What to Do When the Other Driver’s Insurer Won’t Give You Their Policy Limits (Cape Coral Injury Claims)
After a crash in Cape Coral, you expect the basics to be straightforward. Who’s insured, what coverage they have, and whether there’s enough to pay your medical bills, lost income, and pain.
Then you hit a wall. The other driver’s insurer won’t tell you the numbers. No clear answer, no confirmation, just delays. Without policy limits disclosure, it can feel like you’re negotiating in the dark, like trying to buy something when the price tag is hidden.
You’re not stuck, and you’re not powerless. Here’s how to push the process forward while protecting the value of your injury claim.
Why insurers stall on policy limits disclosure
Insurance companies usually know the limits on day one. If they’re not sharing them, it’s often a tactic, not a mistake.
Common reasons include:
They want you to settle low. If you don’t know the coverage, you may accept a quick offer that feels “reasonable” but is far below the policy.
They’re testing your patience. Delays can pressure injured people who need money for rent, car repairs, or treatment.
They’re waiting to see your damages. If your medical situation is still unclear, they may stall until they can argue your claim is smaller.
They’re hoping you miss deadlines. Florida law changed recently, and shorter timelines can work against you if you wait too long. For a local explanation of how these changes affect settlement strategy, see How Florida’s New Tort Reform Changes Car Accident Settlements for Cape Coral Drivers in 2025.
Stalling works best when the injured person doesn’t know what to ask for, or when to escalate.
What Florida law requires insurers to disclose
Florida has a specific statute aimed at this exact problem: Florida Statute 627.4137. In plain terms, it allows you (or your lawyer) to request insurance information from the other side. The required response generally includes the insurer’s name, the named insured, and the available liability coverage, including limits.
A few practical points matter in real claims:
- The request should be in writing.
- It should be sent to the liability insurer handling the claim.
- You want proof it was delivered (certified mail, email with confirmation, or fax receipt).
This is the backbone of policy limits disclosure in Florida car accident injury claims. If the insurer plays games after a proper written request, that behavior becomes part of the story of your case.
Start with a written request that’s hard to ignore
Phone calls are easy to dodge. A written request creates a record.
Your request should be short and direct. Include:
Claim details: date of crash, insured’s name, claim number, location (Cape Coral), and vehicles involved.
What you’re requesting: liability limits and any umbrella or excess coverage information.
Your contact info: where they should send the response.
If you’ve already asked verbally, say so. Example: “This letter follows my prior requests for policy information.”
After you send it, save everything. Keep a folder with the letter, delivery proof, and any response.
Keep building your case while the insurer drags its feet
Even if the limits are unknown, your actions can still strengthen your position.
Get medical care quickly and follow through
Florida’s no-fault rules can affect early medical coverage and timelines. If you’re unsure how PIP works or why the first two weeks matter, review How Florida’s No-Fault Law Impacts Your Cape Coral Car Accident Claim.
Consistent treatment does two things at once: it protects your health, and it documents the injury link to the crash.
Document the losses that don’t come with receipts
Insurers love neat spreadsheets. Real injuries aren’t neat.
Write down, once a day, a simple note about what changed:
- sleep problems
- missed work tasks
- driving anxiety
- household chores you can’t do
- pain levels after normal activities
Those details help prove the human cost of the injury.
Don’t “guess” your way through adjuster calls
If an adjuster asks, “Are you feeling better?” a casual “I’m okay” can get replayed later as “fully recovered.”
Stick to facts. You can say: “I’m still treating, and my symptoms are ongoing.”
Use a firm demand strategy, even without the limits
Many people think they can’t send a demand until they know the policy limits. In practice, you often can.
A strong demand package can include:
Clear liability story: why the other driver caused the crash.
Medical timeline: dates, providers, diagnosis, and treatment plan.
Damages summary: medical costs, missed wages, and daily life impact.
A deadline: a reasonable time to respond.
If the insurer still refuses to confirm limits, that refusal can become leverage. It shows they chose delay over transparency.
For related guidance on handling insurers who undervalue claims, see What to Do When You Disagree with the Insurance Company’s Valuation of Your Claim.
When to escalate: complaints, litigation, and subpoenas
If policy limits disclosure still doesn’t happen after a proper written request, escalation may be needed.
Options depend on where your claim stands:
Formal follow-up and proof of noncompliance: Sometimes one more letter, with delivery proof attached, triggers a response.
Lawsuit filing: Once suit is filed, the case enters formal discovery. Insurance information is typically obtainable through the legal process.
Subpoenas and discovery requests: These tools can force production of coverage information when voluntary cooperation fails.
This is also where Florida’s newer timelines matter. Waiting too long can shrink your leverage and your options.
Don’t forget your own coverage while limits are unknown
If the other driver’s coverage is low, hidden, or slow to confirm, your own policies may matter more than you think.
A few examples:
PIP can help with medical bills and some wage loss early on.
Uninsured/underinsured motorist coverage (UM/UIM) may apply if the other driver can’t fully pay.
MedPay (if you have it) can help cover treatment costs.
The right approach depends on your injuries and available insurance, but the key is simple: don’t let the other insurer’s silence freeze your recovery plan.
How a personal injury attorney helps when limits are withheld
A personal injury attorney does more than “call the adjuster again.” In a policy limits standoff, legal representation can change the dynamic fast.
A lawyer can:
- send the proper statutory request and track deadlines
- stop recorded statement traps and claim-damaging conversations
- calculate damages in a way insurers take seriously
- identify other coverage sources (employers, households, umbrella policies)
- file suit when delay becomes a strategy, not an accident
In many Cape Coral injury claims, the turning point is when the insurer realizes delay won’t create a discount.
Conclusion
When an insurer won’t confirm coverage, it’s frustrating, but it’s also a signal. They may be protecting the payout, not searching for the paperwork. Policy limits disclosure is a real issue in Florida claims, and the answer is steady pressure backed by documentation.
Send a written request, keep treating, build your damages story, and be ready to escalate if the silence continues. The goal is simple: stop negotiating blind, and start negotiating from strength.