Success Stories

$500,000 Uninsured Motorist Settlement

John Smith, a former client of attorney James Cunningham, returned years after his first accident having suffered injuries in another motor vehicle accident. His case involved the permanent aggravation of preexisting injuries or conditions. The person responsible for causing the second accident carried no liability insurance. But fortunately, Mr. Smith had taken Mr. Cunningham’s advice following his first accident and had purchased stackable uninsured motorist coverage. This wise decision on his part allowed Mr Cunningham to recover the maximum uninsured motorist coverage available to Mr Smith under his policy.

At first, Mr Smith’s insurer resisted paying the limits of coverage but after a Civil Remedies Notice was filed with the State of Florida alleging the insurer was guilty of Bad Faith dealings with their insured, they paid their limits before the 60-day deadline expired. This allowed Mr. Smith to avoid a lawsuit and he was able to receive his settlement proceeds much more quickly, at far less expense and without the delay’s normally associated with litigation.

Because so many Florida drivers are either uninsured or underinsured insured, Mr Cunningham usually recommends his clients purchase the maximum stackable Uninsured motorist coverage they can comfortably afford - they may never need it, but as in Mr. Smith’s case, it can be the only source of funds to compensate a seriously injured person when the negligent driver has no liability insurance.

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