Many times in an auto accident case, a defendant will have only a limited amount of automobile insurance, or perhaps no insurance at all. When this happens, plaintiffs can try to recover against their own insurance company under an uninsured motorist claim. While uninsured motorist claims are usually used when third-party defendants don’t have insurance, some plaintiffs have tried to creatively plead them to apply to their own vehicles or vehicles they drive. A recent case illustrates this attempted approach.
In this Georgia truck accident case, J.H. was injured as a result of an accident involving a truck he drove for work. J.H. worked for M.R., doing business as Rose Logging. J.H. drove a large logging truck for M.R. for work. He could return the truck to work at the end of his shift or drive it home. At the time the accident occurred, J.H. was driving the truck from a logging site to a wood yard when two of his tires blew out. J.H. pulled over to the side of the road to replace the tires. M.R. arrived to assist him in putting a replacement tire on that could be used to drive the truck to a repair site to have both tires replaced.
M.R. began inflating the replacement tire and then turned it over to J.H. to finish. While the tire was inflating, it blew off the wheel and struck J.H., causing him serious injuries. J.H. made a claim against Rose Logging’s insurer and received $100,000, the limit of that policy. However, J.H.’s injuries exceeded $100,000, so J.H. then brought a claim under his own insurance policy against his insurance provider for an uninsured motorist claim. J.H.’s insurer moved for summary judgment, and the court granted the summary judgment motion, finding that J.H.’s truck was not an uninsured vehicle under Georgia’s statutes. J.H. appealed.