Lack of Auto Insurance Left Injured Motorist without Compensation

Coffee cupDrivers are constantly warned that not having auto insurance can end up being more expensive than buying it. In one particular case, being an uninsured motorist cost one woman a settlement in a court case.

Teckla Chude’s coffee cup dropped into her lap while at a Jack in the Box drive-thru because of an unsecured lid. As a result of the hot drink spilling into her lap, she suffered skin discoloration and second-degree burns. She was unable to work, drive, or attend school for two weeks.

Chude filed a lawsuit against the fast food restaurant, but was denied a settlement claim because she was an uninsured motorist. Under California car insurance law, she and her vehicle weren’t covered by liability insurance during the coffee accident. In the state, drivers without coverage aren’t able to collect damages while operating an uninsured vehicle. It was also determined that that Chude’s injuries would likely have been covered if she had liability insurance.

Liability coverage compensates a third party if there is bodily injury or property damage as a result of a motor vehicle accident.ADNFCR-3298-ID-19828756-ADNFCR Although this would not have covered the insured, state law prohibits uninsured motorists from collecting non-economic damages.

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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