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Client Question of the Day: Is it the driver’s insurance or the car owner’s insurance covering me?

Jeffrey Soud • Dec 31, 2021

Short answer: YES , both , potentially. In Florida, like a lot of other jurisdictions, the primary insurance coverage comes from the policy that covers the at-fault vehicle that hit you. If the driver of that vehicle is not the owner and if that driver owns another vehicle or is listed “ insured ” on another insurance policy, well guess what? That “other” insurance policy will also cover you, also.

Here’s an example : Driver Angela was hit by red-light running Driver Bob at the intersection. And let’s say Bob’s personal car was in the shop so he was borrowing his friend’s Chris’ car to run a couple of errands.

Let’s say Chris’ car is covered by Allsnake with bodily injury coverage of $10,000. And Bob’s car, which is in the shop, has a policy issued by Snake Farm , that happens to have a bodily injury coverage of $50,000. And by the way, Angela’s policy with GEIC-HO has UM coverage (un-insured or under-insured coverage) for $25,000.

  • If your case is worth $5,000, then only Allsnake would pay (since they are primary) and the other two insurance companies pay nothing.
  • If you case is worth $30,000, then Allsnake pays its $10,000 and Snake Farm kicks in the additional $20,000. The End.
  • If you case is worth $100k, then Allsnake kicks in its $10k, Snake Farm kicks in its $50k and your carrier kicks in its $25k for a total of $85k. You didn’t get a “full” recovery, but you got 100% of the available coverages.

So, what’s your case worth should be the first question. Then, how much coverage is there is the follow up.

Pro Tip : Lawyer Up – making a case is hard to do.

* Insurance company names have been changed to protect the guilty , although for SEO purposes using their real name probably would have been better, I don’t care!

09 Jun, 2023
Slip and fall accidents can be serious, leading to costly medical bills, lost wages, and other expenses. If you’ve been injured in such an accident, you’ll need the help of a good slip and fall attorney in Jacksonville, FL, to get the compensation you deserve. Here are some tips to help you find the right representation. Slip and Fall Accidents Can Be Serious Slip and fall accidents can have a major impact on your life. These accidents can lead to serious injuries, including broken bones, traumatic brain injuries, spinal cord injuries, and more. Depending on the severity of the injury, you may be facing costly medical bills, lost wages, and other expenses. In addition to the physical pain and suffering, slip and fall accidents can also lead to emotional trauma and mental anguish. It’s important to seek legal representation to ensure that you get the compensation you deserve for your injuries and losses. Finding a Good Slip and Fall Attorney in Jacksonville, FL When looking for a slip and fall attorney in Jacksonville, FL, it’s important to do your research. You want to make sure that you find an attorney who is experienced and qualified to handle your case. Here are some tips to help you find the right representation: Check Out Online Reviews and Ratings - The internet is a great resource for finding out more about attorneys in your area. Check out online reviews and ratings to get a better understanding of an attorney’s experience and qualifications. You can also look for reviews from past clients to get a better idea of the quality of service they provide. Ask for Referrals from Family and Friends - If you know anyone who has had a slip and fall accident in the past, ask them for referrals. They can provide you with valuable insight into the attorney’s experience and qualifications. It’s also a good idea to ask around in your community to see if anyone has any recommendations. Research the Attorney’s Qualifications and Experience - Once you’ve narrowed down your list of potential attorneys, it’s important to do some research into their qualifications and experience. Check out their website and read up on their background and credentials. You can also contact the Bar Association in your state to make sure that the attorney is in good standing. Schedule an Initial Consultation - Once you’ve done your research, it’s time to schedule an initial consultation with the attorney. This is your chance to get to know the attorney and ask any questions you may have about their experience and qualifications. Make sure to bring all of your relevant documents, such as medical bills and other paperwork related to your accident. Here Are Some Tips to Help You Find the Best Slip and Fall Attorney in Jacksonville, FL Finding the right slip and fall attorney in Jacksonville, FL, can be a daunting task. But with the right research and preparation, you can find the best representation for your case. Follow the tips outlined above to make sure that you get the compensation you deserve for your injuries and losses. At Soud Law, we provide free, no-obligation legal consultations to help prospective clients determine the best course of action and reasonable expectations. Call our personal injury law firm at (904) 353-9000 to talk to someone about your case!
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