20 Fla. L. Weekly Supp. 977a
Online Reference: FLWSUPP 2010THOMTorts — Automobile accident — Subrogation action by insurer against driver who negligently caused accident that resulted in total loss of insured’s vehicle — Evidence — Hearsay — Exceptions — Business records — Auto repair shop owner’s testimony as to what it would have cost to repair vehicle is hearsay where shop owner based testimony on estimating program, and testimony was not sufficient to lay predicate for admission of program as business record — Further, repair estimate would be insufficient to establish recoverable damages in absence of proof that repair cost did not exceed fair market value of vehicle — Where insurer’s appraisal of value of vehicle is based on report of valuation program using data from sales of comparable vehicles, but insurer’s witness had no knowledge of how sales information was recorded or how valuation program worked, insurer failed to lay predicate for admission of valuation report under business records exception to hearsay rule — Where insurer did not offer competent substantial evidence of fair market value of vehicle on date of accident, insurer’s recovery is limited to rental car expenses, medical benefits and litigation costs