Insurance companies are in the business of providing insurance, meaning that they are expected to turn a profit. As a result, insurance companies are constantly looking for ways to minimize the amount they must pay out regarding claims made against the people the company insures. In a recent case, an insurance company was successful in convincing a court that a chain-reaction accident was a single “accident” under the policy, and thus any recovery by the multiple plaintiffs involved was significantly limited.
Hughes v. Farmers Auto Insurance Association: The Facts
Back in April 2011, three vehicles were involved in a serious chain-reaction car accident that claimed the life of one and injured several others. According to the court’s written opinion, the driver of an SUV was traveling the wrong way on the highway when he struck an oncoming semi-truck. The truck’s driver had attempted to avoid the collision, but he was unable to do so, and the SUV struck the rear driver’s side portion of the truck.
Moments later, a motorcyclist approached the scene of the accident. The motorcyclist saw the truck pulled off to the side of the road with its hazard lights on, but he was unable to avoid a collision with the SUV, which now lay sideways blocking several lanes of traffic. The motorcyclist collided with the SUV. As a result of his injuries, the motorcyclist had to have one of his legs amputated below the knee. The driver of the semi-truck also suffered lingering pain in his shoulder. Sadly, the driver of the SUV died in the accident.
Maryland Motorcycle Accident Lawyer Blog

