The Delaware Supreme Court recently released a decision in which they affirmed a lower court’s ruling that allowed a plaintiff to make a claim against the personal injury protection (PIP) insurance coverage of a school bus for injuries she sustained when another vehicle hit her after she had been signaled by the bus driver to cross the street and board the bus. The decision noted that school buses play a unique role in American society and operate under a specific set of rules and regulations regarding how passengers and other vehicles must act while the bus is in operation. As a result of the recent ruling, the plaintiff will be compensated for her injuries from the PIP benefits that covered the school bus at the time of the accident.
The Plaintiff Is Injured by another Vehicle While Crossing the Street to Board the School Bus
The plaintiff in the case of State Farm v. Buckley was a student who intended to take the bus that was insured by the defendant to school on a day in March 2012. After the bus driver initiated the red flashing lights and stop sign to signal other vehicles to stop, the driver signaled the plaintiff to cross the street and board the bus. While she was crossing the street at the direction of the bus driver, another vehicle failed to stop and struck the plaintiff, causing injuries.
The Plaintiff’s PIP Claim with the Insurance Covering the School Bus Is Initially Denied
After sustaining her injuries, the plaintiff made an insurance claim with the defendant, who insured the school bus. Under Delaware law, PIP benefits are applicable to any occupant of a motor vehicle involved in an accident, as well as any other person injured in an accident involving the insured vehicle, other than an occupant of another vehicle. In response to the initial claim, the defendant refused to extend the PIP benefits to the plaintiff, stating that the plaintiff’s injuries were not caused by an accident that involved the covered vehicle.
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