Here's what Danielle sees every week: families devastated by accidents who discover—too late—that their insurance coverage has dangerous gaps.
Without adequate uninsured motorist (UM) coverage on your own policy, you're stuck with your own bills.
The minimum $10,000 bodily injury coverage in Florida barely covers an ambulance ride. Serious injuries cost hundreds of thousands.
Many families don't have medical payments coverage, rental car coverage, or umbrella policies that could protect them.
Families with multiple vehicles often don't realize they're not getting the coverage multiplication they could have.
These gaps cost families tens of thousands—sometimes hundreds of thousands—of dollars. And they only discover them at the worst possible moment.
The Auto Coverage Concierge exists because Danielle believes families deserve protection before accidents happen—not just advocacy after.
No other personal injury firm in South Florida offers this. Most attorneys wait for accidents to bring in clients. Danielle believes in helping families protect themselves proactively.
This isn't insurance sales. Danielle doesn't sell policies and earns no commissions. This is attorney-level analysis of your coverage—identifying gaps and providing recommendations you can take to any insurance agent.
This guide explains the coverage types every Florida family should understand:
Plus: Questions to ask your insurance agent and red flags that indicate coverage gaps.
Want personalized analysis? The premium Auto Coverage Concierge review provides:
A clear, visual breakdown of exactly what coverage you have—and what you don't. No more guessing what your policy actually says.
Specific identification of coverage gaps that could leave your family vulnerable. Not generic warnings—specific problems with your specific policy.
Three tiers of coverage recommendations based on your situation. You decide what level of protection makes sense for your family and budget.
Exactly what to say when you call your insurance agent to make changes. No awkward conversations or confusing back-and-forth.
If you'd like a referral to an independent insurance agent who can implement the recommendations, Danielle can provide one. (No commissions—just a trusted professional.)
Submit your current auto insurance declarations page through our secure portal. This document summarizes your coverage—you can usually find it in your insurance app or by calling your agent.
Within 48 hours, Danielle personally reviews your policy, identifies gaps, and prepares your personalized Coverage Map and recommendations.
You'll receive a clear, easy-to-understand report with everything you need to optimize your coverage—including the exact script to use with your agent.
Take the recommendations to your current agent, shop around for better rates, or use our trusted agent referral. The choice is yours.
You're hit by a driver with no insurance. Your injuries require surgery and months of physical therapy. Total medical bills: $85,000.
Your own policy pays your bills and compensates you for pain and suffering.
You're left with mountains of debt, trying to sue someone who has no assets.
The minimum $10,000 bodily injury coverage in Florida barely covers an ambulance ride. Serious injuries cost hundreds of thousands.
They'd have access to $300,000 in coverage. Same premium. Triple the protection.
Your PIP coverage runs out quickly after an accident. You're waiting for the personal injury settlement to cover ongoing treatment—but that takes months or years.
You have additional funds to cover treatment while your case is pending.
You either go into debt or delay treatment that could help your recovery.
Danielle Kushel is not an insurance agent. She doesn't sell policies, earn commissions, or have any financial relationship with insurance companies.
This is attorney analysis. Danielle reviews your coverage as an attorney who sees the consequences of coverage gaps every day—and provides recommendations based on that experience.
You make the decisions. The Auto Coverage Concierge provides information and recommendations. What you do with that information is entirely up to you.
No attorney-client relationship. Using the Auto Coverage Concierge does not create an attorney-client relationship unless you later hire Danielle to represent you in a legal matter.
2-3 minute video covering: why she created this service, what families typically miss, and how the service works.
Protection starts before you need it. Get your free guide today—or get a professional review and know exactly where you stand.
Every case begins with a conversation. Tell us what happened, and we'll let you know how we can help. No pressure, no obligation—just honest answers about your situation.
