In the aftermath of a truck accident, injured victims may struggle to cover the related costs, ranging from medical bills to lost wages. One commonly used solution is to file a civil lawsuit against the party responsible for the accident and resulting injuries and hold them liable for the costs. While this process is greatly beneficial for many accident victims, it can become complicated by insurance companies. Auto insurance is meant to help cover victims when accidents occur, but insurance companies are notoriously resistant to paying out compensation and may make the process increasingly frustrating for people who are injured.
A recent state appellate case demonstrates how insurance disputes can slow down the process of receiving compensation. According to the court’s written opinion, a semi-tractor trailer was hauling logs early one morning in December 2013 when the plaintiff’s vehicle collided with the logs extending from the back of the trailer. As a result, the plaintiff suffered severe and permanent injuries, including a spinal cord injury. According to the complaint, the medical expenses incurred as a result were over $1,000,000.
The plaintiff filed a complaint against several defendants, including the semi-tractor trailer’s insurer, which was the focus of this case. The insurance company filed multiple subsequent motions and defenses, including a motion for summary judgment, arguing that there was no coverage for the incident because the policy excluded incidents involving the truck driver who was driving at the time of the accident. The insurance company also disputed the uppermost limit of coverage in this case, arguing for the state’s minimum coverage of $100,000 rather than the federal minimum coverage of $750,000. In addition, and to complicate the case further, the insurance company claimed that the state court did not have proper jurisdiction to hear this case.