About Andrew Cassas

THE LAW OFFICES OF ANDREW N. CASSAS, P.A. was established in 1988. Mr. Cassas is a member of the Palm Beach County and South Palm Beach County Bar Associations, Florida Bar, and Federal Bar Association. He is an active member of the Boca Raton AHEPA (American Hellenic Educational Philanthropic Association) Chapter serving as President-elect.

Mr. Cassas is here to help you with your legal needs, and he offers a free consultation to answer your questions and discuss your options. 

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True, we build no bridges. We raise no towers. We construct no engines. We paint no pictures- unless as amateurs for our own amusement. There is little at all we do that the eye of man can see. But we smooth out difficulties; we relieve stress; we correct mistakes; we take up other men's burdens and by our efforts we make possible the peaceful lives of men in a peaceful state. John William Davis – Solicitor General under Pres. Woodrow Wilson, defining the role of lawyers. 

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I was in an accident that wasnt my fault. Now my insurance premiums increased. Why?

See article of interest on next page.

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Articles of Interest

Did your Auto Insurance Carrier raise your premium for an accident that wasn't your fault?

Many times consumers are perplexed as to why they have had their auto insurance rates increased after an accident that was not their fault. In Florida, there are actually some statutory guidelines consumers should be aware of. These guidelines fall under the domain of Fla. Stat. 626.9541. Insurance carriers have specific processes and procedures they are required to follow. 

First, make sure there is an understanding of the difference between a general global 

insurance rate increase and that of an actual surcharge to an individual policy holder. Typically, insurance rates are governed by the Florida Department of Financial Services. When it comes to 

increasing rates on a global basis for an entire class of policy holders, insurance carriers have specific processes and proceduresust hey are required to follow. What we are discussing here are the incidences when an insurance carrier specifically surcharges ( adds an additional extra premium) to a specific policy holder due to an accident. Fla. Sta. 626.9541 indicates that it is, in general, an unfair act or practice to surcharge a policy holder solely because the insured was in an accident, unless the insurer in good faith believes the insured was substantially  at fault in the accident.

Insurance carriers "fault code" each accident for underwriting purposes; hence if an adjuster wrongly indicates an insured is 51% or greater at fault, they may be surcharged. Sometimes carriers, without substantial fault by their policy holder, chose to pay a liability claim just to avoid a complaint or an expensive legal battle. That is indeed their prerogative to do. However, they should not surcharge the policyholder.The insurer, at the time of notice of any surcharge, is required to advise the insured that he, or she, is entitled to reimbursement of the surcharge amount, if the named insured demonstrates that the operator involved in the accident was, in fact, not substantially at fault. Following are the specific conditions, outlined in the statutory language, that are associated with an accident surcharge, that if proven true, allow for a challenge of the surcharge:

(I) Lawfully parked;

(II) Reimbursed by, or on behalf of, a person responsible for the accident or has a judgment 

against such person;

(111) Struck in the rear by another vehicle headed in the same direction and was

not  convicted of a moving traffic violation in connection with the accident;

(IV) Hit by a "hit-and-run" driver, if the accident was reported to the proper authorities within 

24 hours after discovering the accident;

(V) Not convicted of a moving traffic violation in connection with the accident, but the operator 

of the other automobile involved in such accident was convicted of a moving traffic violation;

(VI) Finally adjudicated not to be liable by a court of competent jurisdiction;

(VII) In receipt of a traffic citation which was dismissed or nolle prossed; or

(VIII) Not at fault as evidenced by a written statement from the insured establishing facts demonstrating lack of fault which are not rebutted by information in the insurer's file from which the insurer in good faith determines that the insured was substantially at fault.

These are clear circumstances that, if applicable, are relatively easy to prove. As you can see, 

even if the first 7 conditions do not apply, the insured still has the ability to provide a written 

statement to their insurance carrier outlining why they were not substantially at fault in the 


Here are some key things to remember. The way the law is written places a substantial onus on you, the consumer, to carefully review any premium increase, and to determine if you have in fact been surcharged wrongfully.

Insurance companies can make mistakes when they determine at fault percentages for underwriting purposes. Sadly, many insureds may not have the knowledge to know when 

they have been surcharged, or even if they realize it, they may not be savvy enough to understand how to challenge a wrongful surcharge. Now that you're an educated consumer, don't be afraid to ask questions of your auto insurance carrier and challenge any surcharge that you think is incorrect. 

Last, when a smart insured knows how to approach their carrier with the facts, they can 

successfully prevail in these disputes!

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