Linh is a respiratory therapist on the night shift in Jacksonville. She bought full coverage for her old hatchback, The Biscuit, at $112 a month. The papers never came. Then, at 3:12 a.m., while her hospital badge log shows she was in an ICU, an electronic signature rejected her comprehensive coverage. In her name. Every month the $112 kept leaving her account. When a storm flooded The Biscuit to the dashboard, her claim was denied because she "rejected" the coverage. The company in our story was First Acceptance (allegedly).

Linh is a character in our story. The 12 barriers she hit are real Florida law. Here is what any Florida driver faces when an insurance company cheats them:

1. An electronic signature counts if it was "the act of the person," so the whole fight becomes who clicked, and you have to prove it wasn't you.
2. Money you pay on your own is usually yours to lose. A payment made without knowing the facts isn't "voluntary," but proving what you didn't know is your job.
3. You can't sue the other driver's insurance company until you first win a settlement or verdict against the driver.
4. Before you can sue for bad faith, you must give 60 days' written notice. If the company pays or fixes it in that time, you can't sue at all.
5. In 2023, Florida repealed the law that made insurers pay your lawyer's fees when you win. A fight over an $8,600 car can now cost more than the car.
6. Found more than 50 percent at fault for your own harm? You get nothing. Zero.
7. The deadline to sue for most negligence cases was cut from 4 years to 2. Miss it, and the case is gone, no matter how strong.
8. Turn down a lowball offer, win at least 25 percent less at trial, and you can owe the other side's lawyer fees.
9. Florida enforces written arbitration agreements, which means no courtroom. A judge decides whether the agreement exists, so you must prove the forgery first.
10. "You had a duty to read it." Florida's Supreme Court says you can't escape a contract just because you signed without reading. That rule assumes you signed.
11. "You kept paying, so you approved it." But approving takes full knowledge, and proving what you didn't know is on you.
12. Even when a jury is furious, punitive damages are capped at 3 times actual damages or $500,000, whichever is greater.

The one thing Florida got right: you can sue your own insurance company for bad faith. After the 60-day notice. With no guaranteed fees. But the door exists. One out of thirteen.

WE ASK GOV. DESANTIS, CFO INGOGLIA AND THE FLORIDA LEGISLATURE TO:

1. Put the burden of proof on the company when a customer says "that's not my signature," and count proof like a hospital badge log.
2. Let drivers go straight to the at-fault driver's insurer, without first winning a case against the driver.
3. End the 60-day wait and the "fix it and you can't sue" trap when a claim is denied on a forged form.
4. Bring back fee recovery for policyholders who win against their own insurer.
5. Restore the 4-year deadline for negligence cases, and end the rule that shuts out anyone found 51 percent at fault.
6. Stop the offer-of-judgment fee trap and forced arbitration for everyday drivers, and make sure every driver gets a real copy of the policy.
7. Lift the punishment cap when a company profits from a forgery.

This isn't one bad agent. It's a system that makes fighting back too expensive for working people. Florida law should protect drivers when their insurance is a lie.

Linh isn't real. These Florida laws are VERY real. Sign this petition, then call your lawmakers: every Florida lawmaker's number is free at the link in bio (https://linktr.ee/thepeoplehavespoken1

We are watching how you vote.