4D05-366-State Farm Mutual Automobile Insurance Company v. St. Godard

State: Florida

Court: Florida Fourth District Court

Docket No: 4D05-366

Case Date: 05/10/2006

Preview:DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
FOURTH DISTRICT January Term 2006 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Appellant, v. GERALD A. ST. GODARD and RACHAEL ST. GODARD, Appellees. No. 4D05-366 [May 10, 2006] FARMER, J. This appeal stems from a trial judge's decision not to limit a judgment on an uninsured motorist's (UM) claim to the policy limits. Because there was no basis pleaded or litigated in this case for damages greater than the UM coverage afforded by the insurer, we reverse. Before suit was filed, the attorney for the insureds wrote their motor vehicle insurance carrier, requesting the information specified in section 627.4137.1 State Farm responded on a letterhead with the legend "State Farm Insurance Companies,"2 [e.s.] stating a claim number, identifying the insured as Gerry A. St. Godard, and stating a date of loss. The body of the letter said: In
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