ILEANA TORRES, ETC., ET AL., APPELLANTS,
v.
THE PROTECTIVE NATIONAL INSURANCE COMPANY OF OMAHA, ETC., APPELLEE
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Ileana Torres was struck by a hit-and-run driver while truant from school. Her parents initially received false information about the cause of her injuries, and notified their insurance company of the uninsured motorist claim approximately two weeks after the accident. The insurer denied the claim based on a policy requirement that notice be given within 24 hours, and the trial court granted summary judgment for the insurer. The appellate court reversed, holding that prejudice to the insurer is not presumed automatically upon late notice, and that genuine issues of material fact regarding actual prejudice must be resolved at trial.
Summary judgment was improper because the pleadings and affidavits created a genuine issue of material fact regarding whether the insurer was actually prejudiced by the late notice. Although a 24-hour notice requirement is a valid condition precedent to uninsured motorist coverage, prejudice to the insurer is not automatically presumed; the insured may rebut the presumption by demonstrating the insurer suffered no actual prejudice.
[1] A 24-hour notice requirement to the police for hit and run accidents is a valid condition precedent to uninsured motorist coverage.
[2] An insurer is not automatically relieved of liability for non-compliance with a notice requirement if the insured demonstrates the insurer was not prejudiced by the delay…
Previewing 2 of 4 headnotes on this case. FLexlaw’s editorially structured points of law — every proposition, pinpointed — are reserved for members.
Join FLexlaw to unlock all legal intelligence“While prejudice to the insurer is presumed in the case of noncompliance with such a notice requirement, the insurer will not automatically be relieved of liability simply by showing that notice was not given within the time provided for in the policy if the insured can demonstrate that the insurer has not thereby been prejudiced.”
Establishes the key principle that presumed prejudice can be rebutted by showing actual absence of prejudice to the insurer
Previewing 1 of 3 key quotes on this case — the court’s exact language, pinpointed for members.
Join FLexlaw to unlock all legal intelligenceIleana Torres, a twelve-year-old, was struck by a hit-and-run driver while truant from school. She initially misrepresented the cause of her injuries …
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KEHOE, Judge.
Appellants, plaintiffs below, bring this appeal from a summary final judgment dated April 13,1977, entered by the trial court in favor of appellee, defendant below. For the reasons set forth below, we reverse.
Appellants’ twelve year old daughter, Ileana Torres, was struck by a hit and run driver. Because she was truant from school at the time of the accident, Ileana lied to her parents about the cause of her injuries. Approximately two weeks later, appellants learned the true cause of their daughter’s injuries. Appellants then immediately notified the police of the accident. Appellants also notified and made a claim against appellee, their insurer, under an automobile insurance policy which provided coverage, under the uninsured motorist section, for the injuries sustained by Ileana. Appellee refused to pay this claim on the ground that appellants had failed to give it proper notice pursuant to the terms of the policy.
As a result of appellee’s refusal to pay, appellants filed a complaint, as amended, seeking to compel appellee to arbitrate the claim. Subsequently, appellee filed a motion for summary judgment on the ground that appellants had failed to comply with the provisions of the policy which provided that notice must be given within 24 hours of the accident. Thereafter, on this ground, the trial court granted appellee’s motion for summary judgment. From the order granting summary final judgment, appellants appeal.
Appellants contend that the trial court erred by entering the summary final judgment in favor of appellee and by holding that appellants’ failure to comply with the notice provisions of the policy barred their recovery.
Appellee contends, basically, that the trial court did not err by granting its motion for summary judgment because appellants failed to satisfy a material condition precedent to recovery, i. e., the requirements of the notice provision of the policy. Appellee further contends that there existed no genuine issue of any material fact at the time the trial court granted its motion for summary judgment. It is with appel-lee’s last contention that we disagree. The applicable principles of law, in cases such as this one, were articulated by Judge Hubbart in Allstate Insurance Co. v. Korschun, 350 So. 2d 1081, 1081-82 (Fla.3d DCA 1977), as follows:
“The law is clear that a 24 hour notice requirement to the police or appropriate government authority is a valid provision and generally a condition precedent to obtaining uninsured motorist coverage in a hit and run automobile accident. The reason for such a requirement is to allow the police and other interested parties (such as the insurance company) an opportunity to investigate, search and possibly apprehend the hit and run driver, thus facilitating inquiry whether the hit and run vehicle was in fact uninsured and allowing the insurer to enforce its subrogation rights against a negligent uninsured hit and run motorist. McKay v. Highlands Insurance Co., 287 So. 2d 393, 395 (Fla.3d DCA 1973). While prejudice to the insurer is presumed in the case of noncompliance with such a notice requirement, the insurer will not automatically be relieved of liability simply by showing that notice was not given within the time provided for in the policy if the insured can demonstrate that the insurer has not thereby been prejudiced. Laster v. United States Fidelity and Guaranty Co., 293 So. 2d 83, 86 (Fla.3d DCA 1974). See Tiedtke v. Fidelity and Casualty Co. of New York, 222 So. 2d 206 (Fla.1969).”
Based upon these principles, it is our opinion that the summary judgment in the instant action was prematurely granted. The pleadings and affidavits on file with the trial court, at the time of the entry of the summary judgment, created a genuine issue of a material fact, i. e., whether the insurer was, in fact, prejudiced by appellants’ failure to conform to the notice provisions of the policy, which precluded the entry of a summary judgment. Fla.R.Civ.P. 1.510. Accordingly, the summary final judgment appealed is reversed and the cause is remanded for further proceedings consistent with this opinion.
Reversed and remanded.
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- Dan v. McKAY, 287 So. 2d 393 (Fla. 3d DCA 1973)
- Allstate Ins. Co. v. Korschun, 350 So. 2d 1081 (Fla. 3d DCA 1977)