 Posted: Thu Aug 13, 2009 2:09 am Post subject: Unisured Motorist question... |
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I'm taking a Florida insurance course online & have another question. Here is what is said:
The way in which UM recoveries are based upon ones tort rights may be illustrated by example:
Fred, permanently injured by Mark in an accident, has total damages valued at 50,000. Fred has PIP & has recovered the full $10,000 limits, & has UM coverage with a limit of 100,000. Mark has liability with limits 10/20/10.
Fred’s UM recovery is 30,000: the 50,000 in damages - 10,000 recovered from PIP - 10,000 available from Mark’s liability.
Note the example states Fred was permanently injured. As UM relates to Fred’s tort rights against Mark, Fred would have to pierce the no-fault threshold for the measurement of recoverable damages to include any noneconomic loss...
My question is, Fred has permanent injury & has pierced the no-fault threshold so why cant he get pain & suffering??? |
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Dube
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