In a Car Accident? How to find insurance when you think none exists. December 16, 2009

Sometimes you need an attorney for your auto accident case and sometimes you don’t.  As a Daytona Beach Auto Accident Attorney, I have represented injured people throughout the Central Florida Area.    After you have been injured in a auto accident, there are many different layers of automobile insurance that you can look to for compensation.   If you don’t have an attorney it is hard to know where to look to find all available coverage.  I will talk about some types of insurance that some people may not be aware could cover them in the event they are involved in an accident.

Most types of auto insurance covers more than just the person who purchased the coverage.  In Florida, there is a resident relative coverage provision that applies to PIP, Bodily Injury and Uninsured Motorist coverage.  This means that coverage is extended to the insured’s relatives residing in the same residence at the time of the accident.  Relative is defined by most policies as “kinship by blood or marriage but not to relationships terminated by divorce.”  So if you have not purchased your own auto insurance check to see if any of your family members living in the same residence have.   At the same time, it is important to check and see if the person who caused the accident has any resident relatives who have purchased a policy that could cover your injuries.

Another detail for injured clients to look at is whether or not the insurance company can provide a signed uninsured motorist rejection form.  If the insurance company cannot provide documentation of uninsured motorist rejection, then it is obligated to provide uninsured motorist coverage in the same limits as the Bodily Injury coverage on the policy.

There are many other ways to find coverage when you may think that no coverage exists.  If you have any questions, do not hesitate to call me.

Ron Zimmet Jr