Appeals Court Says Golf Cart Covered as "Vehicle" Under Florida Auto Insurance Policy - Angelotta v. Security National Insurance
Anyone who's ever dealt with an insurance company may already know that the answer to coverage disputes often lies in the fine print. In Angelotta v. Security National Insurance, Florida's Fifth District Court of Appeals takes on an insurance case about what the fine print means when it refers to insurance coverage for a "vehicle."
Mr. Angelotta was injured in a February 2008 accident at The Villages, a popular retirement community north of Orlando. The collision occurred when a golf cart driven by Mr. Snyder on a public roadway sideswiped a car and slammed into Angelotta's golf cart, which was lawfully stopped. Snyder's golf cart, which he was leasing at the time of the crash, had been modified so that it could travel at speeds of more than 20 miles an hour. Angelotta later sued Snyder for negligence.
Snyder had an automobile insurance policy with Security National Insurance at the time of the crash. The company refused to indemnify him in the litigation, however, asserting that the golf cart wasn't covered under Snyder's policy. After Angelotta obtained a money judgment against him in excess of $70,000, Snyder assigned to Angelotta any rights that he may have to bring legal action against Security National related to the crash in exchange for Angelotta's agreement not to enforce the final judgment.