How do I find out the other driver's policy limits?
This is one of the most useful and least used rights in Florida injury law.
§ 627.4137 requires a liability insurer, on written request from a claimant or the claimant's attorney, to provide a sworn statement signed by a corporate officer or claims manager disclosing the insurer's name, the coverage limits, and a copy of the policy — within 30 days.
Three things make it valuable.
It works before suit is filed. You don't have to sue anyone to find out what coverage exists.
It's sworn. Not an adjuster's informal statement, which can be vague or wrong.
It shapes everything. Whether a case is worth litigating, whether to make a limits demand, whether uninsured motorist coverage will be needed — all of it depends on this number.
Most unrepresented claimants never make the request because they don't know it exists, and adjusters have no obligation to volunteer it.
Send the written request. Thirty days, sworn answer, before you file anything. ---
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