Articles Tagged with car accident West Palm Beach

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While uninsured/ underinsured motorist benefits are essential for any driver, these benefits have some limitations that you should understand. Specifically, F.S. 627.727(7) limits UM/UIM coverage only to economic damages caused by car accident injuries. By this statute, legal liability of a UM/UIM insurer specifically by this statute does NOT include damages for pain and suffering, mental anguish or inconvenience UNLESS the injury is described as:

  • Significant/ permanent scarring/ disfigurement;
  • Permanent injury within a reasonable degree of medical probability;
  • Significant/permanent loss of important bodily functions;
  • Death.

A recent bad faith insurance claim asked whether a UM/UIM insurance provider wrongly failed to settle a lawsuit with an insured for the $75,000 policy limits when it could have and should have done so. In order to answer this question, it was essential to determine whether plaintiff had proven she had suffered a permanent injury within the meaning of the state’s “permanency threshold” statute.  Continue reading →

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