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!