Michael Dean Smith Sr. and his son Michael Dean Smith Jr. face racketeering and fraud accusations.

Just Toys Classic Cars Orlando Florida – Overview

Jeff Szak had a nagging question for years: would the folks who sold his automobile ever be charged with stealing his money?

Finally, his inquiries were answered this month.

Now in Brief

After more and more customers came forward, each recounting the same story, WFTV’s Action 9 team returned to the drama surrounding Just Toys Classic Cars and its owners, Mike and J.R. Smith.

They brought their historical, often expensive cars to Just Toys to be sold and signed contracts promising 60-day payments.

They claimed the time had passed, but no money had arrived.

Some vehicles vanished, having been sold to customers outside the United States, where the trail was more challenging to track.

Authorities closed Just Toys in 2019, three years after the first recorded theft, but the Smiths were permitted to continue living their lives.

just toys classic cars orlando florida
just toys classic cars orlando florida

However, mountains of evidence piled up behind the scenes.

In early April, both the father and the son were arrested and charged with Grand Theft.

Over three years, detectives alleged they stole money from 20 separate consumers. Smith’s workers provided some of the proof.

“It’s ultimately relief, not only for me but for the other people involved in the case,” Szak said, describing the journey as long and frustrating.

just toys classic cars orlando florida
just toys classic cars orlando florida

Szak expressed interest in testifying in the case, echoing the other claimed victims contacted by Eyewitness News.

However, he had no idea if he’d ever see the $14,000 he owed, which was a pittance compared to the other cars in the case.

just toys classic cars orlando florida

Find Out: Know What Auto Insurance Covers and What It Doesn’t.

What is Auto insurance, and how does it work?

just toys classic cars orlando florida
just toys classic cars orlando florida

Many states provide basic personal auto insurance, which offers financial security in an accident.

Is it, however, sufficient? What are your choices? Learn about auto insurance and the various available forms of coverage.

Why Is Auto Insurance Important?

just toys classic cars orlando florida
just toys classic cars orlando florida

But in the condition of robbery or accident, auto insurance is a deal between you and the insurance provider that covers you financially. 

The insurance agent promises to cover the damages outlined in the contract in return for you paying a premium.

The following items are covered by Insurance:

  • Theft or the Damage of your car is an example of property.
  • Liability refers to a person’s moral obligation to another in the event of physical harm or property loss.
  • Medical expenses include the costs of treating accidents, rehabilitation, lost wages, and funeral expenses.

Many states in the  United States provide basic personal auto insurance, but the laws differ. 

Individually priced auto insurance allows you to choose the amount of coverage to meet your specific demands and budget.

Reversible policies usually are given for six months or a year.

The insurance company will send you a message when it’s time to change your approach and pay your charge.

Here is the primary characteristic of Auto Insurance:

just toys classic cars orlando florida,auto insurance
just toys classic cars orlando florida
  • Car insurance is designed to protect you financially if you are in an accident or if your vehicle is damaged.
  • The majority of states mandate that you have at least liability Insurance; some also require additional coverage, such as uninsured motorist coverage.
  • Premiums are the amounts you pay monthly, biannually, or yearly to keep your car insurance policy in force, whereas deductibles are the amounts you pay when you file a claim.
  • Search for the best car insurance rates to get the right coverage for your vehicle at the best price.

Who is protected by my Auto Insurance policy, and under what conditions?

just toys classic cars orlando florida,auto insurance
just toys classic cars orlando florida,

Your auto insurance will protect you and other family members whether you’re driving your car or someone else’s (with their permission).

Your policy also covers you if you permit someone who isn’t on your approach to driving your car.

If you’re commuting to work, shopping, or taking a vacation, your auto policy includes personal driving. 

But if you use your vehicle for commercial purposes, such as delivering pizzas, it will not offer security.

Also, if you use your vehicle to offer transportation to others through a ride-sharing service like Uber or Lyft, your auto insurance will not protect you.

However, several auto insurers are also offering (at an extra cost) supplemental insurance plans that expand coverage to car owners that provide ride-sharing services.

Is Auto Insurance a legal requirement?

just toys classic cars orlando florida,auto insurance
just toys classic cars orlando florida

State-by-state auto insurance provisions differ. 

If you’re looking for a car loan, the lender can have additional conditions. 

Majority of state mandates that car owners have:

  1. Bodily accident coverage covers the expenses of accidents or deaths caused by you or another driver while driving your vehicle.
  2. Property damage insurance- covers damage to another vehicle or piece of property damage caused by you or another driver in your cars, such as a fence, house, or utility pole.

Furthermore, several states order that you carry:

Hospital premiums, also known as personal injury prevention (PIP), are a type of Insurance that repays you for medical costs incurred by you or your passengers. 

It would also cover missed salaries and other costs associated with the situation.

Uninsured motorist coverage compensates you if an accident is caused by a driver who does not have car insurance or if a hit-and-run occurs.

You can also purchase underinsured motorist coverage, which will reimburse you for expenses incurred if another driver doesn’t have the required insurance to cover the payments of a significant accident.

Even if your state makes personal injury protection (PIP) and uninsured motorist coverage optional, consider adding them to your policy for added financial security.

What are the most popular forms of Auto Insurance Coverage?

just toys classic cars orlando florida,auto insurance
just toys classic cars orlando florida

While most general, legally required auto insurance covers damage caused by your vehicle, it does not cover damage to your car.

Consider the following optional coverage for your car:

  1. When you’re at fault, crash insurance pays for Damage to your vehicle caused by a collision with another vehicle or another obstacle (such as a tree or guardrail). Although crash coverage does not cover mechanical failure or normal wear and tear, it covers damage caused by potholes or rolling your vehicle.
  2. When you’re at fault, crash insurance pays for Damage to your car caused by a collision with another vehicle or another obstacle (such as a tree or guardrail). Although crash coverage does not cover mechanical failure or normal wear and tear, it covers damage caused by potholes or rolling your vehicle.
  3. When you’re at fault, crash insurance pays for Damage to your car caused by a collision with another vehicle or another obstacle (such as a tree or guardrail). Although crash coverage does not cover mechanical failure or normal wear and tear, it covers damage caused by potholes or rolling your vehicle.

Not sure what gap insurance is?

Collision and complete insurance cover the market value of your vehicle, not the price you paid for it, and new cars depreciate rapidly. 

If it is totaled or stolen, there could be a “gap” between what you owe on the vehicle and your insurance policy.

To cover the difference, you may want to consider buying gap insurance. 

Gap coverage is usually bundled into the lease payments for leased vehicles.

Note: Inquire with your insurance provider about ways to reduce your auto insurance premiums, such as obtaining a safe driving discount or enrolling in a defensive driving course.

ALSO, FIND| Cheap Car Insurance In Texas For 2022!

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