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Uninsured Motorist Coverage Archives

Uninsured Motorist Coverage

In Progressive American Insurance Company v. Grossi, 164 So. 3d 790 (Fla 5th DCA 2015) John Grossi was the named insured of an automobile insurance policy. His wife, Judy, was also insured by and through the Progressive insurance policy. After an automobile accident, Progressive denied John's claim for Uninsured/Under-Insured motorist benefits ("UM benefits"). Progressive established that Judy had changed the policy by making a modification (rejecting UM benefits). At the trial court, a summary judgment was entered in favor of John and Judy Grossi; Progressive appealed. The question on appeal was whether Judy Grossi had authority to reject UM coverage as her husband's actual or apparent agent. John claimed that Judy did not have actual or apparent authority to decline the valuable UM coverage. John argued that only he (the named insured) had the authority to reject UM coverage. Progressive disagreed and asserted that the wife was acting within the actual or apparent authority of her husband and that her rejection was of UM coverage was valid. Florida's Fifth District Court of Appeal held that the named insured could reject uninsured motorist coverage through an agent. Furthermore, the court found that there was a plethora of evidence to support the insurer's position, including but not limited to Judy's numerous modifications of the policy in the past. Thus, the court reversed the trial court's order granting summary judgment and remanded the case to the trial court for determination of disputed issues of material fact.

PRESSURE BY INSURANCE COMPANY - STATUTE OF LIMITATIONS

Have you been injured in an accident? Is an insurance company pressuring you to settle your claim? Many people find themselves facing these questions and others. Injured victims often describe a sense of urgency to make a decision about the settlement of their claim. This feeling that you experience is often created by an insurance adjuster. Adjusters will often pressure you to make quick decisions soon after an accident or before you have completed your treatment. Many people find that without the help of an attorney they will accept less money and still face ongoing medical problems. The insurance company is not your friend during this process, although many of their advertisements on TV paint this picture. The adjuster will initially sound sympathetic, and show concern about your well being, but does that individual or the company they represent truly have your best interest in mind OR are they more concerned about the bottom dollar and the insurance company's yearly profit margin.

Father And Son Team Working Together To Serve Our Clients

Our legal team consists of attorney Wm. Dennis Brannon and his son C. Paul Brannon. We work together as a father and son team to provide our clients with exceptional service and solutions in motor vehicle accident claims and other personal injury matters.

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