Who's Protected Against Uninsured Motorist At Work?

A recent Florida case may come into play.

Will your attorney be able to seek Florida uninsured motorist compensation following a work related car accident? In a recent ruling, an employee was injured in a car accident while on the job. The injury was covered by workmen’s compensation, but this wasn’t just a workplace injury. The accident occurred as a result of another driver’s negligence. However, the vehicle in which the employee was driving had uninsured motorist coverage for up to $500,000 for executives and their families, but only $30,000 for all others.

Are Varying Uninsured Motorist Amounts Permissible?

Subsequently, the Court was forced to determine whether it was legal to provide varying degrees of coverage dependent upon the insureds. The Court ultimately held that different dollar values of coverage is permissible.

In Florida, the uninsured motorist coverage automatically matches the bodily injury coverage, unless the uninsured motorist coverage is expressly rejected or reduced. As the Court wrangled with the language found in § 627.727(1). First, the Court began by reading the actual language used in the statute. Statutes do not need interpretation if the language is clear and unambiguous. The statute provides that a written rejection of the coverage on behalf of all insureds or selection of a lower limit conclusively presumes that there was an informed, knowing election of the lower limits. Notably, the court held that there does not need to be a specific limit.

Rejection of Some Insureds

The Court analyzed another case in which a special endorsement allowed for UM coverage for a any director, officer, partner, or owner of the named insured and his or her family member but specifically excluded coverage for any other person qualifying as an insured. The court in that case, after listening to the personal injury attorney for both sides, concluded that UM rejection based on only some insureds is not permissible. However, that court also notes the permissibility of Class II insureds, which are entitled to less insurance coverage. For example, friends or acquaintances may be a Class II insured and therefore may not be entitled to the stacked portion of the coverage.

Ultimately, the Court held that election of lower limits of insurance did not violate the purpose of the UM Statute i.e. to provide for broad protection of the citizens of this State against uninsured motorists.

Protect Yourself – Your Employer Won’t

It is clear that the person responsible for the company placed more value on injuries to the executives and their families. Ask your employer what type of coverage they have on their work vehicle and demand uninsured motorist coverage or purchase an umbrella policy to cover yourself in the event of an injury while driving a work vehicle on Florida Roads.

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