctors treat injuries to when there might be a settlement,” said Bell.
Insurance representatives also said that the repeal of PIP should be accompanied by changes in the state’s bad faith law. Under current law, if an individual disputes a claim, an insurer has 60 days to either pay the claim, resolve the dispute or be open to a bad faith claim. At a minimum, insurers said the same law should be applied to third-party claims.
Florida Association of Justice General Counsel Paul Jess, representing trial lawyers, disputed the argument. He said moving to a tort system does not necessarily mean there will be a flood of bad faith claims.
“We don’t think there is a problem under the current law that needs to be fixed and we don’t think a switch to bodily injury would cause a problem to be fixed,” said Jess.
Despite the concerns over the PIP law, statistics gathered by the Office of Insurance Regulation show that last year’s reforms have indeed lowered PIP rates since they took effect in July 2012.
Looking at the top 25 personal injury auto insurers that represent 80 percent of the market, 10 insurers that represent 42 percent of the market have decreased their PIP rates by at least 10 percent. Another four insurers decreased their rates by less than 10 percent while 7 percent filed for increases.
With the exception of State Farm Mutual — which lowered its PIP rate indication from plus 22 percent to plus 7.9 percent — the other largest insurers in the state filed for decreases in PIP rates. Geico General Insurance Co., Geico Indemnity Co., Progressive American Insurance Co., and Progressive Select Insurance Co., all filed for a 10 percent decrease in their PIP rates.
OIR Director of Property and Casualty Product Review Sandra Starnes said that it is difficult to estimate the impact of eliminating PIP because drivers purchase various amounts of coverage. She added, however, that most drivers already carry bodily injury coverage.
“It appears 90 percent of policies in Florida have bodily injury on them,” said Starnes.
Starnes told lawmakers that based on an analysis of three large non-standard insurers and two standard insurers, if the mandatory bodily limits were set at $10,000 per person and $20,000 per occurrence, non-standard insurers would see rate decreases throughout the state. Standard insurers would only see rate decreases in areas where PIP fraud is prevalent.
If those limits were increased to $25,000 per person and $50,000 per occurrence both the standard and non-standard insurers would only see rate decreases in central Miami, Starnes said.
You were willing to take this bull by the horns and run with it when no one else was interested. You have no idea how HAPPY I am right now. I have been fighting this battle for over a month and you came through. You diffidently will be my first contact for any future insurance needs and I WILL refer my friends to you.”Dennis A. – Tampa
Alliance and Associates saved me hundreds on my Workers Comp, General Liability, Group Health and Commercial Auto and Insurance needs. Thanks Alliance. I will be recommending you to all my friends.Tory H. – Orlando
My Agent at Alliance and Associates shopped all the Auto and Home Insurance companies to see who gave me the best rate and plan. Alliance’s agents are knowledgeable and very polite. I will put all my insurance’s with Alliance. Thanks for the savings!”John H. – Jacksonville
Alliance and Associates is the place to shop for all your insurance needs. I packaged my home and auto together and saved over $300 a year. My agent shopped around and got me the best rate. I would recommend everyone to use Alliance and Associates for finding the best insurance rates.Mary S. – Tampa, FL
I just saved over $400 on my Homeowners Insurance Florida with Alliance and Associates. My agent was very helpful, got me discounts I did not even know about and shopped all the carriers to make sure I was getting the best deal. Thanks Alliance! I will recommend you to everyone.Joan P. – Orlando, FL
You all have access to the most companies and got us the best price on our coverage.Jay Johnston, Jacksonville, Fl