Fireman's Fund Ins. Co. v. Rojas
Citation | 409 So.2d 1166 |
Decision Date | 16 February 1982 |
Docket Number | No. 81-656,81-656 |
Parties | FIREMAN'S FUND INSURANCE COMPANY, Appellant, v. Ada ROJAS, Appellee. |
Court | Florida District Court of Appeals |
Fowler, White, Burnett, Hurley, Banick & Strickroot and Michael J. Murphy, Miami, for appellant.
Carlos B. Fernandez, Miami, for appellee.
Before HENDRY, NESBITT and FERGUSON, JJ.
The sole issue presented by this appeal focuses on when the statute of limitations begins to run on an insurer's indemnity claim against a motorist whose negligence resulted in damage to its insured. We hold that an insurer's indemnity claim accrues and the statute of limitations begins to run when the indemnity liability is satisfied.
On July 16, 1975, Marcelino Perez and members of his family were involved in an automobile accident with the appellee Ada Rojas. Appellant Fireman's Fund, Perez's insurer, paid over $15,000 in personal injury protection benefits, uninsured motorist benefits, 1 and property damage benefits to the Perezes on June 29, 1976. On July 17, 1979, Fireman's filed this suit against Rojas seeking recovery of the monies paid. Following discovery, the court below entered judgment on the pleadings for Rojas on the basis that appellant's complaint was barred by the statute of limitations because suit was not instituted within four years from the date of the injuries. 2
Appellant contends that in an indemnification action, the statute of limitations begins to run on the date of payment by the party seeking indemnification, rather than the date of injury. We agree and reverse.
As a general rule, an insurer which has paid its insured's claim or loss becomes subrogated to the insured's cause of action against the tortfeasor, and may file suit to recover the amount paid. Holyoke Mutual Insurance Co. v. Concrete Equipment, Inc., 394 So.2d 193 (Fla.3d DCA), pet. for rev. denied, 402 So.2d 609 (Fla.1981). Prior to the time the insurer has settled, or been held liable on its insured's claim, the insurer has no cause of action for subrogation against the alleged tortfeasor. Quinones v. Florida Farm Bureau Mutual Insurance Co., 366 So.2d 854 (Fla.3d DCA), cert. denied, 376 So.2d 71 (Fla.1979).
Appellee's reliance upon Carter v. Cross, 373 So.2d 81 (Fla.3d DCA 1979) for her contention that any cause of action arising from the accident must accrue from the date of the accident is misplaced. Carter held only that an action for personal injury accrues and the statute of limitation begins to run against the injured party from the time the injury was first inflicted, not from the time the full extent of such injuries has been ascertained. The Carter opinion did not decide when the statute of limitations begins to run on an insurer's indemnity claim, the controlling issue sub judice.
Common sense dictates that the statute of limitations cannot begin to run on a cause of action before the right to bring such action exists. Precluded by Quinones, supra, from bringing an action for indemnification prior to satisfying its insured's claim, appellant made its last payment of benefits to Perez in June, 1976 and filed this action in July, 1979, clearly within the four year limitations period. 3 See Employers' Fire Ins. Co. v. Continental Ins. Co., 326 So.2d 177 (Fla.1976) ( ); Mims Crane Service, Inc. v. Insley Manufacturing Corp., 226 So.2d 836 (Fla.2d DCA), cert. denied, 234 So.2d 122 (Fla....
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