1.0 How Bert Cole Lost Car Insurance Claim?
1.1 Sorrow and rage pierced Bert Cole to the core on the 24th
day of July 1991, when Honorable Justice De Muniz at the Court of Appeals,
Oregon, denied him the sum of $83,582:25 car insurance claim in connection with
the severe car accident bodily injuries he sustained while resisting a car
snatcher.
1.2 It was reported that Bert Cole had instituted a lawsuit
against his insurance company, Farmers Insurance Company for a breach of contract,
and failure to pay the sum of $83,582:25 car insurance claim.
1.3 A reliable source disclosed that a car snatcher drove a
stolen vehicle to run-over Bert Cole while he was resisting the car snatcher
from stealing his insured ‘Chevrolet Suburban Vehicle’.
1.4 Bert Cole sustained severe car accident bodily injuries, and
subsequently he was hospitalized for medical attention.
1.5 Investigation conducted revealed that Bert Cole incurred the
sum of $81,582.25 for medical expenses, and $12,000 for lost wages, totaling
$83,582:25.
1.6 It was gathered that Bert Cole filed the $83,582:25 car
insurance claim before Farmers Insurance Company over the car accident bodily
injury he sustained in the hands of an Oregon car snatcher.
1.7 Unfortunately, Farmers Insurance Company was reported to
have denied the car insurance claim initiated by Bert Cole.
1.8 Bert Cole was reported to have instituted a lawsuit against
Farmers Insurance Company at the Trial Court of Oregon for a breach of
contract, and failure to pay the sum of $83,582:25 car insurance claim.
1.9 It was learned that the trial court denied Bert Cole the sum
of $83,582:25 car insurance claim and he now filed an appeal before Honorable
Justice De Muniz at the Court of Appeals of Oregon.
Oregon-Car-Theft
An Oregon Car Snatcher
2.0 Automobile Liability Policy Between Bert Cole And Farmers
Insurance Company.
2.1 It was reported that Bert Cole had acquired an automobile
liability policy for his ‘Chevrolet Suburban Vehicle’ from Farmers Insurance
Company.
2.2 Necessary car insurance application forms were said to have
been endorsed by Bert Cole and Farmers Insurance Company to give legal effect
to the automobile liability policy.
2.3 Pieces of information gathered showed that the automobile
liability policy purchased by Bert Cole from Farmers Insurance Company
contained an element of uninsured motor vehicle provision and Uninsured Vehicle
Insurance.
2.4 It was reported that Bert Cole parked his ‘Chevrolet
Suburban Vehicle’ in front of a convenience store, where he intended to
purchase a magazine.
2.5 While highlighting his ‘Chevrolet Suburban Vehicle’, it was
learned that Bert Cole left the car key in the ignition on his way to purchase
a magazine.
2.6 On his way back from the convenience store, Bert Cole was
reported to have sighted a car snatcher making efforts to steal his ‘Chevrolet
Suburban Vehicle’.
2.7 Bert Cole was said to have summoned the courage to resist
the aforesaid car snatcher from stealing his ‘Chevrolet Suburban Vehicle’, but
the car snatcher was reported to have run over him with his ‘Chevrolet Suburban
Vehicle’.
2.8 It was gathered that Bert Cole sustained severe car accident
bodily injuries, and subsequently he was hospitalized, undergoing medical
treatment.
2.9 Findings conducted revealed that Bert Cole incurred the sum
of $81,582.25 for medical expenses and $12,000 for lost wages, totaling
$83,582:25.
2.10 Bert Cole was reported to have filed an insurance claim of
$83,582:25 before Farmers Insurance Company advocating for a car insurance
claim.
2.11 The Management of Farmers Insurance Company was reported to
have maintained that it had no car insurance claim to settle Bert Cole on the
basis that his ‘Chevrolet Suburban Vehicle’ was not an uninsured motor vehicle
as defined under the automobile liability policy which both parties endorsed.
2.12 Bert Cole approached a trial court for justice but his
$83,582:25 car insurance claim was denied, and Bert Cole now seeks a judicial
review before the Court of Appeals of Oregon.
automobile-liability-policy
A Car Policyholder Endorsing An Automobile Liability Policy
Question:
What Is An Uninsured Vehicle Insurance?
Answer:
(a) An Uninsured Vehicle Insurance is a provisional auto
liability policy designed to compensate an automobile policyholder in the event
of being hit by another car driver who has no insurance policy.
(b) Uninsured Vehicle Insurance is created to address the
financially irresponsible set of reckless car drivers without any automobile
insurance policy.
(c) In simple terms, Uninsured Vehicle Insurance seeks to create
protection from unprotected motorists or from at-fault car drivers who have no
liability insurance policy.
(d) For Example, Mr. Michael purchased an automobile liability
policy for his Renault motor car from ALLSTATE. Mr. Johnson who has no
automobile liability policy for his Toyota Motor Car collided with the Renault
motor car of Mr. Michael. In the accident, Mr. Michael sustained bodily injury,
and his Renault motor car was damaged.
(e) In the context of uninsured vehicle insurance, ALLSTATE is
expected to compensate Mr. Michael for a car insurance claim to include bodily
injury and a damaged car.
car-insurance-claim
Car Insurance Claim
3.0 Auto Claim Lawyer: Pleadings Of Bert Cole, And Farmers
Insurance Company Before The Court Of Appeals Of Oregon.
3.1 The set of auto claim lawyers hired by Bert Cole to fight
his case in the Court of Appeals, Oregon, included Clayton C. Patrick, Salem,
Clinton D. Simpson, and Dwyer, Simpson & Wold, P.C., Eugene.
3.2 Those auto claim lawyers prayed Honorable Justice De Muniz
to impose the sum of $83,582:25 car insurance claim on Farmers Insurance
Company on the basis that the car snatcher had no permissive instruction of Ber
Cole to drive his ‘Chevrolet Suburban Vehicle’.
3.3 Furthermore, those auto claim lawyers prayed the Honorable
Justices of the Court of Appeals of Oregon to make Farmers Insurance Company
liable for the sum of $83,582:25 car insurance claim because the car snatcher
was driving an uninsured motor that ran over, and injured Bert Cole.
3.4 Conversely, the Management of Farmers Insurance Company
contacted its auto claim lawyers including Michael B. Merchant, Portland,
Hallmark, Keating & Abbott, P.C., Portland, to defend its positions before
the Honorable Justices of the Court of Appeals of Oregon.
3.5 In their response, the auto claim lawyers hired by Farmers
Insurance Company refuted the argument conversed by Bert Cole on the basis that
the ‘Chevrolet Suburban Vehicle’ was owned by Bert Cole, and therefore, not an
uninsured motor vehicle.
3.6 Furthermore, those auto claim lawyers hired by the
Management of Farmers Insurance Company claimed that Bert Cole was an approved
driver, and the ‘Chevrolet Suburban Vehicle’ was an insured vehicle under the
automobile liability policy,
3.7 Based on the arguments above, those auto claim lawyers in
the services of Farmers Insurance Company pleaded to the Honorable Justices of
the Court of Appeals of Oregon to reject the $83,582:25 car insurance claim
adduced by Bert Cole.
auto-claim-lawyer
Auto Claim Lawyers
4.0 Uninsured Motor Vehicle: Judgment Of the Court of Appeals,
Oregon
4.1 Haven entertained the arguments of Bert Cole, and Farmers
Insurance Company as adduced by their auto claim lawyers, the three panels of
Justices, namely, Honorable Justice Buttler, Honorable Justice Rossman, and
Honorable Justice De Muniz were reported to have denied Bert Cole the
$83,582:25 car insurance claim.
4.2 In their unanimous judgments, the judges were reported to
have said that the ‘Chevrolet Suburban Vehicle’ that struck and inflicted car
accident bodily injury on Bert Cole was not an uninsured motor vehicle under
the automobile liability policy.
4.3 Furthermore, the Presiding Judge, Honorable Justice De Muniz
was reported to have said that Bert Cole was not entitled to the $83,582:25 car
insurance claim because the ‘Chevrolet Suburban Vehicle’ was owned by him, and,
therefore, not an "uninsured motor vehicle."
5.0 Editorial Opinion – Injury Sustained On Personally Owned
Vehicle In Uninsured Vehicle Insurance
5.1 This section expresses the personal views of the chief
edition in the context of the case under review through the application of some
relevant car insurance laws in the United State of America.
5.2 In the case under review, Bert Cole’s ‘Chevrolet Suburban
Vehicle’ had been fully insured under the automobile liability policy of
Farmers Insurance Company.
5.3 The car accident bodily injury Bert Cole sustained while
resisting a car snatcher from stealing his ‘Chevrolet Suburban Vehicle’ should
not attract any compensation from his car insurance company because of the
self-help approach he adopted to rescue his ‘Chevrolet Suburban Vehicle’.
5.4 Bert Cole should have called the assistance of some
Policemen nearest to him to arrest the suspected car snatcher instead of
summoning unreasonable courage to resist gangsters.
5.5 The Management of Farmers Insurance Company
could be liable in the event of another uninsured motor collides with
‘Chevrolet Suburban Vehicle’ or inflicts bodily injury on Bert Cole.
5.6 In the case under review, the personally-owned motor vehicle
of Bert Cole inflicted a car accident bodily injury on him driven by a car
stancher.
5.7 In the context of uninsured motor vehicle provision under an
automobile liability policy, and Uninsured Vehicle Insurance, Bert Cole should
not be entitled to the $83,582:25 car insurance claim.
6.0 Advice To Car Policyholders In America: The Concept Of
Insuring agreement Versus The Principle Of Indemnity
6.1 This section is set aside to educate car insurance
policyholders in the United State of America on the concept of Insuring
agreement, and the principle of indemnity as it relates to the case of Bert
Cole, and Farmers Insurance Company.
6.2 For explanation, the sole objective of the concept of
insuring agreement in a car insurance policy had been to exhibit commitments on
the part of a car insurance company to undertake the responsibility to
indemnify car policyholders against damage for which it has taken insurance.
The car policyholders need to pay a certain amount of premiums to the car
insurance company to avail of coverage.
6.3 In the case under review, Bert Cole had purchased an
automobile liability policy to ensure his ‘Chevrolet Suburban Vehicle’ from
Farmers Insurance Company which defeated the argument of uninsured motor
vehicle claims.
6.4 Automobile policyholders in the United State of America
should know that in an uninsured vehicle insurance policy, car insurance
companies are not liable to pay compensation where an at-fault vehicle had been
insured.
7.0 Readers’ Opinions - Post Your Comments
7.1 Here, readers are allowed to express their personal views
below on the concept of an automobile liability policy, and an uninsured motor
vehicle as they affect Bert Cole’s $83,582:25 car insurance claim.
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