In Tibbets v. State Farm Mutual Automobile Ins. Co., a Florida plaintiff pursued uninsured motorist (UM) benefits from her parents’ automobile insurer after an automobile accident that took place in September 2014. At the time of the wreck, the plaintiff lived with her parents and was riding as a passenger in one of the cars insured by the policy. The insurance policy provided $100,000 in bodily injury and $100,000 in UM benefits. The plaintiff was named as a “resident relative” under the insurance policy. The driver of the car did not have permission to drive the car. In fact, the driver did not have any motor vehicle insurance at the time.
After the collision, the defendant denied liability coverage to Walker for the accident, since he did not have permission to drive the car. The plaintiff then pursued UM benefits under the defendant’s insurance policy.