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Car Accidents Archives



What is Full Coverage?

Many of our potential clients who have been in a car accident are under the impression that their insurance agent sold them "full coverage". What is full coverage? Most client's believe that full coverage means they have any and all available types of insurance to protect them from being sued and/or from injuries they may sustain in a car accident. Unfortunately, this is a misconception. Current Florida law only requires operators of motor vehicles to carry (1)property damage insurance (PD) and (2) personal injury protection benefits (PIP). Some insurance agents misrepresent the two described benefits as "full coverage". When in fact, "full coverage" would include (3) liability insurance (BI) and (4) uninsured or under-insured motorist coverage (UM or UIM). Don't be fooled. Ask you insurance agent to explain what could happen to you if you fail to carry liability and uninsured motorist coverage. A few of the possible consequences include you having to take money out of your own pocket to settle a potential claim or the possibility that you will be left with large medical bills with no means of paying those bills. If you have been involved in a car accident and you are interested in learning more about what type of insurance you carry, contact us at 863-LAWS (5297).


Whether you have been injured in a rear-end car accident in Fort Walton Beach, Niceville, Destin, Crestview, or any other city in Okaloosa County or the State of Florida, there is a rebuttable presumption that the negligence of the rear-driver was the sole cause of the accident. This is not an absolute holding. Florida law presumes that the rear-driver was negligent unless that driver provides a substantial and reasonable explanation as to why he/she was not negligent. Don't be surprised if the insurance adjuster representing the rear-driver accuses you of suddenly stopping without warning. The insurance company will attempt to use the sudden stop reasoning as a defense to the presumed negligence of its insured. Don't take any chances, if you have been involved in a rear-end accident contact attorneys Dennis and Paul Brannon in Fort Walton Beach, Florida to discuss your claim for personal injuries. 

Father And Son Team Working Together To Serve Our Clients

Our legal team consists of attorney Wm. Dennis Brannon and his son C. Paul Brannon. We work together as a father and son team to provide our clients with exceptional service and solutions in motor vehicle accident claims and other personal injury matters.

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Fort Walton Beach
975 Mar Walt Drive
Fort Walton Beach, FL 32547

Phone: 850-659-2252
Fax: 850-864-4526
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544 US Highway 90 East
Defuniak Springs, FL 32433

Phone: 850-659-2252
Fax: 850-864-4526
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Destin, FL 32541

Phone: 850-842-2573
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