Charles S. Spinner, Esq. - Spinner law Firm Spinner Law Firm - Personal Injury Attorney Tampa | New Tampa FL | Personal Injury Lawyer Land O' Lakes - Personal Injury Attorney Wesley Chapel - Personal Injury Attorney Pasco County - Personal Injury Attorney San Antonio - Personal Injury Attorney Temple Terrace - Personal Injury Attorney Citrus Park - Personal Injury Attorney Riverview Near Ruskin - Auto Accidents Attorney Dade City - Auto Accidents Attorney Zephyrhills
2418 Cypress Glen Drive, Wesley Chapel, FL 33544
Florida, 2418 Cypress Glen Drive, Wesley Chapel, FL 33544 Florida
Charles S. Spinner, Esq. - Spinner law Firm
Spinner Law Firm - Personal Injury Attorney Tampa | New Tampa FL | Personal Injury Lawyer Land O' Lakes - Personal Injury Attorney Wesley Chapel - Personal Injury Attorney Pasco County - Personal Injury Attorney San Antonio - Personal Injury Attorney Temple Terrace - Personal Injury Attorney Citrus Park - Personal Injury Attorney Riverview Near Ruskin - Auto Accidents Attorney Dade City - Auto Accidents Attorney Zephyrhills When you get into an accident it can be super stressful and turn your whole world upside down. In the matter of moments the life you once knew could be changed. This happened to me and this whole process was made easier because I was with the best law firm in town, Spinner Law Firm. They kept in contact with me, explained everything where I could understand it, and I was very satisfied with the outcome. If it wasn't for them I would have ended up in a bad place, stuck paying for medical bills that originated from something that was not my fault. Thank you again for everything you and your staff did for me. I will be forever grateful. Fortunately for me, I have known Charlie Spinner and Anissa Morris for several years. They have always been very well respected in our community. I really never dreamed that I would need the guidance of a personal injury attorney until a few years ago, however, when I did, I knew that I would get the personal attention from two of the BEST! Their staff, Gena, Vicki and Mary Margaret, were simply amazing. In this law firm you felt like you were a part of a close knit family. They were always there to answer questions and concerns that I might have.I would highly recommend this firm to anyone who needs the help of a personal injury attorney and even estate planning. They are highly versed in both specialties. If you want the personal professional attention that you deserve, this firm is where you want to put your trust! I couldn't have been more satisfied!!! Very professional and attentive to their clients! The Spinner firm did a great job. If you need help navigating insurance and a friend in your corner this is the place. Charles Spinner Law Firm my and staff dedicated themselves to my case from beginning till the very end. I want to especially thank Charles for his patients and professionalism and giving direction and pointers throughout my mediation and Litigation. Thank you Vicki for being a great friend and you really touched my heart after my surgery when you sent me flowers. God bless all of you! Charles Spinner and his Staff did a wonderful job with my accident case. They were professional, attentive and thorough. I couldn't be more pleased and I would recommend them to anyone. Thank you Charlie and Staff! Charles Spinner and his staff handled my case in a very professional manner and I would like to say 'thank you' to everyone there! I am thrilled that my case had been settled in such a timely manner. I will highly recommend the Spinner Law Firm to my friends and colleges. My friend told me bout Injury Attorney Wesley Chapel Florida. I went there. They deal with me very friendly. I will recommend them. I was very worried about my case, my friend told me about Injury Attorney Wesley Chapel Florida. They have skilled professional and also great sense of humor. They solved my case with honestly. The people at Spinner Law Firm are professionals. They handled by accident case with care and professionalism. Glad i chose to go with them. I am quite fortunately to have looked such a wonderful at spinner law firm that has gone out of their way to continue to represent me even without insurance and being laid off at the time of my injury. I am quite fortunately to have looked such a wonderful at spinner law firm that has gone out of their way to continue to represent me even without insurance and being laid off at the time of my injury. Charles Spinner and his staff handled my case in a very professional manner and I would like to say 'thank you' to everyone there! I am thrilled that my case had been settled in such a timely manner. I will highly recommend the Spinner Law Firm to my friends and colleges. My friend told me bout Injury Attorney Wesley Chapel Florida. I went there. They deal with me very friendly. I will recommend them. I was very worried about my case, my friend told me about Injury Attorney Wesley Chapel Florida. They have skilled professional and also great sense of humor. They solved my case with honestly. My friend told me bout Injury Attorney Wesley Chapel Florida. I went there. They deal with me very friendly. I will recommend them. I was very worried about my case, my friend told me about Injury Attorney Wesley Chapel Florida. They have skilled professional and also great sense of humor. They solved my case with honestly.
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Can I be denied PIP for failing to list a household resident on my insurance application?

April 20, 2016

Sadly, the answer is yes, you may be denied PIP coverage for failing to list a household resident on your application for auto insurance. When you apply for auto insurance, the application typically asks in one form or another that you list all residents in your household. Your insurer may deny PIP coverage if you did not tell the insurer about all of the people who resided with you at the time your application was completed.

The leading Florida case addressing this issue is United Automobile Insurance Company (“United”) vs. Salgado. In this case, the application asked Salgado to list all residents in his household who are fourteen (14) years or older. Salgado completed the application and a policy was issued by United.

During the effective period of his insurance policy, Salgado was injured in an automobile accident. After receiving medical treatment for his injuries, his bills were submitted by his medical providers for reimbursement under Salgado’s PIP coverage. After completing an investigation, United determined that Salgado had failed to list his brother as a member of the household on his application and notified Salgado that due to the material misrepresentation, his policy was cancelled as of its effective date.

Salgado sued his own insurance company in an attempt to compel them to cover him under his Personal Injury Protection (“PIP”) insurance coverage. United responded by taking the position that Salgado’s failure to list his brother as a member of his household on his insurance application constituted a material misrepresentation since the unknown risk would have resulted in a higher insurance premium. United won, and did not have to extend PIP benefits to Salgado.

There are a few crucial takeaways from the Salgado case:
1. Even if a household member is not old enough to drive you must list them on your application.

2. Even if a household member does not have a driver’s license, you must list them on your application.

3. Even if a household member is not a relative, or just a roommate, you must list them on your application.

Not every Florida Insurer will make an issue out of failing to list a household resident, but many of the “nonstandard” auto insurers will. Not all misrepresentations are sufficient to support a denial of coverage and you may have a defense available if this issue is raised by your insurance company.

Bottom Line: When applying for auto insurance, answer every question on the application as honest as possible. If you fail to do so, your insurance carrier may attempt to deny you PIP benefits or other important coverages in the event of an accident.

For more information concerning PIP automobile insurance coverage, please feel free to call us at (813) 991-5099. We are standing by to help every day, all day.

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