Articles Tagged with West Palm Beach injury lawyer

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The Illinois Supreme Court has determined the “named driver exclusion” contained in uninsured/ underinsured motorist (UM/UIM) auto insurance policies is invalid for violation of the state’s mandatory insurance requirements and public policy where the exclusion bars coverage for the named insured. Unfortunately, the exclusion still stands for motorists in Florida.

The named driver exclusion (also sometimes referred to as the “designated persons coverage exclusion”) can make it very difficult for certain plaintiffs to obtain insurance coverage for their injuries. In general, it is an endorsement added to an insurance policy stating that a specifically named individual with access to your insured vehicle will NOT be covered by the insurance provider to drive the insured vehicle. That means the vehicle’s liability insurance or UM/UIM coverage will not cover a crash if that driver is operating the insured car. Instead, what usually happens is the driver and the owner of the vehicle who allowed that excluded individual form the policy CAN be held liable for damages the at-fault driver caused.

You can see where this would create major problems, not just for the excluded driver, but the insured who allowed that driver behind the wheel and anyone else involved in a crash with them. Pursuing a claim for damages directly against those involved – without insurance coverage – is a tall task because even if you win, there may be slim chances you’ll actually collect those damages. It can leave innocent motorists without remedy for their injuries. Continue reading →

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Travel safety advocates at AAA report there will be 95 million people traveling more than 50 miles or more from home over the holidays this year. That’s a substantial increase of travelers compared to last year. Only one will have the luxury of a magical sleigh powered by reindeer. Some will board a plane, train or bus. But many more – about 89 percent – will pile into the car.

In fact, the number of people who are getting behind the wheel this season is up for the seventh year in a row. A huge part of that has to do with the fact that gas prices are at an all time low – down to an average of $2.20 a gallon from $3.50 just three years ago. In fact, gas prices for motorists in the Southeast are the lowest they’ve been in six years. Unemployment is shrinking, and that means more people have disposable income. That means a bigger travel budget, and many of them are springing for a warm holiday getaway in South Florida.

That’s going to mean more drivers and higher risks on Florida roads. People are rushing to finish holiday chores, head out to parties and drive across state to see relatives or take advantage of the time off for a getaway. That’s why the holidays are the No. 1 most dangerous travel period of the year. Continue reading →

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