A common issue that arises after a motor vehicle accident is whether the parties involved in the accident have insurance policies that provide coverage for physical and property damage. In some situations, this is easy to determine but in others questions may arise regarding whether a policy’s coverage extends to a driver or victim. As seasoned Chicago personal injury lawyers we are ready to assist you with protecting your rights after a car accident. We will assist with all aspects of the matter including negotiating with insurance companies on your behalf.
A recent case explored the limits of coverage for an insurance policy in a one-car accident. The accident involved a non-owned, uninsured vehicle. The passenger of the accident died as a result of his injuries. The passenger would occasionally live rent-free with his father’s ex-wife at the time of the crash and had been living there for six months. The ex-wife never officially adopted the passenger.
The ex-wife had three insurance policies that provided uninsured motorist coverage in the amount of $100,000 per person and $300,000 per accident. Two of the policies also provided coverage for medical expenses up to $10,000. The special administrator of the passenger’s estate asserted a claim for medical payment coverage and uninsured motorist benefits under the policies. The insurance company filed a declaratory judgment action seeking a statement that the decedent was not entitled to coverage benefits because he did not meet the definition of a “resident relative” under the policy provisions. He was not related to the insured by blood, marriage, or adoption on the date of the accident and did not primarily reside with her, according to their view.