GEICO Insurance Attempted to Pay our Client $50,000 Less Following a Marathon Car Accident

Attorney Daniel VillalobosAuthor: Attorney Daniel Villalobos

Our client, a middle aged mother, purchased the single most important coverage for automobile insurance. She purchased Uninsured Motorist coverage, hereinafter referred to as UM. The defendant in this case made an illegal left turn and caused a T-bone collision with our client. The accident took place near Marathon, Florida. The defendant did not have Bodily Injury insurance. So our client had to file a UM claim with her own insurance. Because our client had stacked UM benefits on two cars in the amount of $50,000 each, she could collect up to $100,000. After the accident our client had surgery on her neck and back. The claim was worth over $100,000. After our firm filed an injury claim with GEICO, we received a check in the mail for $50,000 which GEICO said represented the policy limits for her UM coverage. As our attorneys always do, the attorney working on her case did a quick review of her policy to be sure the coverage was not stacked and to be sure there were no other cars on the policy. He immediately recognized that the UM coverage was stacked on two vehicles and that our client was entitled to $100,000 in this case.

Our car accident attorney contacted GEICO and told them about the stacked coverage. Our firm immediately opened up a civil remedies notice and began the process of filing a bad faith claim against GEICO for negotiating in bad faith. Before the civil remedies notice was officially filed, GEICO immediately tendered out the full $100,000 available to our client. Had our client hired a different law firm that did not fully understand stackable provisions in Florida, she may have lost $50,000.

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