A victim injured in a car accident must adequately plead and prove several elements in order to recover damages for any resulting pain and suffering. In most cases, each driver’s automobile insurance carrier will be involved in the court action to some extent. Under certain circumstances, a driver’s insurance carrier could attempt to legally deny coverage, thereby rendering the driver “uninsured.” When this happens, the injured party could potentially seek “uninsured motorist” (“UM”) benefits from his or her own policy. Claims arising under a UM policy are complicated and require strict awareness and attention to detail. If you have been injured in a car accident, it is important to consult with an experienced Atlanta injury attorney, who is fully familiar with the most effective way to recover damages for your injuries under the local laws.
Under Georgia law, an insured motor vehicle could effectively become uninsured, when a driver’s liability carrier denies coverage, as long as that denial is legal. In a recent case, Castellanos v. Travelers Home & Marine Insurance Company (Ga. Ct. of App. 2014), the plaintiff was injured in a car accident due to the negligence of another driver, Jose Santiago. The plaintiff’s car was insured by Travelers, and he was also a named insured under a UM policy. The plaintiff sued Santiago for his injures. Santiago’s insurance carrier, United Automobile Insurance Company (“United”), defended the case.
The plaintiff also served his UM carrier, Travelers. The case proceeded to trial, but Santiago did not attend, and a jury ruled in favor of the plaintiff. The plaintiff then sought to recover payment of the judgment from United as Santiago’s liability carrier. United denied coverage, based on Santiago’s lack of cooperation in the defense of the lawsuit and the failure to attend the trial. The plaintiff then sought payment from Travelers under the UM policy. Once Travelers failed to pay UM benefits, the plaintiff filed this lawsuit, alleging, among other things, that Travelers’ refusal to pay UM benefits was made in bad faith.
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