By Joe Capers With Spring Break and Summer around the corner, a lot of us locals (and our guests) will be out in our golf carts. You might even want to purchase one. Just remember, as there are different kinds of golf carts, which you’ll discover when you go to the dealership and start looking at them, there’s also different types of insurance coverage depending on your vehicle. Let’s shed some light on the differences, coverages and when you need what. To begin with, there are two main ‘uses’ for golf carts/LSVs. Either personal or business/commercial. When your golf cart or LSV is used by you and your direct family members only, that’s considered personal use. If you have a rental condo, for instance, and include a golf cart for your renter’s use, that makes it business/commercial. So, you’re wondering, what’s the big deal? Let’s start with personal use and the two types – golf carts and LSVs. Golf carts are usually electric and have a maximum speed of about 15 mph and are designed to be used on your property or within the community your home is located, and back and forth to the golf course. They aren’t tagged or registered for driving on the street like your car. Some home or condo policies might include minimal golf cart coverage with an endorsement, but this won’t give you everything you need and is not recommended. A separate golf cart policy would give you the best coverage. Next, there... Read More

  RIP Medical Debt Collaborates with Panhandle Resident Ryan “Jume” Jumonville to Spread Love RIP Medical Debt and Ryan “Jume” Jumonville, announced a new agreement today that will eliminate $100,000,000 of patient medical debt for Floridians. Beginning in May, the lucky Sunshine State residents benefiting from this gift will be receiving letters notifying them that some or all of their medical bills are now “paid in full”. This medical debt was abolished as a charitable act; eliminating any potential tax consequences for recipients. Medical expenses are the leading cause of bankruptcy in the U.S. “It’s so difficult for families to overcome health problems, only to face financial hardships from the related medical bills,” says Jumonville. This gift was inspired by a very personal experience. “I recently lost my niece Claire. She battled Cystic Fibrosis her entire life and spent much of that time in hospitals. I’m making this gift in her honor as no one could spread love quite like her,” Jumonville shared. RIP Medical Debt is a not-for-profit, national charity that raises funds from donors and uses those funds to acquire and abolish medical debt. Since inception in 2014 nearly $8.5 billion of medical debt has been abolished, helping more than 5.5m people. Medical debt often results from unplanned, unexpected illnesses and accidents. About one-third of U.S. adults have difficulty covering unexpected health care bills. RIP Medical Debt is committed to relieving people of the burden of medical debt to enhance their economic opportunities and to enable them to... Read More