Anyone who has been injured in a South Florida car accident knows how difficult it can be dealing with insurance companies. In many cases, insurance companies will seek out ways to settle claims for as little as possible or deny claims outright. Earlier this month, an appellate court in Rhode Island issued a written opinion in a car accident case involving a passenger’s claim against the driver’s uninsured motorist protection policy. The court concluded that the insurance company improperly denied coverage because the woman was “occupying” the vehicle at the time of the accident, and her claim should have been approved.
The Facts of the Case
The plaintiff was the passenger in a friend’s car. The two were on their way to the grocery store and had pulled into the parking lot when they began talking in the car. As they were talking, the plaintiff heard a loud bang and turned her head to see that two cars had collided on an adjacent road.
The plaintiff exited her friend’s vehicle and approached the scene of the accident. She walked around the back of one of the vehicles involved in the accident to get its license plate number. As she was looking down at the license plate, another vehicle crashed into one of the cars involved in the initial accident. The plaintiff was struck by one of the cars and was injured as a result.