Over the last 27 years of representing personal injury victims, we have noticed that oftentimes insurance adjusters don’t always tell plaintiffs about all of the insurance benefits that are available to them. There have been several instances where clients have had to pay out of pocket for medical expenses and ended up getting less of a settlement. There are a few insurance benefits we want you to consider before accepting a settlement with an adjuster. 

The first thing to ask is whether the defendant was in the scope of their employment at the time of the accident. Even if the defendant was driving their personal vehicle, if they were on the job then their employer will have liability insurance. Companies like Uber, Lyft, or Instacart have special liability insurance coverage that you may be eligible for. 

Umbrella coverage is potentially another option to ask the insurance adjuster about. There are some people who have umbrella insurance which is a general liability insurance added to their car insurance or homeowners insurance. If the defendant has umbrella insurance then you may be entitled to these benefits. 

The last thing you should research is whether you have access to uninsured motorist coverage. This type of insurance acts in addition to liability coverage when the defendant is either uninsured or underinsured. You may have uninsured motorist coverage on your personal car insurance plan or through the vehicle you are driving or through a family member. A little research is all that is needed to determine if you could benefit from uninsured motorist coverage. 

If you have been injured in Florida or have any questions about your insurance coverage at the time of your accident, please call us at 407-254-4901 or text us at 407-644-4444. You can even email us at [email protected]. We are always happy to offer a no obligation, free consultation to discuss your case with you. 

Kim Cullen
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Central Florida Personal Injury and Wrongful Death Attorney
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