We reverse and remand for a determination of Thompson’s out-of-pocket expenses, on the authority of Chapman v. Dillon, 415 So.2d 12 (Fla. 1982) and Iowa National Mutual Insurance Co. v. Worthy, 447 So.2d 998 (Fla. 5th DCA 1984). We have reviewed the other allegations of error, and find they are without merit.