In Young v. Progressive Southeastern Insurance Company, the Florida Supreme Court held that insurance provisions excepting self-insured vehicles from the definition of “uninsured motor vehicle” violated Florida public policy. The Young decision was a significant change in insurance law, and it may raise more questions than it answers in the complicated field of uninsured motorist coverage.
This “Last Word” first reviews the basic principles and history of uninsured-motorist law in Florida, then discusses the specific facts and holding of the Young case, and finally suggests how the Young decision may impact some of the basic principles of insurance law well beyond the original parameters of the case.