This info is from my personal experience. Do not rely on it for medical advice. I could have company's names wrong, do not rely on a person with not one bit of official medical info, only personal experience from my point of view.
some insurance companies arae not your good neighbors. This photo was taken the day my ins co of 28 yaars hauled a 28 yr local crt reporter into trial. Even after winning x almost 7 times the amt of uninsured motorist coverage I had, they still REFUSED to pay the verdict. I could not take it any longer and accepted MUCHMUCHMUCH less - paid expensive costs, a neurosurgeon cost 2700+ an hour to bring in. They brought in one doc from unknown, out of country school, not even an neurologist. Tried to say N/O shoulder pain meant NO SHOULDER PAIN when those in the med field know N/O means "patient in office" Shoulder pain and then MVA was motor vehicle accident. Check out www.FBIC.com
or look for bad faith insurance co - they list the good and bad from their points of view, since so many of us are in accidents with little coverage for accident. IN FL, you have to pay the health ins company back! Yes, plus, non paying spouses cannot get license to drive; if they won't pay that, they probably will drive with NO INS. GET high limits and do not accept that you do not need it as you have health ins as they want subrogation in FL.