Legal Question in Personal Injury in Florida
Homeowners insurance law
A neighbor's guest was backing a car out of the neighbor's driveway and hit my car, which was legally parked in front of my residence. When My husband confronted the driver, the driver sped away and in doing so hit my husband knocking him to the ground. The neighbor denied knowing who it was to the police. Is the neighbor's homeowner's insurance liable for the dmamges to the car and the medical expenses for my husband's injuries?
1 Answer from Attorneys
Re: Homeowners insurance law
Sounds to me like you have been getting too much free advice over the net and you've gotten what you are afraid to pay for. As a general rule forget the Homeowners Insurance, they aren't liable except in very limited circumstances. You should report this to your auto carrier, specifically make a claim for Personal Injury Protection Insurance. Under our statute your own PIP coverage is primary over all other coverages. If your husband has a permanent injury you may have an uninsured motorist claim. If you do not have UM coverage you may have a claim against the HO coverage IF you can show some degree of negligence of the homeowner. If your husband is truly injured you need a lawyer, not the Internet.
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