Earlier this month, an appellate court in Mississippi issued a written opinion that should serve as a warning to anyone injured in a motorcycle accident and planning on filing a claim with either the other driver’s insurance company or even their own insurance company. The case presented the court with the opportunity to discuss how an insurance policy’s per-person limit can limit or prevent derivative claims from being filed by the loved ones of the injured party.
The Facts of the Case
The case was filed by two plaintiffs, who were married. The husband was involved in a motorcycle accident that was caused by another party. His wife was not with him at the time of the accident. After the accident, three insurance provisions were triggered:
- The at-fault driver’s policy;
- The plaintiffs’ insurance policy that covered the motorcycle; and
- The plaintiffs’ insurance company that covered two other vehicles.
Both of the plaintiffs’ policies had an underinsured motorist provision, whereby the policy would compensate the policyholder in the event that an at-fault driver’s insurance coverage was insufficient to cover the policyholder’s injuries.