The Importance of Uninsured Motorist Protection in Florida

The lawmakers in each state are able to determine what amount of insurance is required to legally operate a vehicle on public roads. Most states require motorists to obtain a certain amount of bodily injury liability coverage to ensure that an accident victim is able to recover – at least in part – for the injuries they sustained. However, Florida lawmakers left the bulk of the decision to obtain car insurance in the hands of the individual motorists. Unlike many other states, Florida law only requires motorists to obtain $10,000 personal injury protection (PIP) and $10,000 in property damage liability. Personal injury protection, also called “no fault insurance” covers the motorist (and other qualifying individuals) up to the policy maximum, without a showing of fault. While this so...

Continue reading →

Court Finds Golf Cart Accident Was Covered Under Plaintiff’s Insurance Policy

Earlier this month, a court issued a written opinion in a Florida golf cart accident case requiring the court to determine if the plaintiff’s insurance provider was required to cover the accident under the underinsured motorist (UM) provision of the plaintiff’s policy. Ultimately, the court held that the exclusion for accidents involving “non-owned golf carts” was invalid. The Facts of the Case The plaintiff was walking on a pathway in Sun City Center when she was struck by a golf cart. As a result of the collision, the plaintiff suffered serious injuries. The operator of the golf cart did not have sufficient insurance coverage to fully compensate the plaintiff for her injuries, so she filed a claim with her own insurance company, und...

Continue reading →

Florida Car Accident Plaintiff’s Non-Compliance with Contractual Term Not a Basis for Dismissal Due to Defendant’s Failure to Object

Earlier this month, an appellate court issued a written opinion in a Florida car accident lawsuit that illustrates the difficulties some motorists encounter when filing insurance claims after an accident. The case presented the court with the opportunity to discuss when a plaintiff’s failure to fulfill a “condition precedent” prior to filing a claim with his own insurance company can be fatal to a plaintiff’s claim. The court concluded that, generally, such a failure will prevent the plaintiff from recovering damages; however, when the insurance company fails to raise the issue in a timely manner, the objection will be considered waived. The Facts of the Case The plaintiff sustained injuries in a Florida...

Continue reading →

Determining Fault in Florida Chain-Reaction Motor Vehicle Accidents

Determining who is at fault in a Florida car accident is not always as straightforward as it may seem. While some accidents involve a clear error on the part of one driver, other accidents present a much more difficult situation. For example, chain-reaction accidents can involve multiple parties, each of whom may be partly at fault for the collision. Determining who is at fault in these accidents and dividing up the fault according to each driver’s actions is a difficult task that is most often left to the courts. Florida uses the comparative negligence rule when determining which accident victims are permitted to recover compensation for their injuries and how much they should recover. Under the comparative negligence doctrine, each party who is injured in an accident is entitled to file a personal injury lawsuit against the party or parties they believe to be responsible for thei...

Continue reading →

Florida Court Upholds $1 Million Bad-Faith Verdict Against Insurance Company

In a case decided earlier this month, the Supreme Court of Florida upheld a jury’s $1 million verdict against an insurance company after it was determined that the insurance company acted in bad faith in not paying out on the plaintiff’s meritorious claim. Fridman v. Safeco Insurance Company of Illinois:  The Facts of the Case The case arose after a 2007 accident involving the plaintiff and an uninsured motorist. In the wake of the accident, the plaintiff discovered that the other driver did not have insurance and sought to collect reimbursement for medical expenses and property damage from his own insurance company, Safeco. However, Safeco initially denied the claim and then failed to respond to any of the plaintiff’s attemp...

Continue reading →

Save money on auto insurance

To save money on auto insurance cost may seem impossible. Actually, there are several ways in which you can reduce your auto insurance payment, without sacrificing your coverage.

First, multiple car discounts are offered when a family insures all their vehicles with the same company. Also, if the family decides to purchase additional insurances, such as homeowner’s or life insurance, premiums may be reduced as well.

Consider buying the right amount of insurance. Auto insurance is designed to protect you in cases of major losses, a big accident or the theft of your car, for example. Having a higher deductible, or paying for minor losses yourself, could save you a lot of money in the long-run.

If there are teenage drivers in the home, certain insurance companies offer reduced premiums associated with good grades in school. Contact your insurance agent if your child ...

Continue reading →