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 plaintiff sustained injuries in a Florida car accident. The plaintiff was a passenger in a car that was being operated by her father. The plaintiff claimed that the other driver was at fault, but that driver did not have adequate insurance coverage to compensate the plaintiff for the injuries she sustained.
At the time of the collision, the plaintiff was covered under two insurance policies: her mother’s policy with Allstate and her father’s policy with Geico. Both policies had underinsured/uninsured motorist insurance. The Geico policy’s limit was $20,000, and the Allstate policy’s limit was $25,000. The Allstate policy contained an “other insurance” clause, stating that the insured must exhaust all other insurance policies available before a claim under the Allstate policy.