STOCK OPTION AGREEMENT
                             ----------------------

         THIS AGREEMENT,  made and entered into as of the _____ day of ________,
2000,  by  and  between  EAUTOCLAIMS.COM,  a  Florida  corporation  (hereinafter
referred to as the  "Company"),  and  ____________________________  (hereinafter
referred to as "Optionee").

                              W I T N E S S E T H:
                              -------------------

     WHEREAS, the Company has adopted a Stock Option Plan for the benefit of the
employees of the Company; and

     WHEREAS,  Optionee  has been  approved  by the  Board of  Directors  of the
Company for the grant of an option under said Plan; and

     WHEREAS, Optionee desires to be granted an option pursuant to said Plan;

     NOW,  THEREFORE,  in  consideration  of the mutual  promises and  covenants
herein  contained,  and in  consideration  of the sum of Ten ($10.00) Dollars in
hand paid,  receipt  whereof is hereby  acknowledged,  the parties hereto hereby
agree as follows:

         1. Grant of Option.  The Company hereby grants to Optionee an option to
acquire the number of shares of the  Company's  common stock subject to exercise
price  and  vesting  schedule  set forth on  Schedule  A, the terms of which are
incorporated herein by reference.

         2.  General  Options.  The  options  shall  have a five (5) year  term.
Optionee is required  to be  employed  at each annual  vesting  date to vest the
options in accordance  with Schedule "A".  Optionee  shall be given  retroactive
credit for prior years of service.


<PAGE>

                  Optionee  may  exercise  his option  pursuant to Schedule A by
written notice to the Company, specifying the intent of the Optionee to exercise
his option,  the date on which he will purchase  such shares,  and the number of
shares  to be  purchased.  Upon the date so  specified,  Optionee  shall pay the
Company the  purchase  price for the number of shares to be so purchased in cash
or cashiers check, and shall sign such investment letter as shall be required by
the Company.  The Company shall forthwith issue to Optionee and deliver to him a
stock certificate or certificates for the number of shares so purchased.  In the
alternative,  Optionee may elect the "cashless  exercise"  provision and receive
the Net Issue Exercise Shares in accordance with Exhibit "A."

         The Company  should not be obligated  to deliver any shares  unless and
until there has been compliance with all applicable securities regulations.

     3. [Reserved]

     4. Adjustments. In the event of any stock dividend,  split-up,  combination
or exchange of shares, recapitalization,  merger, consolidation,  acquisition of
property or stock, separation, reorganization, or the like, the number and class
of shares  subject to this  Agreement  and the option  price  therefor  shall be
proportionately adjusted.

     5.  Non-Transferability  of Options. The option granted hereunder shall not
be  transferable  by Optionee  otherwise than by will or the laws of descent and
distribution,  and may be exercised  during the lifetime of the Optionee only by
him.

     6.  Death or  Termination  of  Employment.

     a. In the event of the death of Optionee while the option granted hereunder
is  outstanding,  such option may be  exercised by the person or persons to whom
Optionee's rights under the option are passed by will or the laws of descent and

<PAGE>

distribution  (including his estate during the period of  administration) at any
time prior to the earlier of (i) the expiration date of the option,  or (ii) the
expiration  of one (1) year after the date of  Optionee's  death (or such longer
period,  not  exceeding  one (1)  additional  year, as the Board of Directors or
Administrative  Committee  may  approve),  to the extent of the  option  granted
hereunder  (whether or not the required  period of employment  after the date of
this Agreement has been completed  prior to the death or date of exercise of the
option).

     In the event the employment by the Company of Optionee shall  terminate for
any reason other than by death under the circumstances set forth in subparagraph
(a) above, the vested but unexercised portion of such option may be exercised by
Optionee at any time prior to the earlier of (i) the  expiration  of the option,
or (ii) the  expiration of ninety (90) days after the date of such  termination,
to the extent  Optionee is entitled to exercise  such option at the date of such
termination.

     b. In the event the  employment  by the Company of Optionee  shall,  in the
opinion  of the  Board  of  Directors  or  Administrative  Committee  have  been
terminated  under  circumstances  which,  in the  opinion  Board  or  Committee,
constitute cause for discharge,  such option,  and all rights to purchase shares
pursuant thereto, except as to shares theretofore purchased pursuant to exercise
of such option, shall forthwith terminate.


     7. Expenses.  The Company shall pay the cost of  documentary  stamps on any
stock issued hereunder.

     8. Amendment and  Termination.  The Company has reserved the right to amend
or terminate at any time the Plan under which this  Agreement is made,  provided

<PAGE>

that any  amendment  or  termination  shall not affect  Optionee's  right to the
benefit of this Agreement.

     9. Counterparts. This Agreement may be executed in several counterparts and
all so executed shall  constitute  one agreement,  binding on all of the parties
hereto,  notwithstanding  that  all of the  parties  are  not  signatory  to the
original or the same counterpart.

     10.  Construction  and  Severability.  This Agreement shall be construed in
accordance  with and  governed  by the laws of the  State  of  Florida,  and the
invalidity  of any one or more  portions of this  Agreement or any part thereof,
all of which are  inserted  conditionally  on their being valid in law shall not
affect the  validity of any other  portion of this  Agreement;  and in the event
that one or more portions  contained  herein shall be invalid,  this  instrument
shall be construed as if such invalid portions had not been inserted.

     11.  Binding.  Except as herein  otherwise  provided to the contrary,  this
Agreement  shall  be  binding  upon  and  inure to the  benefit  of the  parties
signatory hereto, their personal representatives, heirs, successors and assigns.

     12. Employment.  Nothing in this Agreement or the options granted hereunder
shall confer any right to Optionee to continue in the employ of the Company,  or
interfere in any way with any of the rights of the Company,  except as expressly
provided for herein.

     13. Costs and Attorney's Fees. If the obligations of the parties  expressed
herein are the subject of litigation,  the prevailing party shall be entitled to
recover  from  the  other  party  all  reasonable  costs  and  expenses  of such
litigation, including reasonable attorneys fees and costs of appeal.

<PAGE>

     14.  Modification.  No change or modification in this Agreement shall valid
unless the same be in writing and signed by the parties hereto.

     15.  Applicable  Law. This Agreement shall be construed and regulated under
and by the laws of the State of Florida.

     IN WITNESS  WHEREOF,  the parties  hereto have hereunto set their hands and
seals the day and year first above written.


                                        EAUTOCLAIMS.COM, a Florida corporation


                                        By:
                                             ----------------------------
                                                       President


                                        Attest:
                                             ----------------------------
                                                       Secretary


                                        "OPTIONEE"


                                        ---------------------------------
                                        Print Name:
                                                   ----------------------

<PAGE>



                                   EXHIBIT "A"

                            NET ISSUE EXERCISE SHARES
                            -------------------------

         The Optionee may elect to receive,  without the payment by the Optionee
of any additional consideration, shares equal to the value of this Option or any
portion  hereof by the  surrender of this Option or such portion to the Company,
together with written notice that the Optionee  wishes to elect to exercise this
Option on a net issue exercise basis,  at the office of the Company.  Thereupon,
the  Company  shall  issue  to the  Optionee  such  number  of  fully  paid  and
nonassessable  shares of Common  Stock of the Company as is  computed  using the
following formula:

                                   X = Y (A-B)
                                   -----------
                                        A

Where

               X  = the number of shares to be issued to the  Optionee  on the
                    exercise of this Option or any portion thereof.

               Y  = the number of shares  covered by this Option in respect of
                    which the net issue election is made.


               A  = the fair  market  value of one share of Common  Stock,  as
                    determined  in good faith by the Board of  Directors  of the
                    Company, as at the time the net issue election is made.


               B  = the  Option  Price in  effect  at the  time the net  issue
                    election is made.

The Board shall promptly  respond in writing to an inquiry by the Optionee as to
the fair market value of one share of Common Stock.

<PAGE>

                                  SCHEDULE "A"
                                  -----------

Name of Optionee:
                 -------------------------------------------

Number of Options issued to
acquire Common Stock
                         -----------------------------------

Exercise Price per Option     $
                              ------------------------------
Vesting Schedule

         Immediately Vested                     #
                                                  --------------------------
                                    , 2000      #
         ---------------------------              --------------------------
                                    , 2001      #
         ---------------------------              --------------------------
                                    , 2002      #
         ---------------------------              --------------------------
                                                #
                                                  --------------------------




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Optionee Initials                                 Company Initials