In April 2008, my client was a passenger on a motorcycle when the driver lost control of the bike and crashed while going around a turn. See St Louis Personal Injury Attorney Article: "Illinois Uninsured Motorcycle Accident Injury - Uninsured Coverage as a matter of Public Policy". We were able to overcome multiple factual and legal hurdles in this case and end up with an excellent result for our injured client.
First major obstacle was that our client was knocked unconscious by the motorcycle crash and the driver, in an obvious attempt to avoid the police, took her to a hospital several hours away where his mom worked as a nurse. Needless to say, the police were never contacted and an incident report was never done. This was a major problem because if the accident is not documented the insurance company will immediately claim it never happened. By the time my firm was contacted, the local Belleville police refused to take a report , claiming they cannot take a report since it had been two months since the accident.
After several months of investigation, we were able to track down the driver of the motorcycle and also identify the owner. The driver was incarcerated and refused to speak with our office. however, through the course of the case we were able to establish that the owner did not have insurance on the motorcycle, and therefore, the driver was an uninsured motorist. This allowed for the claim to be made through our client's uninsured motorist coverage through Shelter Insurance. For a discussion about uninsured (UM) and under-insured (UIM) motorist coverage, see St Louis Car Accident Lawyer article: "Missouri Underinsured and Uninsured Insurance Coverage & Which Policy Applies Mine or the Owner of the Car?"
The issue of uninsured motorist coverage was a little complicated in this case as our client was a Missouri resident and her uninsured motorist coverage was through a Missouri policy which dictated venue and choice of law in Missouri. However, it was more beneficial to have the case in Belleville Illinois, primarily because the likely jurors are more likely to be Plaintiff friendly as opposed to the Missouri venue we may have been forced to be in.
Knowing this, Shelter tried to get the case dismissed and force us to file in Missouri and in their home county, Shelter relied on the Illinois Insurance code that requires that all insurance policies "renewed, delivered, or issued for delivery in this state [Illinois]" contain a mandatory arbitration clause with respect to uninsured motorist claims. See 215 ILCS 5/143a. However, the policy was not renewed or delivered in Illinois, therefore, the mandatory arbitration did not apply; therefore we filed a Response to the Motion to Dismiss and the Judge ruled in our favor and Ordered the case to remain in Illinois by denying Shelter's motion to dismiss.
Initially, our client thought she had a total of $50,000 in Missouri UM coverage, however we were able to identify additional UM coverage through other insured vehicles and raised the UM limit to $150,000 through stacking the polices. For information about stacking UM coverage see St Louis Motorcycle Lawyer article covering Stacking: "St Louis Missouri Motorcycle Accident and Injuries - Driver Inattention and Struck Motorcyclist when Changing Lanes - Uninsured Motorist Claim"
In the end the case settled for $130,000, our client did not expect the case to be worth anywhere near that amount and was very happy with the outcome. This settlement was the result of persistent legal work and investigation to fining all possible theories of liability and insurance coverage available.
