10 Fla. L. Weekly Supp. 862a
Insurance — Personal injury protection — Discovery — Failure to comply — Where insurer had insured’s application for PIP benefits for prior accident in its possession at time of discovery request for entire PIP file including applications, and insurer did not produce application, which it allegedly did not realize it had, insurer’s discovery response was not complete at time it was made — Test of completeness is not subjective test based on what documents insurer realized it had but objective test of what documents were in insurer’s possession — No merit to insurer’s argument that it had no duty to supply application because it was not under continuing duty to supplement response to request to produce where original response was not complete — Error to find that failure to produce application was cured by disclosure of existence of application by insurer’s exhibit list where generic entry for “PIP file” did not disclose existence of application — Entry for impeachment exhibits did not disclose existence of application where, although it was foreseeable by insurer from insured’s deposition that insurer would use application to impeach insured’s testimony about prior injuries, insurer’s counsel never disclosed existence of application to insured’s counsel and misrepresented to insured’s counsel that he would only be using medical records, photographs of insured’s car, and the insurance policy, lulling insured’s counsel into believing no other documents existed and not examining insurer’s exhibits — Although application was document insured had filed, where insured never remembered filing application and did not remember what injuries she listed, there is surprise in fact requiring new trial