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Work with a Brandon Auto Insurance Agency, Even if You Don’t Use Pot

A few months from now, Floridians will decide the fate of Amendment Two: a legislation that would finally legalize medical marijuana in the state. Although the Senate is due to convene in November, the proposed bill has already driven a wedge between the people, with opponents pointing out that any form of marijuana can lead to higher cases of drugged driving and fatal crashes in Florida. However, a Tampa Bay Times article by Joshua Gillin dated August 10, 2014 says that this assertion isn’t entirely true:



There is often no universally accepted threshold of impairment for illicit drugs, the White House report says. There also is some question as to whether the specific presence of cannabinoids, including the main psychoactive chemical component, tetrahydrocannabinol, is an accurate indicator of impairment.

The NHTSA states, "It is difficult to establish a relationship between a person's THC blood or plasma concentration and performance impairing effects." That's in part because cannabinoids linger in a person's system long after they've ingested the drug.



In other words, there’s no evidence (yet) suggesting that “pot” users have a greater need for auto insurance than other people. At present, the state only allows a very limited distribution of medical marijuana, after the ‘CBD Bill’ was signed on June 16, 2014. Perhaps a better- and more accurate- assertion is that regardless of Amendment Two being passed or not, everyone in Florida needs to have a reliable auto insurance policy. Romero Insurance & Financial Services, a reputable Brandon insurance agency that also serves residents of Lithia, Valrico, Riverview, and Tampa, can assist motorists in finding an insurance package that suits them best.

This is important because Florida is a no-fault state for auto insurance. In other words, anyone involved in a car accident, even if it’s caused by a drugged driver, must turn to their respective insurance companies for compensation. This type of arrangement has its own pros and cons; on one hand, the injured party is guaranteed to receive compensation, but on the other hand, the party at-fault is under no obligation to pay them either.

Aware of the limitations of Florida’s motor-vehicle no-fault laws, the state government encourages people to obtain additional coverage for their insurance policies. In addition to the mandatory Personal Injury Protection coverage and Property Damage Liability coverage, Floridians can also obtain Bodily Injury Liability, Uninsured Motorist, and other insurance packages to supplement their own policy. Experts on auto insurance in Brandon and elsewhere can be consulted to determine which of these optional packages are viable. 

Only time will tell if a separate insurance policy against drugged driving is needed in the state. People would have to wait until November, 2014 for that.

(Source: PolitiFact Florida: Fact-checking link between marijuana and fatal car crashes, Tampa Bay Times, August 10, 2014)

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Romero Insurance & Financial Services
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