Recently, an appellate court addressed whether a Florida plaintiff may recover uninsured motorist benefits after she suffered injuries at a mobile gym. According to the court’s opinion, the defendant ran a mobile gym out of his truck and trained the plaintiff for several years. To power the machines and equipment, the defendant plugged the mobile gym’s generator into an outlet at the woman’s home. This arrangement worked well until the woman suffered permanent injuries during one of her sessions. The woman settled negligence claims with the mobile gym owner and her personal trainer. However, she also filed an uninsured/underinsured motorist claim (UIM) with her insurance company. The insurance company claimed that its UIM policy does not apply to motor vehicles such as a mobile gym. Ultimately, the trial court found in the insurance company’s favor, and the woman appealed the ruling.
Car insurance coverage is an integral part of car ownership, and can protect motorists from disastrous financial burdens if they are involved in an accident. However, the Insurance Research Council estimates that over 12% of drivers do not have car insurance coverage. When a driver is involved in a Florida car accident with a UIM driver, they may face challenges in trying to recover for their damages. To address this inherent unfairness, many car insurance companies offer their policyholders UIM coverage. This protects drivers from high out-of-pocket costs if they are a victim of a hit-and-run or an accident with a negligent UIM.
When a Florida driver files a UIM claim with their insurance company, the company effectively steps into the shoes of the negligent driver. In many instances, the policy holder’s relationship with their insurance provider becomes adversarial, and claimants need to fight for their benefits.