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Who has to pay jury awarded damages in Florida in excess of their insurance policy limits?

The first person who would be responsible would be the defendant his or herself for the accident. The other possibility may be the defendant's insurance company who may have acted in bad faith under the circumstances. That is, when they placed their interest over the interest of their insured and act maliciously or intentionally in such a way that they fail to meet their contractual obligations under the insurance policy. In some instances, you may be able to get the insurance company to pay for those excess damages.