How do I know how much insurance coverage is available for my auto accident injury claim?
Bodily injury liability insurance will pay for serious and permanent injury or death if the driver of the covered vehicle is liable for the accident and the insurance coverage information will be requested from the at-fault driver’s insurance company, through an insurance disclosure request made pursuant to Fla. Stat. 627.4137. Bodily injury liability will cover, not only the owner, but may even provide coverage for relatives that reside with the owner. It may also provide coverage to the owner if they lend the vehicle to someone else not listed on the insurance policy.
It is also worth noting that in Florida, if a person is driving under their “scope of employment,” meaning that they are driving for work purposes and they cause an accident, then the company that employs them may be held legally responsible for the accident and insurance coverage information will also be requested from this entity.
Finally, your attorney will request your own insurance coverage information from your auto insurance carrier, including your PIP coverage and any uninsured/under-insured motorist (UM) motorist coverage you may have purchased.