1.0 An
Excluded Driver: How A Colorado Driver, Jennifer Csaszar, Lost $500,000 Bodily
Injury Claim
1.1 Anger and
sorrow collided within Jennifer Csaszar, on the 19th day of June 2018. when
Honorable Justice Tymkovich denied her the sum of $500,000 bodily injury claim
in a lawsuit she initiated against her car insurance company, Auto-Owners
Insurance Company.
1.2
Information from a reliable source showed that while Jennifer Csaszar was
driving her Subaru Impreza motor car, it was reported that she was rear-ended
by an uninsured driver, and in the process, she sustained a severe brain injury
from a road accident.
1.3 The most
pathetic situation in the case of Jennifer Csaszar was that the uninsured
driver who rear-ended her Subaru Impreza motor car was reported to be at fault
completely in the road accident assessment report.
1.4 After the
unfortunate road accident, Jennifer Csaszar was reported to have filed a
$500,000 bodily injury claim before her insurance company, Auto-Owners
Insurance Company, which was denied due to an exclusivity clause in the auto
insurance policy of her mother.
1.5 Jennifer
Csaszar was said to have initiated a breach of contract lawsuit in the Colorado
District Court against Auto-Owners Insurance Company soliciting for $500,000
bodily injury claim.
1.6 The set of
attorneys for car accident claim hired by Auto-Owners Insurance Company prayed
the Colorado District Court to deny Jennifer Csaszar’s $500,000 bodily injury
claim on the basis that she was an excluded driver under the auto insurance
policy of her parents.
1.7 Disbelief
and sorrow crossed Jennifer Csaszar’s face when the Colorado District Court
denied her $500,000 bodily injury claim and regarded her as an excluded driver
in the new auto insurance policy.
1.8 Based on
the recommendations and advice of her attorneys for car accident claim,
Jennifer Csaszar was noted to have filed an appeal before the Tenth Circuit,
Court of Appeal, Denver, Colorado.
denver
Denver,
Colorado In the USA
Question:
What Is A
Bodily Injury Claim In The Context Of An Auto Insurance Policy In The United
State Of America?
Answer:
Click here to
continue
2.0 Auto
Insurance Policy: The Car Insurance Contract Between Jennifer Csaszar and
Auto-Owners Insurance Company
2.1 Information
gathered from a reliable source revealed that Mr. Frank Csaszar and Mrs. Nancy
Csaszar contacted the management of Auto-Owners Insurance Company for the
acquisition of an auto insurance policy.
2.2 At the end
of the negotiation, Mr. Frank Csaszar and Mrs. Nancy Csaszar were reported to
have purchased an auto insurance policy, and all the necessary car insurance
application forms were endorsed and submitted to Auto-Owners Insurance Company.
2.3 Pieces of
information obtained from a reliable source confirmed that Mr. Frank Csaszar
and Mrs. Nancy Csaszar included the name of their daughter, Jennifer Csaszar,
among the list of approved drivers under the newly purchased auto insurance
policy.
2.4 In the
auto insurance policy, an Audi, a Porsche, and Toyota motor cars were reported
to have been listed by Mr. Frank Csaszar and Mrs. Nancy Csaszar as approved
vehicles in the car insurance application forms.
2.5
Investigation conducted revealed that Mrs. Nancy Csaszar and her daughter,
Jennifer Csaszar jointly owned a motor car, Subaru Impreza, which was not
listed as an approved vehicle under the auto insurance policy with Auto-Owners
Insurance Company.
2.6 It was
observed that Mrs. Nancy Csaszar and her daughter, Jennifer Csaszar provided a
distinct auto insurance policy for Subaru Impreza with GEICO insurance company.
2.7 It was
reported that towards the expiration of the auto insurance policy, the
management of Auto-Owners Insurance Company sent a “Notice of Non-Renewal” to
Mr. Frank Csaszar and Mrs. Nancy Csaszar, to express its concerns about the
driving records of their daughter, Jennifer Csaszar.
2.8 The
content of the said “Notice of Non-Renewal” stated that Auto-Owners Insurance
Company would only renew the auto insurance policy provided that Mr. Frank
Csaszar and Mrs. Nancy Csaszar agreed in writing to exclude their daughter,
Jennifer Csaszar, in the subsequent car policy renewal.
2.9 In
response to the “Notice of Non-Renewal”, Mr. Frank Csaszar and Mrs. Nancy
Csaszar were reported to have agreed in writing to exclude the name of their
daughter, Jennifer Csaszar, in the next car policy renewal.
car-policy-renewal
Father &
Mother Reviewing A Car Policy Renewal Documents
Question
Car Policy
Renewal: What Are The Steps A Prospective Car Insurance Policyholder Needed To
Effect A Car Policy Renewal In The United State?
Answer:
(i) In the
United State, the process of a car policy renewal involved either making a
telephone call to an accredited car insurance agent or a car insurance office.
(ii)
Prospective car policyholders can also perfect their cars policies renewals
through physical contact with accredited car insurance agents or by personally
visiting the offices of car insurance companies near them in the United State.
(iii) The
following approaches will fast-track the steps involved while perfecting a car
policy renewal in the United State.
(a) Select A
Car Insurance Company: A prospective policyholder is expected to perfect his
car policy renewal with those car insurance companies which offer excellent
pre-sale, post-sale services, adequate coverage, and fair prices.
(b) Determine
A Suitable Car Policy Renewal: After making a selection of a car insurance
company, a prospective policyholder is expected to determine a suitable car
insurance policy that satisfied his critical needs. Car insurance companies in
the United State have different types of cars policies renewals for different
types of customers.
(c) Endorse
The Necessary Car Policy Renewal Forms: Those renewal forms will seal an
official car insurance contract between a prospective policyholder and a car
insurance company. A prospective car policyholder should be ready to provide
the following details in the process of car policy renewal. Full Name, Address,
Car manufacturer and model details, Car Registration Number, Previous Policy
Number, etc.
(d) Payment Of
Car Policy Renewal Premium: A car insurance Policyholder should make an
appropriate payment of premium to give a legal effect to the insurance deal
with his car insurance company.
3.0 Bodily
Injury Claim: How Uninsured Driver Rear-Ended Jennifer Csaszar
3.1
Information gathered showed that while Jennifer Csaszar was driving her Subaru
Impreza along the road, she was reported to have been rear-ended by an
uninsured driver suspected to be driving under the influence of hard drugs.
3.2 The road
accident investigation conducted revealed that the car accident which involved
Subaru Impreza was not attributable to the fault of Jennifer Csaszar but the
uninsured driver was said to be at fault in the road accident saga.
3.3 After the
unfortunate road accident, Jennifer Csaszar was hospitalized, as she was
reported to have sustained severe car accident bodily injury where her brain
was adversely affected.
3.4 It is on
record that the vehicle that was rear-ended, Subaru Impreza, was jointly owned
by Mrs. Nancy Csaszar and her daughter, Jennifer Csaszar, and most importantly,
the vehicle was insured by GEICO Car Insurance Company.
3.5 While in
the hospital, Jennifer Csaszar was reported to have filed a $300,000 bodily
injury claim before GEICO Car Insurance Company, and it was learned that she
was compensated to the turn of $300,000 for uninsured motorist coverage.
3.6 It was
gathered that Jennifer Csaszar also filed a $500,000 bodily injury claim before
Auto-Owners Insurance Company a compensation claim for a brain injury she
sustained in a car accident.
3.7 Jennifer
Csaszar was overcome by sweet sorrow and tears when Auto-Owners Insurance
Company denied her the alleged $500,000 bodily injury claim.
3.8 Based on
the legal advice of attorneys for car accident claim in the service of
Auto-Owners Insurance Company, it was reported that a lawsuit action was
instituted against Jennifer Csaszar before the United States District Court for
the District of Colorado.
3.9 Those
attorneys for car accident claims contested that the provisions in the auto
insurance policy must be respected, and most importantly the excluded-driver
provision which unambiguously barred Jennifer Csaszar from coverage.
3.10 The
bright day was darkened by the greatest sorrow before Jennifer Csaszar when the
District Court of Colorado denied her the alleged $500,000 bodily injury claim.
3.11 After the
District Court judgment, it was learned that Jennifer Csaszar filed an appeal
in the Tenth Circuit of the United States Court of Appeal, Denver, Colorado.
4.0 Attorneys
For Car Accident Claim: The Pleadings of Jennifer Csaszar and Auto-Owners
Insurance Company In Court Of Appeal, Denver, Colorado
4.1 While the
appeal was before the Colorado Appeal Court, it was gathered that Jennifer
Csaszar engaged the services of attorneys for car accident claim to challenge
the pronouncements of the District Court.
4.2 It was
reported that Jennifer Csaszar engaged those attorneys for car accident claim
namely, Stephen B. Shapiro, Shapiro Beijing Barber Otteson LLP, to pursue her
alleged $500,000 bodily injury claim.
4.3 The
argument conversed by the attorneys for car accident claim hired by Jennifer
Csaszar was that the excluded-driver provision only bars her from coverage when
she drives an Audi, a Porsche, and Toyota vehicles that were listed under her
parent’s auto insurance policy with Auto-Owners Insurance Company.
4.4 In furtherance
of her argument to impose a $500,000 bodily injury claim on Auto-Owners
Insurance Company, the attorneys for car accident claim hired Jennifer Csaszar
contended that she was driving her Subaru Impreza car when the uninsured
motorist rear-ended her contrary to any of Audi car, Porsche car, and Toyota
vehicle.
4.5
Conversely, the set of attorneys for car accident claims briefed by Auto-Owners
Insurance Company were reported to have refuted the arguments adduced by
Jennifer Csaszar.
4.6 Those
attorneys for car accident claim prayed the Appellate Court not to grant the
alleged $500,000 bodily injury claim because Jennifer Csaszar had been removed
from the list of approved car drivers under the auto insurance policy of Mr.
Frank Csaszar and Mrs. Nancy Csaszar.
4.7
Furthermore, even though the management of Auto-Owners Insurance Company had
expressed its sympathy with Jennifer Csaszar over her brain injury, it was
reported that the attorneys for car accident claim argued the court to deny her
the alleged $500,000 bodily injury claim because Mr. Frank Csaszar and Mrs.
Nancy Csaszar had agreed in written to exclude her in the car policy renewal.
Question: How
To Find An Excellent Attorney For Car Insurance Claims In The United State?
Answer:
(i) Car
accident-related cases most especially those that involved bodily injury claims
are usually complex to handle in the United State nowadays.
(ii) Most of
the victims of road accidents usually abandon their cases because they are
hospitalized, under the medical care of doctors, and receiving treatments.
(iii) While
under medical care, relatives or friends of a road accident victim can access an
attorney for an insurance claim to defend the case of the victim through the
following ways:
(a) Nolo's
Lawyer Directory: www.nolo.com
This online
platform connects a road accident victim to pools of competent attorneys for
the car insurance claim. On this website, victims of road accidents are
expected to provide answers to a few online questions as they relate to the
alleged roads accidents. Subsequently, an attorney for a car insurance claim
shall contact the road accident victim from the contact information provided.
(b)
Lawyers.Com Website Directory: www.lawyers.com
This online
platform provided ample opportunities for road accident victims to search for
attorneys for car accident claims close to the localities in the United State.
(c) Avvo.Com
Website Directory: www.avvo.com
This
website provided the top lawyer website in America where victims of road
accidents can access top-rated and experienced attorneys for car insurance
claims and seek free legal advice in no time.
attorney-for-car-insurance
Two Attorneys
For Car Insurance
5.0 The
Judgement Of The Appellate Court On The Excluded Driver Provision In The Auto
Insurance Policy
5.1 There was
a pathetic expression of disappointment on the face of Jennifer Csaszar when
the Appellate Court affirmed the verdict of the district court to deny her the
sum of $500,000 bodily injury claim.
5.2 The judges
of the Appellate Court namely, Chief Judge Tymkovich, Justice Briscoe, and
Justice Bacharach, were reported to have unanimously said that the excluded-driver
provision had expressly barred Jennifer Csaszar from all coverages including
uninsured motorist or underinsured motorist coverage, for injury arising from
her operation of any automobile.
Question:
Who Is An
Excluded Driver In The Automobile Insurance Industry In The United States Of
America?
Answer:
(i) An
excluded driver in the context of an auto insurance policy is a person who
resided in the household of a car policyholder. and who has been categorically
excluded from coverage under a car insurance policy.
(ii) The names
of excluded drivers are usually stated in the auto insurance policy of a car
policyholder under the category “EXCLUDED”.
(iii) The
legal implication of excluded drivers in an auto insurance policy of a car
policyholder is to absolved a car insurance company of any compensation claims
(bodily injury and property damaged) in the event those excluded drivers drive
and have car accidents with the listed cars under a car insurance policy.
(iv) In
simplicity, an excluded driver is a person who is not covered while driving or
operating an insured vehicle in an auto insurance policy.
(v) Under the
concept of permissive use, every person who operates or drives an insured
vehicle will be covered by a car insurance company in the United State except
the driver has been specifically excluded in an auto insurance policy as an
excluded driver.
(vi)
Permissive Use implies that a car insurance company will be liable to provide
coverage where a car policyholder has permitted somebody to drive or operate
his motor vehicle. The damage attributable to such a permissive driver which
affected other road users or car drivers will be covered by the insurance
company.
(vii) The Car
insurance company will not be liable to pay compensation if a car policyholder
does not give a ‘permission use’ to an accident driver.
excluded-driver
An Excluded
Driver
6.0 Editorial
Opinions – The Impacts Of The Excluded Drivers' Provision In The Auto Insurance
Policy
6.1 In the
case under review, it is a fact that the renewal of the auto insurance policy
between Mr. Frank Csaszar and Mrs. Nancy Csaszar, and the Auto-Owners Insurance
Company was a different insurance contact, distinct from the insurance deal
which involved Jennifer Csaszar.
6.2 The terms
and conditions attached to the auto insurance policy had been modified when Mr.
Frank Csaszar and Mrs. Nancy Csaszar agreed in writing to remove the name of
their daughter, Jennifer Csaszar from the car policy renewal as an excluded
driver.
6.3
Auto-Owners
Insurance Company had respected the insurance principle of utmost good faith in
the entire insurance contract deal for disclosing to Mr. Frank Csaszar and Mrs.
Nancy Csaszar in a notification correspondence to exclude their daughter,
Jennifer Csaszar, from the list of approved drivers to operate an Audi, a
Porsche, and a Toyota.
6.4 After her
exclusion from the list of approved drivers under her parent’s auto insurance
policy, Jennifer Csaszar cannot eat her cake and have it back. She remains an
excluded driver.
6.5 The
agreement of Mr. Frank Csaszar and Mrs. Nancy Csaszar to exclude Jennifer
Csaszar in the car policy renewal deal had jeopardized their daughter’s
interest in being compensated over her alleged $500,000 bodily injury claim.
7.0 Advice To
Car Policyholders In America: The Principle Of Indemnity Versus The Concepts Of
Endorsement & Exclusivity
7.1 In this
paragraph, the editor educates automobile
policyholders
in the United State of America on the concepts of exclusivity
&
endorsement, and the principle of indemnity as it relates to the case of
Mr. Frank Csaszar,
Mrs. Nancy Csaszar, Jennifer Csaszar, and Auto-Owners
Insurance
Company.
7.2 For
clarity, the concept of endorsement in a car insurance
policy is an
amendment or an addition made to the existing policy. The concept
of endorsement
allows a car policyholder to add, delete, alter or eliminate any
parts or terms
under the policy coverage.
7.3 The
renewal of the car insurance policy where the parent of Jennifer Csaszar had
agreed to the remove her name as an approved driver
constituted an
endorsement.
7.4 Car
policyholders should note that no indemnity for an
excluded
driver in the event of a road accident in the United State; file your
car insurance
policy with caution.
8.0 Readers’
Opinions - Post Your Comments
7.1 In this
section, our readers are enjoined to express their personal opinions below on
the concept of car policy renewal as it affects Jennifer Csaszar and
Auto-Owners Insurance Company.
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