Florida/Georgia Personal Injury & Workers Compensation

...Lemy and Hill cannot establish that the underwriters and Direct General sold either finance agreement in violation of Section 627.8405. The motions (Docs. 4, 18, 20, 21, 22) to dismiss are GRANTED, and this action is DISMISSED WITH PREJUDICE. The clerk is directed to terminate each pending motion and close the case. Section 624.124 allows a person to sell "prepaid legal services” "related to the ownership, operation, use, or maintenance of a motor vehicle” without thereby becoming an insurer subject to the insurance code. Lemy and Hill argue that Section 624.124 exempts the legal cost coverage in each policy from regulation under the insurance code. As Lemy and Hill state elsewhere, "Section 627.8405, however, mentions insurance 'products not regulated under the provisions of the code.” (emphasis added by Lemy and Hill) Section 624.124 exempts a person from the insurance code (most prominently, the code’s licensing requirements), but the section never exempts the product the person sells.