Articles Posted in Insurance Law

A core responsibility of lawyers representing clients with personal injury or property-damage claims is to maximize recovery. Conventional wisdom holds that recovery is limited to actual damages – the plaintiff cannot collect more than the loss suffered. Florida law, however, provides a pathway to expand recovery when subrogation, reimbursement, or contribution rights exist. In Despointes…

Companies make billions of dollars leasing and renting motor vehicles. One might expect that with such profits would come a corresponding responsibility to compensate innocent people injured through the negligent operation of those vehicles. They don’t. The Florida Legislature once believed they should. It may still believe so, but its will has been overridden by…

Uninsured/Underinsured Motorist (UM/UIM) coverage – governed by section 627.727, Florida Statutes – is first-party insurance designed to compensate insureds for both economic damages (such as medical expenses and lost wages) and non-economic damages (such as pain and suffering) resulting from motor vehicle accidents caused by uninsured or underinsured drivers. Although every automobile insurer authorized to…

I have blogged extensively on the constant tug-of-war between insurance companies and their insureds when it comes to claims handling. While insurers are relentless in demanding timely premium payments, their approach to claims is often summarized in two words: delay and deny. Insurance carriers have an arsenal of tools designed to execute this strategy. Examinations…

In our practice—focused on personal injury, medical negligence, workers’ compensation, and wrongful death—we routinely handle Medicare and health insurance liens. These entities often have statutory or contractual rights to be reimbursed from any settlement or judgment recovered from third parties, meaning those legally responsible for causing the harm. This article addresses a separate legal issue…

It is common for health and disability (lost wages) insurance carriers to pay benefits to their insureds who are injured due to someone else’s negligence. Many of these policies include reimbursement provisions allowing the insurer to recover payments from any personal injury settlement or judgment obtained by the insured. How Much Must Be Repaid? The…

Despite having many potential sources of payment for medical expenses in ride share-related crashes, Uber riders sometimes end up holding the bag. The most common payment sources are PIP, MedPay, health insurance, Medicare, Medicaid, and bodily injury liability insurance. With a few exceptions, every owner or registrant of a motor vehicle required to be registered…

Much has been written about the type of insurance coverage available to Uber passengers and other third parties for accidents caused by Uber drivers. Less has been written about the coverage available to Uber drivers and their passengers for injuries caused by third parties such as other drivers. Currently, we are handling a case for…

Everyone is familiar with the idiom, “Keep your eye on the ball.” What it means, quite simply, is to keep one’s attention focused on the matter at hand. Lawyers must remember this during intense situations. Last week we experienced just such an intense situation. In a case involving severe personal injuries sustained by our client,…

For the eighth year in a row, the Florida Legislature has considered but failed to make bodily injury (BI) insurance coverage mandatory for every owner or operator of a motor vehicle required to be registered in this state. The two bills proposed for this reason during the recently concluded legislative session failed to receive a…