1.0 How
An Appellate Court Denied Kevin Whitledge Auto Accident Claim In The State of
Indiana, America?
1.1 On 20th day of
May 1992, was a day of double jeopardy for Kevin Whitledge, an Indiana Car
Driver, when the three panels of justices, namely, Chief Judge Ratliff, Justice
Baker, and Justice Sullivan at the Court of Appeals of Indiana, First District,
in a unanimous judgment further denied him auto accident claim expected to be
accruable from his insurance company, West American Insurance Company (WAIC), despite
car accident bodily injury he sustained while resisting set of car snatchers in
the State of Indiana.
1.2 It was gathered
that the legal suit initiated by Kevin Whitledge in the trial court before
Justice Thomas Lockyear sitting in the Vanderburgh County Superior Court in
Indiana to impose an auto accident claim on West American Insurance Company
(WAIC) had failed to yield the expected results which necessitated a review in
the Court of Appeals of Indiana, First District.
1.3 While making his
final pronouncement on the auto accident claim in the Court of Appeals, the
Presiding Judge, Chief Judge Ratliff was reported to have ruled that West
American Insurance Company (WAIC) had issued an auto policy on the vehicle
which injured Kevin Whitledge.
1.4 Furthermore,
Chief Judge Ratliff, Justice Baker, and Justice Sullivan were reported to have
concluded that Kevin Whitledge was not entitled to an auto accident claim
because the vehicle which injured him was an insured vehicle and the trial
court did not make legal mistakes in denying uninsured motorist claim to him.
Question:
What Is An Auto Accident Claim In The
Automobile Industry In The United State Of America?
Answer:
(a) Auto accident claim is an official request
initiated by an automobile policyholder for compensation from a car insurance
company for monetary reward for property damage and the treatment of a bodily
injury sustained by an accident victim in a car accident.
(b) Auto accident claim is a formal notice to
a car insurance company that an automobile policyholder has suffered a loss,
either bodily injury or damaged property that he believed entitles him to
compensation.
(c) In the context of an auto accident claim,
a car insurance company is expected to be liable to indemnify an automobile
policyholder provided the nature of the incidence has been covered in the
automobile insurance policy.
(d) In some situations, most especially when
an automobile policyholder is at fault in a car accident, an auto accident
claim is usually initiated by car accident victims, who may either be a
passenger or other car driver, for monetary compensation against the automobile
policy of at-fault driver before his or her car insurance company.
(e) In this situation, an automobile
policyholder whose auto accident claim has been made has some responsibilities
to discharge to his or her insurance company.
(f) An automobile policyholder has a
responsibility to disclose detailed information to his or her car insurance
company concerning a car accident with other car drivers which may eventually
result in auto accident claims being initiated by those other parties.
(g) In addition to an auto accident claim,
while disclosing a car accident report to his or her car insurance company, the
automobile policyholder is expected to provide the facts of the car accident,
and he or she should not admit accident fault, even if he or she has been
suspected to have contributed to the car accident.
(h) The major essence of this is to enable a
car insurance company to prepare ahead for timely car accident investigation
and immediate auto accident claim reimbursement to the car accident victim.
(i) In practice, car insurance companies
mostly in the United State of America, often carry out auto accident claim
investigations to determine the validity of such claims.
(j) Those investigations procedures assist car
insurance companies to make informed decisions about how to proceed with auto
accident claims.
(k) Furthermore, auto accident claim
investigations are strategies being adopted by car insurance companies to fight
some reported cases of false or inflated auto accident claims.
(l) Some examples of auto accident claims
included car repairs, medical bills, lost income, and pain and suffering.
Indianapolis
Indianapolis
2.0 The Auto Policy
Contract Among Kevin Whitledge, James Jordan, And West American Insurance
Company
2.1 It was gathered
that Mrs. Charlene Whitledge who resided in the State of Indiana was reported
to have contacted West American Insurance Company (WAIC) for an acquisition of
an auto policy for his motor vehicle.
2.2 At the end of
the negotiation, she was noted to have bought an auto policy for her car from
(WAIC). It was learned that she paid a car insurance premium to seal the
insurance deal.
2.3 Furthermore, it
was reported that she also acquired uninsured vehicle coverage for her car from
(WAIC). Being a supplementary auto policy, a distinct premium was reported to have
been paid for the additional uninsured vehicle coverage.
2.4 It was reliably
gathered that in the uninsured vehicle coverage provisions expressly excluded
any family member from the list of the approved drivers under the auto policy.
2.5 Information
revealed clearly that necessary insurance paper documents were signed between
Mrs. Charlene Whitledge and (WAIC) in respect of the newly acquired auto policy
and uninsured vehicle coverage.
auto-accident-claim
An Automobile Declaration Page
Question:
What is an auto policy? Or What is an
automobile liability policy?
Answer:
(a) An auto policy is a contractual
relationship between an insurance company and a car owner where the insurance
company has agreed to pay for automobile property damage and bodily injury
claim of a victim in the event of an accident caused by the car owner.
(b) For Example, Mr. Jackson purchases a state
farm standard auto policy for his Toyota Car from State Farm in the United
State of America. Before the expiration of the auto policy, Mr. Jackson had a
collision with the Mitsubishi car of Mr. Benson which was said to be damaged.
In the aforesaid road accident, Mr. Benson was hospitalized haven sustained
bodily injuries.
(c) In the context of an auto policy, State
Farm is expected to compensate Mr. Benson for his auto accident claim to
include a damaged car and show responsibility for the bodily injury claim of
Mr. Benson to include Medical Expenses, Pain and suffering, Prescriptions, Lost
wages.
3.0
Uninsured Vehicle Coverage: How Car Snatchers Attacked Kevin Whitledge
3.1 It was
learned that one of the sons of Mrs. Charlene Whitledge, namely Kevin
Whitledge, was alleged of using the auto policy and uninsured vehicle coverage
of her mother.
3.2 Kevin
Whitledge was reported to have assumed that the uninsured vehicle coverage of
her mother's vehicle protected him against any bodily injury he might sustain
in the event of a car accident.
3.3 Sometimes
in January 1989, Kevin Whitledge was reported to have parked his car in a
popular car park close to his office.
3.4 On the
misfortune day, Kevin Whitledge was reported to have observed clearly that
two-car snatchers were making efforts to steal his vehicle parked at the
aforesaid car park.
3.5 Instead
of Kevin Whitledge calling the assistance of Indiana Police Men to arrest the
two notorious car snatchers, he was reported to have summoned courage and
confronted the gang stares.
3.6 The two
notorious car snatchers were reported to have overpowered Kevin Whitledge in
the survival of the fittest fight over the control of the aforesaid car.
3.7 In the
course of struggling inside the car with those two car snatchers, Kevin
Whitledge was said to have been entangled in the driver's shoulder harness by
those notorious gang stares.
3.8 Unfortunately
for Kevin Whitledge, he was trapped inside the car, and one of the car
snatchers namely, James Jordan drove the aforesaid vehicle for some distances
in the process, Kevin Whitledge was reported to have sustained severe bodily
injury.
3.9 Relying
on the uninsured vehicle coverage of her mother, Kevin Whitledge was said to
have filed an auto accident claim before (WAIC) soliciting for an uninsured
motorist claim in respect of bodily injuries he sustained while resisting those
set of car snatchers from stealing his car.
3.10 A
reliable source disclosed that (WAIC) denied Kevin Whitledge’s auto accident
claim, and he was reported to have hired the services of car accident claim
lawyers to institute a legal suit before Justice Thomas Lockyear who sat in the
Vanderburgh County Superior Court in Indiana against (WAIC).
3.11 Unfortunately
for Kevin Whitledge, the arguments adduced by those car accident claim lawyers
were not enough to convince Justice Thomas Lockyear, and subsequently judgments
were reported to have been given against him at the Vanderburgh County Superior
Court.
3.12 Kevin
Whitledge with his set of car accident claim lawyers was reported to have
expressed discomfort with the rulings of Justice Thomas Lockyear, quoting
several judicial errors in the judgment of the trial court.
3.13 After due
consultations with other car accident claim lawyers, Kevin Whitledge was said
to have filed an appeal in the Court of Appeals.
uninsured-vehicle-coverage
Indiana Car Snatchers
Question: What is Uninsured Vehicle Coverage?
Answer: Click here to continue.
4.0 The Pleadings Of
The Car Accident Claim Lawyers Hired By Kevin Whitledge And West American
Insurance Company.
4.1 While the appeal
was before the Court of Appeals of Indiana, Kevin Whitledge was reported to
have hired the services of car accident claim lawyers in the United State of
America to pursue his auto accident claim.
4.2 Among the car
accident claim lawyers in the United State of America he hired their services
included Thomas Lockyear, J. Matt Parmenter, Gerling Law Offices, P.C.,
Evansville.
4.3 The argument
conversed by those car accident claim lawyers of Kevin Whitledge before the
appellate court was that James Jordan was an uninsured motorist driving an
uninsured vehicle that inflicted severe bodily injury on their client.
4.4 Furthermore,
those car accidents claim lawyers pleaded before the court that he was entitled
to an auto accident claim because James Jordan had no authorized permission to
drive the vehicle which inflicted severe bodily injury on their client.
4.5 Conversely,
(WAIC) was reported to have contacted some car accident claim lawyers to defend
its positions before the Court of Appeals.
4.6 Findings
revealed that (WAIC) hired the services of car accident claim lawyers that
included Stephen Hensleigh Thomas, Brent A. Raibley, Statham, Johnson McCray,
Evansville before the Court of Appeals.
4.7 Those car
accidents claim lawyers claimed that (WAIC) had no insurance settlement or
obligation to Kevin Whitledge concerning the bodily injuries he sustained while
resisting James Jordan from stealing his vehicle.
4.8 The car accident
claims lawyers hired by (WAIC) advocated that (WAIC) had already issued
uninsured vehicle coverage to Mrs. Charlene Whitledge on the same motor vehicle
which James Jordan drove to inflict bodily injury on Kevin Whitledge.
Question:
Who Is A Car Accident Claim Lawyer, And What
Are The Duties Of A Car Accident Claim Lawyer?
Answer:
(a) A car accident claim lawyer is a licensed
professional who practices insurance law in the United State of America. A car
accident claim lawyer provides legal advice most especially in the area of auto
accident claims where their clients are involved.
(b) A car accident claim lawyer also
negotiates insurance settlements or litigates bad faith cases in court on
behalf of their clients. A car accident claims lawyer guides policyholders on
the prosecution of auto accident-related lawsuits, or legal rights and
obligations.
(c) A car accident claim lawyer Interprets
insurance laws most especially automobile statutes, rulings, and regulations
for individuals and businesses. A car accident claim lawyer analyzes the
probable outcomes of automobile-related cases, using knowledge of legal
precedents.
car-accident-claim-lawyers
Car Accident Claim Lawyers
5.0 The Judgement Of
The Court Of Appeals Of Indiana On Uninsured Vehicle Coverage
5.1 After
entertaining the arguments of Kevin Whitledge and West American Insurance
Company through their car accident claim lawyers, the three Panel of Justices
namely Chief Judge Ratliff, Justice Baker, and Justice Sullivan ruled that they
do not find that the trial court was erred in law while summary judgment was
given in favor of (WAIC) to deny Kevin Whitledge coverage concerning uninsured
motorist claim.
5.2 Those three
Panels of Justices agreed with the car accident claim lawyers hired by (WAIC)
that James Jordan was driving an insured motor vehicle that injured Kevin
Whitledge.
5.3 It is only when
James Jordan drives an uninsured vehicle, (WAIC) that could be liable to
compensate Kevin Whitledge for the bodily injury he sustained.
Question:
How To Purchase An Auto Policy Online In The
United State Of America?
Answer:
(a) To make the acquisition of auto policy
easy and convenient in the United State of America, insurance companies in the
country have set up online auto policy portal registration.
(b) Before the introduction of online auto
policy portal registration, car policyholders in the United State of America
have been hiring the services of car insurance agents.
(c) Those car insurance agents are licensed by
insurance companies to sell an auto policy to prospective buyers of auto policy
on their behalf in the United State of America.
(d) To buy an auto policy online, the following
procedures are expected to be followed by car policyholders.
(i) Source For Auto Policy Quote Online: Car
policyholders can purchase an auto policy online through the websites addresses
of car insurance companies in the United State of America.
(ii) Make A Comparison of Auto Policy Quotes
Online: Car policyholders are expected to make a reasonable comparison of
prices of different auto policy quotes across different websites of car
insurance companies.
(iii) Select A Suitable Auto Policy Coverage:
After a reasonable comparison of auto policy quotes, car policyholders should
be in better positions to select a suitable auto policy among the various
coverage available on the websites of those insurance companies.
(iv) Make Online Payment For Auto Policy: Car
policyholders are expected to make online payments which may be either through
a credit card or bitcoin, etc.
(v) Print-Out Receipt Of Premium: Usually,
insurance companies dispatched receipts of premiums to the email addresses of
car policyholders.
how-to-buy-auto-policy-online
How To Buy Auto Policy Online
6.0 Editorial
Opinions On Uninsured Vehicle Coverage
6.1 Automobile
insurance industry in the United State of America is a type of business
operation which is majorly regulated by the concept of Utmost Good Faith
popularly called Ubberimae Fidei: parties in the insurance deal are expected to
make full declarations of all material facts in the insurance proposal.
6.2 In the case
under review, the fact states that (WAIC) had already excluded any family
member of Mrs. Charlene Whitledge from the list of approved drivers under the
uninsured vehicle coverage as stated in the car insurance proposal form.
6.3 In simplicity,
the uninsured vehicle coverage of Mrs. Charlene Whitledge never made indemnity
for bodily injuries sustained by Kevin Whitledge in any car accident.
6.4 The arguments
adduced by the car accident claim lawyers of Kevin Whitledge cannot stand
before the law because the uninsured vehicle coverage had excluded him from any
monetary compensation.
6.5 From the legal
point of view, Kevin Whitledge who is the son of Mrs. Charlene Whitledge
remained excluded under uninsured vehicle coverage. He is not expected to reap
where he did not soul.
6.6 Furthermore,
(WAIC) could be liable to pay an auto accident claim if James Jordan drives an
uninsured vehicle. But here, the reverse is the case.
7.0 Advice
To Car Policyholders In America: The Concept Of Exclusivity Versus The
Principle Of Indemnity
7.1 This
section is designed to educate car insurance policyholders in the United State
of America on the concept of exclusivity, and the principle of indemnity as it
relates to the case of Kevin Whitledge, James Jordan, and West American
Insurance Company.
7.2 For
the purpose of clarification, the sole purpose of the principle of indemnity is
to compensate a party for harm in connection with the other party's actions.
The principle of indemnity shifts liability away from one party (car
policyholder), and onto the indemnifying party (a car insurance company).
7.3 In
the case under review, West America Insurance Company must indemnify Kevin
Whitledge over his bodily injury provided that he was an insured driver in the
auto policy. In this case, Kevin Whitledge had been excluded under the car
insurance policy.
7.4 Prospective
car policyholders in the United State of America are advised to be careful
while filing the exclusion section of car insurance policies because no
indemnity for an excluded driver.
8.0 Readers’
Opinions - Post Your Comments
8.1 We appreciate the expressions
of personal opinions of our readers below as it affects Kevin Whitledge, James
Jordan, and West American Insurance Company.
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