Earlier this month, a state appellate court issued a written opinion in a Florida car accident case, centered around an insurance dispute. Technically, the case was between two insurance companies, however, the issue before the court is relevant to accident victims. Specifically, the case required the court determine if the accident victim was covered under his parents’ underinsured/uninsured motorist (UIM) protection policy.
According to the court’s opinion, a young man was injured in a Florida car accident. At the time of the crash, the man lived with his mother and step-father, who had an insurance policy with Owners Insurance Company. The Owners policy provided coverage to resident relatives who did not own their own automobile.
Another insurance company, Allstate, sought a declaratory judgment clarifying that the young man was covered under the Owners policy. Allstate hoped to establish that Owners provided coverage so that an unrelated Allstate policy would not be involved in the claim. The trial court agreed with Allstate, holding that the young man was covered under his parents’ policy.