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Christopher E. Mast, P.A.

In a timely reminder of the importance of reviewing your automobile insurance policy, I was recently forced to advise a young injured party that there was no insurance coverage availability where the at fault driver had failed to elect bodily injury coverage (BI), the young injured party carried no uninsured motorist coverage (UM) and she didn't live with a resident relative possessing any other automobile coverage.

Despite the lack of bodily injury coverage or uninsured motorist coverage, the insurance carrier for the automobile in which the injured party was an passenger remained obligated for personal injury protection (PIP); however, the injured party remained uncompensated for injuries which necessitated corrective surgery.

Everyone needs to review their personal and or commercial automobile coverage on a regular basis to confirm that all coverage needed has been elected not forgetting uninsured motorist coverage given the high number of uninsured and underinsured motorists and making sure that personal injury protection, property damage liability and bodily injury liability have been provided for with appropriate limits of coverage.    
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ESTATE OF NICOLE MICHELE WEBER, DECEASED: In a defense representation, I obtained a dismissal with no recovery to the Plaintiff on a wrongful death claim against the Defendant, Marino Parking Systems, Inc., such suit resulting from the return by the valet service of a drunk drivers' keys and automobile, the drunk driver later causing the death of the third party Plaintiff. The dismissal with prejudice was subsequently upheld by the Florida 2nd District Court of Appeal and with review denied by the Florida Supreme Court. Debbie Weber, as personal Representative of the Estate of Nicole Michele Weber, Deceased, v. Marino Parking Systems, Inc., 100 So. 3d 729 (2nd DCA 2013) rev. den., 123 So. 3d 562 (Fla. 2013)
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