What to do if when I purchased my auto insurance policy, the agent told me that I did not need UM coverage?

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What to do if when I purchased my auto insurance policy, the agent told me that I did not need UM coverage?

I asked if I would still be “100% covered for everything if I did not purchase this additional insurance”. I was recently involved in an auto accident which was not my fault and sustained serious long term injuries. The person that hit me had minimal insurance and my insurance company said UM coverage was waived. I was deceived and lied to about this coverage and was told I would still be covered. Do I have a case to sue my insurance company for lying to me about this?

Asked on March 8, 2013 under Accident Law, Florida

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

You may have a case, if the agent did knowingly deceive you as to the extent of your coverage in order to get you to enter into the transaction (buy the insurance)--doing so may be fraud, and, if consisdered consummer fraud, could possibly entitle you to additional recovery, even beyond the extent of your actual injuries or damages. From what you write, it would be worthwhile to take the next step and consult with an attorney in detail, to see if you do have a case and what if might be worth.


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