In the aftermath of a tragic situation, such as the death of a child, the last thing you might want to consider are insurance policies and legal requirements. However, it is essential to understand how courts determine whether an individual was covered by a specific insurance policy so that you know who might be liable for your losses. This is especially important when the accident involves a vehicle used both commercially and personally.
Jamie and Ericka Myers found themselves in a tragic situation after Brad Welch hit and killed their six-year-old son, Tyler, as Welch was turning into his house’s driveway. The Myers filed a lawsuit against Welch, his employer, Valentine & Leblanc, and Security National Insurance. Valentine & Leblanc insured the car that hit Myers’ son, although Welch owned the vehicle personally.
The Myers brought claims for themselves, their deceased son, and their twelve-year-old son Peyton. After a successful mediation, the court dismissed the claims against Welch, Valentine & Leblanc, and Security National Insurance. The Myers added AIG Specialty Insurance Company as a defendant as Valentine & Leblanc had a commercial umbrella liability insurance policy from them. AIG Specialty Insurance Company then filed a summary judgment motion, arguing that Welch was not in the course or scope of his employment with Valentine & Leblanc when the accident occurred and therefore was not covered by the at-issue insurance policies. The trial court granted summary judgment in favor of AIG Specialty Insurance Company, holding that Welch was not an “additional insured” under the at-issue insurance policy.