Florida representative for Insurance Information Institute Florida is becoming the "auto insurance fraud capital" with staged accidents, fraudulent claims, and phony medical clinics that bill insurers for phantom treatment.

My neighbor dropped flood coverage this year to shave expenses. Frankly, I'm thinking of doing the same thing.

Insurance losses from the explosion and sinking of the Deepwater Horizon oil well are expected to be the largest ever for global offshore energy insurance and reinsurance markets. As claims mount, the public is saying, "Show us the money."

It doesn't seem fair for me to pay for replacement cost coverage in my homeowners' policy if I only get actual cash value upfront. I paid good money for replacement cost coverage, and I want it now.

If you don't know what you want, that's exactly what you get, and many business owners don't know what they want or need in a Business Owners Policy. This lack of understanding is a gap that must be closed.

My neighbor's home caught fire two years ago after being hit by lightning. Frankly, thunderstorms scare me more than the threat of hurricanes because we have them more often. But I guess there's not much we can do to about it.

"Given Florida's hurricane problem, I can almost understand why our homeowners' insurance costs so much. But what's the deal with our auto insurance rates?"

Policyholders do not understand how the claims process works when the homeowner has less-than-full coverage on his property. It's time for a math lesson.