Articles Posted in Automobile Insurance

Published on:

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.

Blurred TrafficFlorida 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 their injuries. If the jury determines that a plaintiff is partially at fault for their own injuries, that plaintiff’s total award amount will be reduced by their own percentage of fault.

Florida’s comparative negligence method is considered to be much more plaintiff-friendly than the alternative doctrine applied in other states, called contributory negligence. Under a contributory negligence analysis, any person who is determined to be even the slightest bit at fault for an accident cannot recover for their injuries.

Continue reading →

Published on:

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.

KONICA MINOLTA DIGITAL CAMERA

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 attempts to follow up with the claim.

Eventually, the plaintiff filed a case against Safeco, citing the company’s bad faith in failing to settle the claim. Once that claim was filed, Safeco issued the plaintiff a payment of $50,000, which was the upper policy limit of the plaintiff’s uninsured motorist coverage. The plaintiff refused the settlement and opted to let the jury decide what the claim was worth. After a jury trial, the plaintiff was awarded an amount of $1 million.

Continue reading →

Published on:

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.

Contact Information