I don't normally post about specific automobile accidents and crashes. However, every once in a while the facts of a specific crash makes think about making a point.
In a recent crash that happened in Springfield Township, Bradford County, two vehicles collided on Springfield Road (State Route 4014). You can read the entire article from the Towanda Daily Review here.
It is not clear from the article as to who caused the accident; however, it is clear that it was a significant accident. Just see the picture of one of the vehicles on its roof. The article indicates that both drivers were seriously injured and taken to the hospital. What struck me, though, is that Miss Brown had a four (4) year old in the car who was not injured.
I am sure the reason this child had no injuries, even though everyone else involved in the accident had serious injuries, was because of the child safety seat. The reason that I am blogging about this accident is because you can thank trial lawyers and consumer advocates for the child safety seat laws. Miss Brown’s child was not injured because of what we do every day. On March 4, 2009 Judge O'Neill in the Eastern District of Pennsylvania granted Allstate Insurance Company's Motion for Summary Judgment in Willett v. Allstate Insurance Company where the Estate of an insured was arguing that a claim for underinsured motorist (UIM) benefits was allowed even though the law in the state of Maine, where the decedent's accident occurred, has a statutory cap on the amount of monies that can be recovered for non-economic damages in a wrongful death action.
David Willett (Willett) was killed in a car accident which occurred in Maine. At the time of the accident he resided in Pennsylvania with his mother and was insured under her Allstate policy which provided for $100,000 in UIM benefits unstacked. The third party had a total amount of coverage (liability and umbrella) of $1,250,000. Pursuant to the laws in Maine the Estate received only the statutory cap of $400,000 for non-economic damages and the total award, with the additional expenses, was $454,249.
The Estate pursued the UIM claim in Pennsylvania against Allstate and was providing a full credit for the full $1,250,000. The District Court decision by Judge O'Neill holds that Allstate is not required to make any UIM payment because the application of the statutory cap in Maine precluded the UIM claim. He finds that the Pennsylvania Supreme Court decision in Cipolla v. Shaposka, 267 A.2d 854 (Pa. 1970) is controlling and on point. He distinguishes the Willett situation from the Pennsylvania Supreme Court decision in Kmonk-Sullivan v. State Farm Mutual Auto. Ins. Co., 788 A.2d 955 (Pa. 2001) because he writes that the Kmonk case (1) involved Pennsylvania accidents and not one from another state, (2) no party argued another state law was applicable, (3) there was no choice of law issue in Kmonk and (4) the Court in Kmonk did not cite, discuss or overrule Cipolla.
He holds that the statutory cap under the laws in Maine make the estate NOT "legally entitled" to recover UIM benefits and thus, no UIM monies are to be paid.
Thanks again to Attorney Scott Cooper for providing this information.