Asked in Personal Injury for Florida

Q: When is an auto insurer required to reveal policy information and limits ?

The driver of a vehicle was found to be at fault after running a red light (in view of a police officer), and causing an accident that injured me (fractured rib and partial collapsed lung). The at fault driver's insurance has officially (in writing) stepped in to "manage" (oversee? observe?) my medical and property expenses, but refuses to reveal the at fault driver's policy limits and coverages. How do I get the insurance company to give me that information ?

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2 Lawyer Answers
Charles M.  Baron
Charles M. Baron
  • Hollywood, FL
  • Licensed in Florida

A: First, it would be extremely foolish for you to represent yourself in the described situation, unless your case has been turned down by a few personal injury attorneys. Is the latter the case? The insurer should not be "managing" you. In any event, there are two ways to obtain the insurance policy info and limits (including a copy of the policy). One way is to write a letter requesting it, and under Fla. Statutes Sec. 627.4137, the insurer has 30 days to comply. Another way is to file suit against the tortfeasor (the wrongdoing driver) and serve a request for production of documents and interrogatories asking for the information.

Gregory C. Maaswinkel and Domenic J. Celeste agree with this answer

Gregory C. Maaswinkel
Gregory C. Maaswinkel
  • Orlando, FL
  • Licensed in Florida

A: Never trust the insurance company to do the right thing. They are in the business of making money at your expense. You can make a written request for the insurance coverages or retain an attorney to help you with your case. Most lawyers that do do this type of case do not get paid unless they win.

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