34 Fla. L. Weekly D1753a
16 So. 3d 979
NOT FINAL VERSION OF OPINION
Subsequent Changes at 34 Fla. L. Weekly D1799a
Insurance — Breach of contract between insurance agency and insurance company — Agency breached contract with insurance company when it had company issue a policy excluding uninsured motorist coverage although agency had no written waiver of UM coverage from applicant and purportedly knew that applicant wanted UM coverage, and failed to notify company that applicant had not waived UM coverage until after a claim for UM benefits had been made against policy — Summary judgment on breach of contract claim is improper where issue remains as to whether insurance company sustained any injury as consequence of breach — If the insured wanted UM coverage, then insurer suffered no harm flowing from agency’s failure to either secure a UM waiver or to advise insurer that it had no UM waiver — If insured did not want UM coverage or decided after learning of its cost not to take it, then insurer was injured because of agency’s failure to secure a UM waiver from insured