Florida Auto Insurance Laws

The state of Florida mandates that all vehicles with four or more wheels carry auto insurance. Unlike some other states, though, the minimum level of coverage is a bit low.

Floridian drivers must carry at least $10,000 in Personal Injury Protection (PIP). This coverage helps pay for any of your medical bills arising from an automobile accident, even if you were a pedestrian or bicyclist at the time. It also covers the other members of your household and your children while they are riding on a school bus. It even covers any passengers injured in your vehicle that do not own their own car and have their own PIP protection.

Florida is a “No-Fault” state, meaning that your insurance company will pay for your PIP-related expenses, regardless of who was at fault in the accident.

In addition, Floridian drivers must carry $10,000 of Property Damage Liability protection (PDL). This coverage pays up to your coverage level for any property that you destroy while operating a motor vehicle. Note that your own property will not be covered, ensuring that you cannot crash on purpose and cash a nice insurance check.

If your driver’s license has been revoked numerous times, or you are convicted of a DUI charge, you may also need to carry Bodily Injury Liability (BIL) insurance. This protection pays for the medical costs of anyone you injure in an automobile accident. The minimum is “10/20,” meaning that your insurance company will pay $10,000 per injured person, as long as the total does not exceed $20,000. You also have the option of purchasing this coverage, even if you are not required to do so by law.

Many insurance providers offer additional coverage options not mandated by law. For example, comprehensive coverage pays for any damages your car sustains unrelated to an accident, such as vandalism. Collision protection helps fix your car if it is damaged in an accident. While neither is required by law, lenders often require both if you finance your vehicle.

You can also get Uninsured and Underinsured Motorist protection to fill in the gap between what somebody else’s insurance will pay and what you need. Finally, towing and labor insurance is also available in the state.

The penalty for allowing auto insurance to lapse in the state of Florida is the suspension of your driver’s license, plates, and auto registration. You need to provide proof of insurance and pay a fine in order to have the suspension lifted. Your first offense will cost $150, the second $250, and all subsequent offenses $500 each.

If you are injured in an automobile accident in the state of Florida, it is unwise to attempt to navigate the legal process alone. There are many law firms familiar with Florida accident laws that can help you get the money you deserve.

Sources

  1. https://www.dmvflorida.org/auto-insurance/

Andropause and Help from a Compounding Pharmacy

While most men dont experience the same long list of hormonal changes that women do, our compounding pharmacy also provides treatment options specifically customized for hormonal imbalances in men.

Andropause

Men do not undergo the drastic shift in hormones that women do during menopause, but some middle-aged men notice a slower decline in testosterone levels around the age of 40 that is referred to as andropause or male menopause. Testosterone is often associated with libido, and while it definitely has a large effect on sex drive, it also affects the function of the brain, heart, cholesterol levels, and energy levels among many other important bodily functions. When men experience andropause, they often notice a shift in their libido, energy, and happiness. Depression is even common during this stage of a mans life.

Supplements

When men notice a shift in energy and libido, they often try to supplement without the consent or advice of medical professionals in an attempt to maintain their current hormonal balance and feeling of well being. Supplementing without direction can be dangerous and should be avoided. Our compounding pharmacy can provide you with the correct supplements in a dose that is developed just for your needs so you no you are not getting too much or too little of a hormone that could further disrupt your body and mind balance.

Bioidentical Hormone Replacement Therapy from a Compounding Pharmacy

BHRT is often used by our compounding pharmacy for men. Before the replacement therapy takes place, you will undergo tests to ensure you will receive the correct grade and level of hormones and supplements so that the process is entirely safe. BHRT for men undergoing andropause or other hormonal changes will improve the function of the adrenal gland, improve energy levels, balance blood sugar and cholesterol levels, and improve your overall well-being.

Share With Others Like You

While women are more prone to seeking out community and treatments for the symptoms of hormonal imbalances, men often hesitate. You are not alone. Share or comment below to interact with other men who have benefited from supplements and hormonal therapy from our compounding pharmacy.