Articles Tagged with car accident lawsuit

Auto insurers in Florida have two duties with regard to their insureds:

  • A responsibility to indemnify, or pay damages for which insured would otherwise be liable (up to policy limits);
  • Duty to defend insured from legal action (i.e., hire a lawyer and help mount a defense).car accident attorney

Even if an insurer argues it doesn’t have a duty to indemnify (the incident is not one that is covered or the person is not one for whom coverage should be extended), there is often still a duty to defend. Failure to adhere can be a form of bad faith insurance. This could ultimately be an issue for plaintiff to deal with directly if the at-fault driver assigns whatever claims he or she might have had against the insurer for this over to plaintiff as part of whatever settlement is ultimately reached.

Insurers are within their rights to outline the parameters under which they will provide coverage, and there are unfortunately a host of rules and exceptions in almost every policy. However, many times insurers will interpret their policies a bit more broadly than they should, which is why it’s important to have an experienced car accident attorney in South Florida who will fight for you and take them to task. Continue reading