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Crystal River Florida Legal Blog

A new law could change your Florida car insurance

Your car insurance bill is one that you may dread paying, but when you are involved in a car accident you are thankful that you have the insurance in place. An important question is whether you have enough insurance to cover the medical bills and expenses that can come with an accident.

The discussion of adequate insurance coverage has prompted Florida lawmakers to reconsider the types of auto insurance coverage currently required in The Sunshine State. Current laws require minimum amounts of bodily injury protection, property damage coverage and personal injury protection.

Here's what you should know about the changes that lawmakers are currently considering.

3 safety features that could put drivers in danger

Motor vehicles are safer today than ever before. They have stronger frames, crash avoidance technology, and materials engineered to keep passengers safer even in a collision. That said, these advancements are not perfect. They cannot prevent every crash, and in some cases, they can actually cause or contribute to an accident.

What happens to my student loans after I die?

Going to college has rapidly become more expensive. Along with the higher price tag, students take on substantially more debt to finance their education. While the low payments on student loans are somewhat manageable as you climb the ladder of success, it also takes a long time for those large balances to work down to zero.

The impact of student debt is affecting a large portion of our population with many people carrying student debt into their 40s, 50s, and beyond. In today's world, due to the increased expense of a college education many people may be considering estate plans for the benefit of their families while they are still paying off student loan debt.

What is a holographic will and is it valid in Florida?

No matter how old you are, writing a will seems like something you can put off until "later". While you may have good intentions about what you want to leave to your loved ones, it could be difficult to actually complete the task.

Movies and TV shows sometimes depict a person scribbling out a will at the very last moment. The reality is that drafting a will by hand, on your death bed or otherwise, is not a practical option. In Florida, your will (and other important estate planning documents) must meet certain requirements. 

The yellow light dilemma

It can happen at the most unsuspecting intersections. You are driving towards an intersection and the light suddenly changes from green to yellow. You must quickly decide between making an abrupt stop or trying to get through the intersection before the light changes to red.

Neither option is ideal. An abrupt stop means the person behind you may not be able to stop as fast and a rear-end collision could be the result. On the other hand, trying to beat the light could cause an accident from a different angle or receiving a traffic ticket.

When is someone too old to drive?

Watching a parent age can be a very difficult thing for adult children. When mom and dad aren't quite as alert or agile as they once were, loved ones may start to wonder if it is still safe for them to drive.

As we all know, driving gives people a sense of freedom and independence. The question remains: is there a point when driving becomes dangerous for an older adult?

Dying with outstanding debt

It is becoming more common not only to continuously acquire debt over a lifetime, but to be in the position where you know your debt will outlive you. While many have envisioned leaving significant assets for loved ones, more people now have debts they may not be able to pay off completely.

As you develop your estate plan, it is important to have a realistic perspective of what assets you will be able to pass on to your loved ones, and which ones are not yet yours to give away.

Some cars' pedestrian detection systems may not work well

Last year, an estimated 6,283 pedestrians were killed by vehicles in the U.S. It was the highest number of pedestrian deaths since 1990.

To address the issue, many carmakers are introducing new safety features, including pedestrian detection systems. These systems typically work through windshield cameras and radar sensors mounted on the front grill. Ideally, the systems would notice and respond to pedestrians in a variety of situations during both daylight and nighttime hours. 

Grandparents: Protecting your grandchildren on the road

Many grandparents play an active role in their grandchildren's lives. Some may take care of the grandkids every day while their parents are at work; others may step in to babysit whenever they can. Whether you see your grandchildren frequently or not, you want to be sure they are safe.

This can be especially important if you drive with your grandchildren in the car. To keep your grandkids safe when you are on the road, you should take the following precautions.

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