Case Name: NATIONAL CONTINENTAL INSURANCE COMPANY, a Florida corporation, Appellant, v. Hector PEREZ, Jr., etc., Appellee
Court: Florida District Court of Appeal
Jurisdiction: Florida
Decision Date: 2005-01-12
Citations: 897 So. 2d 492
Docket Number: No. 3D03-1062
Parties: NATIONAL CONTINENTAL INSURANCE COMPANY, a Florida corporation, Appellant, v. Hector PEREZ, Jr., etc., Appellee.
Judges: Before GREEN, FLETCHER, and WELLS, JJ.
Reporter: Southern Reporter, Second Series
Volume: 897
Pages: 492–492

Head Matter:
NATIONAL CONTINENTAL INSURANCE COMPANY, a Florida corporation, Appellant, v. Hector PEREZ, Jr., etc., Appellee.
No. 3D03-1062.
District Court of Appeal of Florida, Third District.
Jan. 12, 2005.
Rehearing Denied April 14, 2005.
Anania, Bandklayder, Blackwell, Baum-garten, Torricella & Stein, and Francis A. Anania and Maurice J. Baumgarten, Miami, for appellant.
Hunter, Williams & Lynch, and Christopher J. Lynch, for appellee.
Before GREEN, FLETCHER, and WELLS, JJ.

Opinion:
WELLS, Judge.
Insurer National Continental Insurance Company appeals an order granting class certification to a group of insureds, including Hector Perez, Jr., who claim that after their insurer's recovery from third parties, insureds were not fully compensated for their losses where their insurer returned only a prorated portion of their collision deductibles, calculated considering insureds' contributory negligence. In Monte De Oca v. State Farm Fire and Cas. Co., Consol. Nos.03-661, 03-1468, 897 So.2d 471, 2004 WL 2955008(Fla. 3d DCA December 22, 2004), we clarified that an automobile insurer will not be held to have violated the made-whole doctrine where it returns to its contributorily negligent insured a properly calculated prorated portion of insured's collision deductible after recovery in a subrogation action.
While the trial court did not abuse its discretion by confining its ruling to the only matter properly before it, certification of class, the analysis as set out in Monte de Oca, resolves this case and demonstrates why the order under review must be reversed.
Reversed and remanded.