Lumbermens Mut. Cas. Co. v. Herrera, 83-148
Decision Date | 27 September 1983 |
Docket Number | No. 83-148,83-148 |
Parties | LUMBERMENS MUTUAL CASUALTY COMPANY, Appellant, v. Jose HERRERA and Adelma Herrera, Appellees. |
Court | Florida District Court of Appeals |
Kimbrell, Hamann, Jennings, Womack, Carlson & Kniskern and Bradford A. Thomas, Miami, for appellant.
Maguire & Friend and Michael Maguire, Coral Gables, for appellees.
Before HUBBART, DANIEL S. PEARSON, and FERGUSON, JJ.
Lumbermens Mutual Casualty Company appeals an adverse final judgment entered below in a declaratory decree action. The trial court declared that the personal injury protection deductibles were invalid in the insurance policy which had been purchased by the insured Jose and Adelma Herrera from Lumbermens Mutual Casualty Company. The record affirmatively establishes that the agent who sold the insurance policy to the Herreras offered no oral explanation concerning the PIP deductibles, that the Herreras had no other applicable coverage, and that the Herreras did not inform the agent of this fact. The insured Jose Herrera did, however, sign a Spanish document at the time he purchased the subject PIP insurance. Translated into English, 1 this document reads:
"According to the information which was given to you and instructions, we are processing an application, an insurance application for personal insurance protection, PIP, with a deductible of $4,000, which should be covered by you or by some other kind of insurance before the benefits of the PIP, before they start to be effective." R. 31
We hold that this document fails to satisfy the statutory duty imposed upon the insurer to explain PIP deductibles under Section 627.739(1), Florida Statutes (1981), which reads:
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