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Personal Injury Attorney Furnished by Homeowners/Umbrella Insurance?

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lynnck7

Junior Member
What is the name of your state? Florida

I am being sued, along with my former husband and three other couples who all owned oceanfront condominiums in the same complex. The plaintiff is a man (and wife) who owned four other units (and who has filed a number of suits against a number of people). He alleges that my former husband did something (that involved the other unit owners) at the complex that interfered with his selling the four units at an onsite auction, and that it cost him around $2M. At the time that this was supposed to have taken place, my former husband and I had been separated for over two and a half years, he had filed for divorce over fourteen months earlier, and I lived 125 miles away and did not even have a key. (None of the couples involved lived there--the condos were all second homes.) At that point in my life, I had no idea what my former husband was doing in our own hometown, much less all the way across the state at the condo. Later, the divorce decree awarded me the condo, and I have since relocated and live there fulltime. I don't see how I can be held liable in this situation, especially given that during the entire two-plus years of divorce proceedings, his attorney steadfastly maintained that I was not entitled to any of his acquisitions--and they were many--from the date of filing onward (after a 30 year marriage), but I realize that that is a question for posting in the legal forum. Here is the three-fold insurance part: 1) A fellow defendant tells me that he is using the services of an attorney furnished by the company through which he has his homeowner's policy. Is it possible that I can do the same? 2) Even if this possible, I'm reluctant to do so because, given the current insurance crisis in Florida, I'm afraid of being cancelled and not being able to get coverage, especially for oceanfront property. (Floridians' policies are being cancelled willy-nilly for any number of lesser reasons.) However, I realize that I stand to lose a lot more if I end up on the losing side of this crazy thing. 3) If I decide to follow through on getting an attorney through insurance, which policy prevails: A) the one which issued the policy that was in effect in both our names on the date of the alleged infraction (which by the way, I don't even know because my former husband will not give me any documents on the condo); B) the (different) company that issued a policy in my name when I got the condo, more than a year after the incident; C)my umbrella liability policy; or D) a combination of these? Thank you so much for reading this lengthy post and whatever help you can give me!What is the name of your state?
 


moburkes

Senior Member
Add these questions to your original thread, and delete this one. Therefore, people who rerspond won't be duplicating their efforts.
 

lynnck7

Junior Member
I'm brand new to this, and I'm not sure what you mean. I assume that you mean to consolidate my posts from the legal and insurance forums? The reason I posted them separately in both forums is because I figured that most people would read one (i.e, insurance experts and those with insurance issues) or the other (i.e., legal experts and those with legal issues), but not both, so I might miss a lot of readers. If that's not what you mean, please let me know so that I can correct. Thanks!
 

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