CONSULTING AGREEMENT


This  Agreement  is made  effective  as of  December  01,  1999,  by and between
eAutoClaims.com,  Inc, of 2708 Alt 19 North,  Suite 604,  Palm  Harbor,  Florida
34683, and Jeffrey D. Dickson, of 792 Natalie Lane, Palm Harbor, Florida 34683.

In this  Agreement,  the party who is contracting  to receive  services shall be
referred to as "eAuto",  and the party who will be providing the services  shall
be referred to as "Dickson".

Dickson has a background  in Executive  Management,  Insurance and is willing to
provide services to eAuto based on this background.

eAuto desires to have services provided by Dickson.

Therefore, the parties agree as follows:

1. DESCRIPTION OF SERVICES. Beginning on December 01, 1999, Dickson will provide
the following services (collectively, the "Services"): Act as advisor and mentor
to  CEO  Seidel  on a  day  to  day  basis  in  matters  concerning  management,
capitalization,  corporate structure issues, organizational issues, industry and
regulatory matters.  Dickson will as elected also perform the duties of Chairman
of the Board of directors and head of the audit and compensation committees.

2. PERFORMANCE OF SERVICES. The manner in which the Services are to be performed
and the specific  hours to be worked by Dickson  shall be determined by Dickson.
eAuto will rely on Dickson to work as many hours as may be reasonably  necessary
to fulfill Dickson's obligations under this Agreement.

3. PAYMENT.  eAuto will pay a fee to Dickson for the Services based on an annual
fee basis in the amount of  $84,500.00  USD. This fee shall be payable every two
weeks,  no later than 5 days after the end of each  applicable  two week  period
during  which  Services  were  performed.  The fee  shall be  advanced  to First
American AMO, a legacy  company that has provided the  experience and foundation
to eAuto and of which Dickson serves as CEO. An additional  line of credit shall
be available to Dickson not to exceed  $95,000 USD for the purposes of defraying
such costs that shall be approved by the CEO of eAuto and are  inclusive  of any
and all expenses deemed beneficial to eAuto.

4. EXPENSE REIMBURSEMENT.  Dickson shall be entitled to reimbursement from eAuto
for the following  "out-of-pocket"  expenses:  travel expenses, meals, excluding
alcoholic beverages, and Rental Vehicles.

5. SUPPORT  SERVICES.  eAuto will provide the following support services for the
benefit of Dickson: staff and secretarial support.

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6. NEW PROJECT  APPROVAL.  Dickson and eAuto  recognize that Dickson's  Services
will include  working on various  projects for eAuto.  Dickson  shall obtain the
approval of eAuto prior to the commencement of a new project.

7. TERM/TERMINATION. This Agreement shall terminate automatically on January 01,
2001. The renewal of this agreement  shall be at the behest of Eric Seidel,  CEO
of eAuto.

8.  RELATIONSHIP OF PARTIES.  It is understood by the parties that Dickson is an
independent  contractor  with  respect to eAuto,  and not an  employee of eAuto.
eAuto will not provide fringe benefits, including sick days, personal days, paid
vacation,  or any other  employee  non-insurance  benefit,  for the  benefit  of
Dickson.

9.  DISCLOSURE.  Dickson is  required  to disclose  any  outside  activities  or
interests,  including  ownership or  participation  in the  development of prior
inventions,  that  conflict or may  conflict  with the best  interests of eAuto.
Prompt  disclosure is required  under this paragraph if the activity or interest
is related, directly or indirectly, to:

      - a product or product line of eAuto
      - any activity that Dickson may be involved with on behalf of eAuto

10. ASSIGNMENT.  Dickson's  obligations under this Agreement may not be assigned
or  transferred  to any other  person,  firm, or  corporation  without the prior
written consent of eAuto.

11. INTELLECTUAL  PROPERTY. The following provisions shall apply with respect to
copyrightable works, ideas, discoveries,  inventions,  applications for patents,
and patents (collectively, "Intellectual Property"):

      a.  Consultant's  Intellectual  Property.   Dickson  personally  holds  an
      interest in the  Intellectual  Property  that is described on the attached
      Exhibit A and which is not subject to this Agreement.

      b. Development of Intellectual  Property. Any improvements to Intellectual
      Property  items listed on Exhibit A, further  inventions or  improvements,
      and any new items of  Intellectual  Property  discovered  or  developed by
      Dickson (or Dickson's employees, if any) during the term of this Agreement
      shall be the property of eAuto. Dickson shall sign all documents necessary
      to perfect the rights of eAuto in such  Intellectual  Property,  including
      the filing  and/or  prosecution  of any  applications  for  copyrights  or
      patents.  Upon  request,  Dickson  shall sign all  documents  necessary to
      assign the rights to such Intellectual Property to eAuto.

12. RETURN OF RECORDS. Upon termination of this Agreement, Dickson shall deliver
all records,  notes, data,  memoranda,  models, and equipment of any nature that
are in  Dickson's  possession  or under  Dickson's  control and that are eAuto's
property or relate to eAuto's business.

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13. NOTICES.  All notices required or permitted under this Agreement shall be in
writing and shall be deemed  delivered  when delivered in person or deposited in
the United States mail, postage prepaid, addressed as follows:

      IF for eAuto:

           eAutoClaims.com, Inc
           Eric Seidel
           CEO
           2708 Alt 19 North, Suite 604
           Palm Harbor, Florida  34683


      IF for Dickson:

           Jeffrey D. Dickson
           Jeffrey D. Dickson
           Chairman of the Board
           792 Natalie Lane
           Palm Harbor, Florida  34683

Either  party may change such  address  from time to time by  providing  written
notice to the other in the manner set forth above.

14.  ENTIRE  AGREEMENT.  This  Agreement  contains  the entire  agreement of the
parties and there are no other  promises or  conditions  in any other  agreement
whether oral or written.  This  Agreement  supersedes  any prior written or oral
agreements between the parties.

15.  AMENDMENT.  This  Agreement  may be modified or amended if the amendment is
made in writing and is signed by both parties.

16. SEVERABILITY. If any provision of this Agreement shall be held to be invalid
or unenforceable for any reason,  the remaining  provisions shall continue to be
valid and enforceable.  If a court finds that any provision of this Agreement is
invalid or  unenforceable,  but that by limiting such  provision it would become
valid and  enforceable,  then  such  provision  shall be  deemed to be  written,
construed, and enforced as so limited.

17.  WAIVER OF  CONTRACTUAL  RIGHT.  The failure of either  party to enforce any
provision of this Agreement  shall not be construed as a waiver or limitation of
that party's right to  subsequently  enforce and compel strict  compliance  with
every provision of this Agreement.

18. APPLICABLE LAW. This Agreement shall be governed by the laws of the State of
Florida.

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Party receiving services:
eAutoClaims.com, Inc



By:   ____________________________________________________
      Eric Seidel
      CEO


Party providing services:
Jeffrey D. Dickson



By:   ____________________________________________________
      Chairman of the Board
      Jeffrey D. Dickson