How to request insurance policy limits after a Florida injury
Florida law lets an injured claimant request liability insurance information in writing before filing a lawsuit. An insurer that provides or may provide coverage must respond within 30 days under section 627.4137. The disclosure helps identify available policies and limits; coverage and payment still depend on the policy and claim facts. [1]
What the insurer must disclose
For each known policy, including excess or umbrella coverage, the insurer must provide its name, each insured’s name, liability limits, any policy or coverage defenses it reasonably believes are available, and a copy of the policy. The statement must be under oath by a corporate officer, claims manager, or superintendent. Newly discovered facts requiring a change must be reflected immediately in an amended statement. [1]
Finding the right insurer
If you know the person or business involved but not the insurer, the insured or its insurance agent must, on a claimant’s or attorney’s written request, identify each known insurer and its coverage and forward the request to all affected insurers. Each insurer then has 30 days from receipt to provide the required information. [1]
For a rideshare crash, save the trip receipt and app records too. Keep those records with the insurance correspondence. Our guide to Florida rideshare insurance periods explains why the driver’s app activity deserves a separate review.
Keep a clear record of the request
A practical request should identify the incident date, location, involved person or business, and claim number if one has been assigned. Refer to section 627.4137 so the purpose is clear. These details help the recipient connect the request to the right claim.
Keep a copy of what you send, evidence of delivery, and every response. Record which company received which request and when. Save the complete policy and attachments together so a later review does not depend on a summary or a cropped screenshot.
Special rule: a request to a self-insured corporation must be sent by certified mail to its registered agent. [1]
Review the response before making decisions
Check whether the response addresses the correct incident and insured and includes the policy itself. Flag missing pages, inconsistent names, unexplained limits, or an omitted attachment for follow-up. An insurance card alone will not answer every coverage question.
A disclosed limit does not determine the value of an injury claim or guarantee a settlement. Keep your injury records, expense information, and evidence about how the incident happened. Review any proposed release and its effect on other possible claims before agreeing to settle.
Common questions
Does the disclosure have to be notarized?
Not necessarily. In Koung v. Giordano, the court held that a properly executed declaration under penalties of perjury can satisfy the statutory oath requirement. A missing notary stamp, by itself, does not establish that the disclosure is defective. [2, 3]
What if the insurer misses the response date?
Keep the delivery record, request the missing information, and have the situation reviewed. The disclosure provision itself does not make an overdue response an automatic entitlement to payment of the injury claim. Other facts and legal issues may matter. [1]
Does requesting policy information pause a lawsuit deadline?
Do not assume it does. Florida’s tolling statute does not list an insurance-disclosure request as a reason to pause the limitations period. Have lawsuit and notice deadlines checked separately while gathering coverage information. [4]
Talk with FK Law Group
Have questions about coverage after a crash? Read about car accident legal help or request a free consultation with FK Law Group, LLP.
General information, not legal advice. This article addresses Florida law checked on October 16, 2026. California claims require a separate review. Deadlines and outcomes depend on the facts and law. An inquiry does not create an attorney-client relationship.