Earlier this month, the United States Court of Appeals for the Fourth Circuit issued a written opinion in a Virginia car accident case discussing whether a third party’s insurance policy covered the plaintiffs’ accident. Ultimately, the court concluded that the insurance company was acting within its right to deny coverage and dismissed the plaintiff’s lawsuit, based on the fact that the vehicle the plaintiffs were operating was not a “covered auto” under the third party’s insurance policy.
The Facts of the Case
The plaintiffs were independent contractors who agreed to deliver furniture for a local furniture company. However, since the plaintiffs did not have their own vehicle, the furniture company allowed the plaintiffs to deliver the furniture using a Penske truck that it had rented.
During the delivery, the plaintiffs pulled over, and one of the plaintiffs got out of the truck to check that the load of furniture was secure. At this time, another vehicle crashed into the truck, killing one plaintiff and seriously injuring the other.