Recently, a state appellate court issued a written opinion in a car accident case requiring the court to interpret the language of a statute defining an “uninsured vehicle” for the purposes of determining whether an accident is covered under an underinsured vehicle clause of an insurance policy. The case presents an important issue for Virginia accident victims insofar as it illustrates the difficulties victims may have when dealing with insurance companies after a serious accident.
Ultimately, the court concluded that the accident fell within a policy exclusion because the vehicle the plaintiff was operating at the time of the accident was “furnished for his regular use.”
The Facts of the Case
The plaintiff worked for a logging company. As a part of his job duties, he would transport lumber using a large company-owned truck. The agreement between the plaintiff and his employer allowed for the plaintiff to keep possession of the truck after work hours, although in practice the plaintiff usually dropped the truck off at his workplace before heading home for the day.