The Insurance Policy of the At-Fault Driver

If you’ve been injured in an accident due to the negligence of another driver, it is critical to know how much insurance coverage the other driver has. This information is not readily available on a police report or accident report. Instead, this information usually has to be obtained from the at-fault driver’s insurance company. In fact, Florida Statute 627.4137 outlines the procedures regarding disclosure of insurance policy information.

According to the Statute, within 30 days of a written request, a sworn statement from the insurance company has to be provided setting forth basic information with regard to each known policy of insurance, including any umbrella policies. This basic information includes the name of the insurer, the name of each insured, the limits of the liability coverage, a statement of any defense which the insurer reasonably believes is currently available to them, and a copy of the policy. Again, this information is so important in a personal injury case because it informs the injured party whether the at-fault driver has valid insurance and if the at-fault driver has enough insurance to cover the injured party’s medical treatment, lost wages, and any other claims for damages like pain and suffering. If there is no insurance or the liability limits on the insurance policy won’t cover the injuries, the injured party has to investigate other options such as proceeding under their own uninsured motorist policy and/or further investigating the assets and insurance of the at-fault driver. If you’ve been injured in an accident, call Robert Sparks Attorneys today for a free case evaluation and an understanding of your rights against the at-fault party and their insurance company.