Recently, a state appellate court issued a written opinion in a personal injury case involving a plaintiff who was seriously injured when she was struck by a golf cart while walking on a pathway in a 55+ community. Although the case was filed in a Florida court, it presents a common issue that arises in Washington, D.C. personal injury cases when an insurance company rejects an accident victim’s claim. Ultimately, the court concluded that the insurance contract should be interpreted to cover the plaintiff’s claim.
The Facts of the Case
The plaintiff was walking in the 55+ community where she lived when she was struck by a golf cart. The plaintiff sustained serious injuries as a result of the collision and filed a personal injury lawsuit against the driver of the golf cart.
Unfortunately, as is too often the case, the at-fault driver did not carry sufficient insurance to cover the cost of the plaintiff’s injuries. However, the plaintiff carried an insurance policy of her own, which contained coverage for accidents involving underinsured motorist protection. Thus, the plaintiff filed a claim with her own insurance company, hoping to obtain the difference between the total costs she incurred and the amount she was provided by the at-fault driver’s insurance policy.