Earlier this month, an appellate court issued an opinion in a Florida personal injury case involving a pedestrian who was struck by a golf cart and sustained serious injuries. The case illustrates the difficulties that are common when dealing with an insurance company in the wake of a serious accident.
Unfortunately, the operator of the golf cart responsible for causing the accident did not have sufficient insurance coverage to fully compensate the victim for her injuries. Thus, the victim was forced to file a claim with her own insurance company, under the underinsured motorist provision. The case required the court to determine if the accident victim’s policy covered the accident.
The Plaintiff’s Insurance Policy
The plaintiff’s insurance policy provided for both liability protection as well as underinsured motorist protection. The language describing the policy’s liability protection included coverage for all accidents involving cars and trailers. However, the policy contained an exclusion for vehicles that were not generally used for public roads. That being said, the exclusion specifically excepted accidents involving non-owned golf carts from the exclusion.