Car insurance is required in many states, including Florida, but the specific type of insurance required varies by state. While insurance is meant to provide benefits for harm caused by car accidents, it is not uncommon for an insurer to attempt to deny coverage based on the terms of the policy.
A Florida District Court of Appeals recently overruled a court order granting summary judgment in favor of an insurer, on the grounds that the terms of the clause the insurer relied upon in denying coverage were ambiguous. If you were injured in a South Florida car accident involving an uninsured driver, it is in your best to meet with an attorney who is proficient in dealing with insurance companies to assist you in seeking any benefits you may be owed.
Reportedly, the plaintiff’s parents obtained a policy of insurance with the defendant insurer, in which they insured three vehicles. The policy included uninsured motorist coverage for bodily injury suffered in an auto accident with an uninsured motorist. The plaintiff was subsequently injured in an accident with an uninsured motorist while operating a motorcycle that was not an insured vehicle under the policy. The plaintiff, who was not a named insured, sought benefits under the policy on the grounds that the policy provided uninsured motorist coverage for family members. The defendant declined coverage based on exclusionary language, after which the plaintiff filed a lawsuit against the defendant for benefits under the policy. The defendant filed a motion for summary judgment, which the trial court granted. The plaintiff then appealed.