Practice Areas
- Auto, Truck & Motor Vehicle Accidents
- Personal Injury
- Wrongful Death
- Nursing Home Neglect / Abuse
- Product Liability
- Insurance Disputes
- Hurricane Insurance Claim
- Sinkhole Claims
- Commercial Litigation
- Defective Medical Devices
- Asbestos/Mesothelioma
Blog 
Auto, Truck & Motor Vehicle Accidents
- How Do I Know If There Is A Sinkhole On My Property?
- Financial Requirements for Trucking Companies and Truck Drivers
- Addressing “Other” Expenses in Your Florida Truck Accident Claim
- Addressing Your Medical Costs After a Florida Truck Accident
- Aggressive Truck Drivers Endanger the Lives of Florida Drivers
Claims Involving Children
Frequently Asked Questions
Q: Which vehicles are normally covered under an auto insurance liability policy?
A: Named vehicles. An accident in a non-named vehicle is covered only if a named insured (see above) was driving.
Added vehicles. This includes any vehicle with which the named insured replaces the original named vehicle, and any additional vehicle the named insured owns during the policy period (you may be required to notify the company of the new or different vehicle within 30 days after you acquire it).
Temporary vehicles. A temporary vehicle is any vehicle, including a rental vehicle, that substitutes for an insured vehicle that is out of use because it needs repair or service, or has been destroyed.
Lilly, O'Toole & Brown, LLP
Lakeland Office: (863) 683-1111
Bartow Office: (863) 533-5525
Sebring Office: (863) 471-0003
Lake Wales Office: (863) 676-1991
Haines City Office: (863) 422-1282
Wauchula Office: (863) 767-1111
Winter Haven Office (863) 294-8100
Also providing legal assistance to clients from:
Wauchula, Lake Placid, Avon Park, Plant City, Brandon, and Valrico, Florida.
Verdicts / Settlements
Appellate Decisions
Press Releases
Lakeland Office
800 S. Florida Ave.
Lakeland, FL 33801
Phone: (863) 683-1111
Fax: (863) 683-0915
Get Directions
Sebring Office
2154 Lakeview Drive
Sebring, FL 33870
Phone: (863) 471-0003
Fax: (863) 471-2034
Get Directions
Bartow Office
310 E. Main Street
Bartow, FL 33830
Phone: (863) 533-5525
Fax: (863) 533-0505
Get Directions
Lake Wales Office
815 S.R. 60 East
Lake Wales, FL 33853
Phone: (863) 676-1991
Fax: (863) 676-3873
Get Directions
Winter Haven
70 Fourth Street N.W.
Winter Haven, FL 33881
Phone: (863) 294-8100
Get Directions
