In State Farm Mutual Automobile Insurance Company v. Gonzalez, a pedestrian was apparently struck by a car in Florida in May 2001. Following the incident, the injured woman was treated at a local emergency room. The woman’s health care insurer later paid the hospital $685 for the woman’s treatment. The hospital did not send a bill to the woman’s auto insurer.
More than six months later, the pedestrian’s attorney sent a letter of representation and a copy of the accident report to the woman’s liability insurer. The lawyer also requested certain insurance information from the company. Despite the correspondence, the woman’s counsel failed to include a hospital bill or request payment from the auto insurer. After that, the insurance company allegedly made numerous unsuccessful attempts to contact the injured pedestrian’s lawyer regarding her harm. The insurer ultimately closed the woman’s claim in August 2004.