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Florida Court Weighs When Not Meeting Policy Terms Means Coverage Forfeiture

Florida’s high court is debating whether a driver forfeited her uninsured motorist coverage by refusing to meet the insurer’s specific requirement to undergo a scheduled medical exam.

The state Supreme Court recently heard oral arguments in a case [State Farm Mutual Insurance Co. v. Curran, SC 12-157, (2012)] that could reduce mandated policyholder requirements to issues to be negotiated between the insurer and policyholder. This would directly affect cases where the policy doesn’t specify any consequences for not meeting the requirements.