Can You Sue Your Own Insurance Company?
Yes, under certain circumstances and if you have the right coverage. In most car crash cases, you would seek compensation from the other driver's insurance company, but what if the other driver doesn't have insurance or doesn't have enough insurance to cover your damages? This scenario is more common than you think. I have a tough case now where my client was walking and run over by a drunk driver, however my client doesn't have car insurance, therefore no uninsured motorist coverage. The drunk driver has minimal coverage that doesn't come close to covering the extensive medical costs. I'm in the process of investigating every possible pathway for liability to try to make a recovery for my severely injured client.
Florida Uninsured Motorist Coverage
In Florida, UM (uninsured motorist coverage) provides compensation to a person who is seriously injured or killed due to the negligence of an uninsured or underinsured motorist. This can be very important coverage to get through your car insurance.
When injured in a car crash, you will seek damages from the other driver’s insurance company. If the other driver does not have insurance or has very minimal coverage, you will not be able to recover the full amount you may be owed. UM is provided by your insurance company to protect you in such a situation.
You can try to sue the at-fault person, but it is often difficult to recover money from an individual since they may not have much. If you have UM coverage, you can avoid suing an individual by filing a claim with your own insurance company instead.
You may also be entitled to additional money through the stacking of coverage. If a person under one insurance policy owns two or more vehicles, they can combine or stack the coverage for each vehicle insured on the policy. All you have to do is call your insurance company and talk to them about your options. For example, I have two vehicles. I have $100,000 in UM coverage on each vehicle and chose to have this coverage stacked, meaning I now have $200,000 in available coverage if I'm seriously injured by an uninsured or underinsured driver. It took me only minutes to get this done when I called my insurance company. You may not be able to afford all the bells and whistles in an insurance policy, but you should at least consider some form of UM coverage in the event of a car crash.
With the example of my own client, if he had car insurance and uninsured motorist coverage, even though he was a pedestrian, we could make a claim to recover against his insurance.
If You Have Questions About a Car Accident or Any Other Injury You Suffered
Please contact Clifton Law Office, you can reach me at my contact page online or call me directly at 904-209-4883.
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