The Supreme Court of the State of Delaware recently affirmed a lower court’s decision that allowed a school bus passenger to make a claim against the insurance covering the school bus after the plaintiff was hit by another vehicle while crossing the street to board the bus. The lower court ruling was opposed by the insurance company, which argued that the school bus was not directly involved in the accident, and the plaintiff’s injuries should not be covered.
Plaintiff Is Injured After Vehicle Fails to Stop for School Bus
The plaintiff in the case of Buckley v. State Farm was a girl who had intended to ride the bus to school when she was hit by another vehicle and injured. Before the crash, the school bus driver operated the equipment signaling other drivers to yield to crossing children and signaled the plaintiff to cross the street. As the plaintiff was crossing the street to board the bus, a driver failed to yield and struck the plaintiff, causing injuries. Although the school bus driver was not alleged to have been at fault for the accident, the plaintiff made a claim against the bus’ insurance coverage to compensate her for the injuries she sustained.
The Plaintiff’s Personal Injury Protection Claim Is Denied
The plaintiff made a claim against the defendant, who provided insurance coverage for the school bus under the Personal Injury Protection (PIP) coverage on the bus. Personal Injury Protection coverage is designed to cover any passengers of the insured vehicle, as well as any other person injured in an accident involving the covered vehicle, other than an occupant of another vehicle. State Farm denied the plaintiff’s initial claim, responding that her injuries were not caused by an accident involving the school bus for which they were providing insurance.


