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John Michael Phillips
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John Phillips’s Legal Guides

165 total


  • First Steps to Take After You Have Been in A Car Accident

    You have been in an automobile wreck, now what? The insurance company for the person that caused the wreck isn't on your side and YOUR OWN insurance company may not be either. Both are businesses and you are now are someone seeking money from their business. Every $100 per claim ...

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  • Claims Against a Government Entity in Florida are Limited

    Its called sovereign immunity. It is based on the English common concept that the government cannot be sued because "the king can do no wrong." But it's not just the king. The king's immunity -- or impunity, as the case may be -- stretches to the palace and the grounds, to the gu...

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  • What is "Full Coverage" Insurance? Most people thingk they have it when they do not.

    So you think you have "Full Coverage?" You probably do not. The only types of insurance coverage required by law of every owner of a motor vehicle registered in Florida are Personal Injury Protection ("PIP") (which covers up to $10,000, minus deductible, in medical bills and l...

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  • Four Tactics Insurance Companies Use to Make Millions and Scam You

    hink of it this way. There is an automobile wreck in this country every few seconds. For those that have property damage or injury, the insurance companies will have to pay the claim. For every few dollars they save in each wreck, it adds up to millions of dollars. Below are four...

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  • Tips to BEST Put up a Legal Umbrella to Protect You and Your Interests

    There are 5 to 10 things every person can do to protect themselves from trouble down the road. Most people talk to a lawyer when it is simply too late. The attorney is cleaning up messes, which inevitably will take longer (and cost more) than if simple steps were taken to prevent...

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  • What happens to your online accounts, iPhone apps and your digital fingerprint when you die?

    In 2005, a college student was killed in a motorcycle accident. His grieving mother, yearning to feel closer to her son, wanted to use his Facebook page. More than just seeing the site, she wanted to see his correspondence, to read his messages, in hopes of understanding her so...

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  • What is Tort Reform and how bad was the McDonald’s Case?

    Tort Reform is the movement to limit the amount of money the injured can receive in a lawsuit. It is based on a perception that litigation is out of control. The McDonalds Coffee Case is the most cited example of how out of control things supposedly are. I have several Million ...

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  • Why you need a “Living Will” or Medical Directive

    An Advance Directive, Medical Directive or Living Will is a legal document in which you specify your health care wishes should you become unable to speak for yourself, such as in cases of a head injury, dementia, a coma or some other incapacitating injury or disease. These direct...

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  • Weather effects traffic wrecks more than you think. Slow down.

    In an older study, but still very true published by the American Institute of Physics and Ivanhoe Broadcast News, researchers and statisticians found that 24% of all crashes occur during adverse weather conditions, including ice, snow, and rain. The research showed that most driv...

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  • Traffic Tickets- How Radar Detectors Get it Wrong

    In the early 1970s, the national maximum speed limit was reduced due to oil and gas shortages. Sometime thereafter, the first radar detector was invented. Since then, the battle between police an speedsters has led to technological advances. In January of 1994, The National Highw...

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