Blog Category:

Car and Motorcycle Accidents

1/13/2012
Jeffrey Meldon
Comments (0)

Ocala accident attorney discusses interesting insurance questions when driver hits horse and rider.


A recent accident in Marion County involving a vehicle and a horse with rider brings up many interesting insurance questions for discussion. Such as:

What insurance would cover the cost of the euthanized horse?   Horses have value; in this case the horse was valued at $8,500 according to the Ocala news article.   Horses are also property.  Property Damage Liability Insurance would be used to cover the cost of the horse.

What insurance would cover the medical bills of the rider of the horse?  This accident involved a vehicle, therefore, Personal Injury Protection Insurance (PIP) would cover, up to $10,000.   It could be the rider’s PIP insurance, or the driver of the vehicle, or a resident relative’s.   After PIP runs out, then the driver’s Bodily Injury Liability (BI) would kick in for further medical expenses for the rider, as the driver was at fault.  If the driver had no BI, and most don’t, the rider’s Uninsured Motorist Coverage (UM) would come into play.

What if the rider of the horse was shown to be at-fault in this accident?  From the information regarding this accident, the driver of the vehicle most likely caused the accident.  If however, just for the sake of insurance discussion here, the rider was negligent, the rider’s General Liability Coverage on his Home Owner’s policy could  be used, unless there is an exclusion on the policy.

For more insurance information, please see:

Auto Insurance Coverage: Laws, Recommendations, Factors and Tips for Florida Drivers


Labels: insurance questions with horse and rider accident ocala accident attorney who pays





Being adequately insured is probably the most important thing you can do to protect yourself and your family in the event of an accident.

Because of this, and, as a Gainesville and Ocala car accident attorney, I, Jeffrey Meldon,  wrote the book, Buying Florida Auto Insurance - A 3 Step Approach to Purchasing Adequate Auto Insurance at Competitive Pricing.

 
This free guide answers common questions such as:

  • What are the various insurance coverages?
  • Do I need them all?
  • I think I have "full coverage", but I am not sure..?
  • What insurance do I need and at what amounts to adequately protect myself and family?
  • How do I get the best coverage at the best price?


In easy to understand language, this book addresses 3 main topics:

  • Why purchasing adequate insurance in Florida is vital.
  • Explanations, tips, and recommendations for each of the various insurances.
  • How to purchase adequate insurance at competitive price.


You can request your free, no obligation, guide book, by contacting the Office at (800) 373 8000 or on line by filling out the request form.

Beware:  Even if you are completely innocent in an accident, you can get stuck with thousands, or even hundreds of thousands, of dollars of medical bills, loss of income, and a permanent injury. All of which can be devastating.  Make sure you are adequately protected!




There are no comments.

Post a comment

Post a Comment to "Ocala accident attorney discusses interesting insurance questions when driver hits horse and rider."

To reply to this message, enter your reply in the box labeled "Message", hit "Post Message."

Name:*

Email:* (will not be published)

Website:

Message:

Notify me of follow-up comments via email.

For security purposes, please enter the graphic text in the box below: [hit F5 if you can not read the text]