Politically, socially, and economically, the United States is in a state of constant flux. Health care is evolving; politicians come and go; and technology progresses almost in the blink of an eye. What have remained constant, however, are car accidents, particularly in Florida, which has the third-highest traffic fatality rate in the country. It is therefore critical for each driver in Florida to purchase uninsured/underinsured insurance (UM) coverage.

In light of the statistics and inordinately high numbers of auto accidents and pedestrian deaths caused by reckless drivers throughout the Tampa Bay area, the public is well served by the recent efforts by Tampa and St. Petersburg to make major intersections safer by installing cameras. Another way to dramatically reduce traffic congestion as well as improve the safety of Tampa Bay area roads and highways is through public transit, particularly in the form of light rail.