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When we bought a car we were directed by the dealer to an insurance agent, we chose and paid the full coverage. However never received the p

1 Answers. Asked on Aug 24th, 2017 on Insurance - Florida
More details to this question:
The agent and dealer confirmed coverage was in place so my daughter left with the car. We never received any insurance policy or forms to sign. The Agent kept on saying they were sent by mail. Almost 1 month later there was a little accident and my daughter was given the ticket. We called the agent who told us to call Infinity Insurance. We still did not have any policy papers. Finally the agent sent them by email and we noticed our address had been modified, obviously on purpose so we wouldn't see that the 6 months policy we prepaid did not correspond to what we agreed, My daughter who was supposed to be included as a driver did not appear in the policy, etc. The insurance threatened they wouldn't cover the incident as my daughter was not under the insurance. Finally the insurance paid the damage to the car. However, now the other party's insurance is charging my daughter who is a 20 year old student, $7.500 for medical costs when nobody was injured at the incident.... please help!
Answers Showing 1 out of 1
Answered on Aug 24th, 2017 at 12:16 PM

Apparantly, the other insurance carrier and the other party disagreed with the "no one hurt" aspect, as it seems they paid out $7,500.00 in a UM claim. Given that the insurance carrier is Infinity, unless you can show that you have a hsitory of ALWAYS having bodily injury liability coverage and would have paid the premiums for it, tjhe "full coverage" you likely asked for and got was "full coverage" to drive the vehicle legally and not additional bodoily injury coverage. This will aslo require reviewing the application and documents you signed to address that issue. 

All responses are NOT to be considered legal advice nor to be relied upon in any as such nor to establish any form of attorney/client relationship. Opinions expressed are solely informational and not a substitute for proper legal advice provided by a properly retained after thoroughly researching the issues presented.

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Insurance enables people and companies to reduce the risk of suffering a catastrophic financial loss. Insurance attorneys offer a variety of services to both individuals and small businesses. For example, paying a small health insurance premium protects you in the event you are in an accident or diagnosed with a health condition that requires expensive treatment. Individual consumers may commonly purchase health insurance, automobile insurance, homeowner's insurance and/or renter's insurance. Businesses need a variety of policies to protect both their property and the company in the event of a lawsuit. Your insurance lawyer can review your existing policies and advise you on additional policies or coverage that may be necessary to protect you or your company from potential risks. Insurance law firms can also help you challenge insurance claims that have been denied in "bad faith," or in violation of the terms and conditions of the policy. And insurance lawyers can represent you if you are sued for something that is covered by an existing insurance policy.
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