Is Bodily Injury Liability Required in Florida? Not to Register, but Often After a Crash
Florida doesn't require bodily injury liability to register a car, but Chapter 324 does after an at-fault injury crash, a judgment or a DUI. Limits and risks.
Insurance Learning Center — page 4
Plain-English explanations of home, auto and Medicare rules in Washington and Florida: what the law requires, what policies usually cover, and what to check before you choose. Educational only; no products are offered on these pages.
Florida Homeowners Insurance Cancellation Law: Notice Periods, Post-Storm Limits and Your Options
Florida insurers must give 120 days' notice to nonrenew or cancel a home policy. What s. 627.4133 allows, post-claim limits, refunds and what to do next.
Medicare Dental Coverage: What Original Medicare Pays For (and What It Doesn't)
Original Medicare excludes routine dental by law. The exceptions CMS added 2023-2025, what Medigap and Apple Health cover, and what to check in Washington.
Medicare Hospice Coverage: Who Qualifies, What It Pays, and What Families Pay in Florida
How Medicare's hospice benefit works: the 6-month rule, benefit periods, $5 drug copays, 5% respite, room and board, revoking, and Florida Medicaid help.
Washington Automobile Insurance Plan: How Assigned-Risk Auto Coverage Works
Washington's assigned-risk auto plan covers drivers who can't get insurance elsewhere: the law behind it, who it's for, SR-22s, cancellation rules and options.
Florida Condo Insurance Requirements: Master Policy, HO-6, Milestone Inspections and Assessments
What Florida law makes the condo association insure, what falls to owners, the $2,000 loss assessment rule, and how milestone and SIRS laws drive assessments.
FR-44 in Florida: DUI Insurance Limits, How Long, and What It Takes to Reinstate
Florida's FR-44 requires 100/300/50 liability after a DUI, kept 3 years from reinstatement. Who needs it, fees, interlock, lapses, and SR-22 vs FR-44.
IRMAA Life-Changing Event: How to Lower Your Medicare Premium With Form SSA-44
The eight events Social Security accepts to lower IRMAA, what doesn't count, the documents SSA-44 needs, filing and timing rules, and the 2026 brackets.
Medicare Skilled Nursing Facility Coverage: The 3-Day Rule, 100 Days and What You Pay in 2026
Medicare covers up to 100 SNF days after a 3-day inpatient stay. Observation days, the $217 daily coinsurance, discharge appeals and Washington help.
Renters Insurance in Washington State: Coverage, Cost and Landlord Rules
What renters insurance covers in Washington, what it excludes, the $162 NAIC average premium, and what RCW 59.18 says about landlords and renters insurance.
Washington Statute of Limitations for Car Accidents: 3 Years, and the Exceptions That Matter
Washington gives you 3 years to sue after a car accident (RCW 4.16.080). Government claims, minors, wrongful death, UIM and IFCA deadlines explained.
Florida Crash Report: When You Must Call Police, the 10-Day Self-Report and How to Get a Copy
Florida's crash report rules: call police for injury or $2,000+ damage, file a self-report within 10 days, the 60-day privacy rule, and $10 copies from FLHSMV.
Florida Insurance Guaranty Association (FIGA): Limits, Deadlines and the Assessment
What FIGA pays when a Florida home insurer fails: $300,000 per claim, $200,000 more for structure and contents, key deadlines, and the end of the 1% surcharge.
How to Apply for Medicare in Washington State: A Step-by-Step Guide
Who is enrolled automatically, the three ways to apply with Social Security, what to have ready, the CMS-40B and L564 forms, and SHIBA help in Washington.
Medicare and COBRA: The Part B Trap Florida Retirees Need to Know
COBRA doesn't extend your 8-month Part B window. Who pays first, when COBRA ends at Medicare, spouse rules, Part D and Medigap timing, and Florida's mini-COBRA.
Does Homeowners Insurance Cover Tree Damage? A Washington Windstorm Guide
When a tree falls on a Washington house, garage, fence or car, which policy pays, the $1,000 tree removal cap, a neighbor's tree, and the new claim deadlines.
Washington State Auto Insurance Cancellation Laws: Notice, Reasons and Refunds
Washington auto insurers owe 20 days' notice to cancel or nonrenew (10 for nonpayment), and after 60 days can cancel for only two reasons. Refunds and lapses.
Florida 4-Point Inspection: What Insurers Check, How Long It's Good For and Who Can Sign
A Florida 4-point inspection covers roof, electrical, plumbing and HVAC. When insurers require one, Citizens' rules, how long reports last and who can sign.
Medicare General Enrollment Period: Jan 1 to Mar 31, 2027, and What It Costs to Miss It
Missed Part B at 65? The General Enrollment Period runs Jan 1 to Mar 31, 2027. When coverage starts, the 10% penalty, plan deadlines and Washington help.
Medicare Initial Enrollment Period: Your 7-Month Window and When Coverage Starts
The 7-month Medicare Initial Enrollment Period month by month: when Part B starts for each sign-up month, the birthday-on-the-1st rule, and Medigap timing.