Should your Palm Beach County accident attorney investigate the different liability policies available or go with the highest policy coverage available in a multiple liability accident?

It is important that your Palm Beach County accident attorney investigate all available insurance policies when you have been injured in a car accident. The most likely situations that you will encounter multiple policies involve permissive users, leased vehicles, commercial trucks, tractor-trailer units, and automobiles used during employment. Your Palm Beach County accident attorney representing you should discover all the potential policies available to maximize your recovery. Of course a defense attorney representing an insurer will meet with the insured client because that may decrease the exposure of his client if he finds other coverage available. From the defendant’s perspective, this is advantageous because personal umbrella policies and coverage available through resident relatives are not listed with the primary insurer. Another important reason that the defense attorney representing the insurance carrier has an incentive is because there may be another primary insurer, which may shift the primary liability and the duty to defend to another insurer. However, a plaintiff’s attorney also has an incentive to explore if other liability insurance policies are available. The insurance coverage available from the driver of the vehicle that caused the injury may not be sufficient to cover the damages of the injured driver. Therefore, it is imperative that your Palm Beach County accident attorney discover all the facts of a car accident. Unless all the facts are know it is possible that your attorney may fail to invoke the protection of an available policy. In the case of Lehman-Eastern Auto Rentals, Inc v. Brooks, 370 So.2d 14 (Fla. 3d DCA 1979), a full understanding of the facts led to the discovery of an additional one million dollars in insurance coverage. Getting a full grasp of the facts may allow your Palm Beach County accident attorney to focus on a particular defendant that has the most available policy coverage to simplify the lawsuit. Often times the process of settling an insurance claim is delayed or prevented by coverage issues.