The determination of whether an insurance company is responsible to defend the at-fault party in a Virginia car accident case is often a critical issue because the at-fault party frequently will not have sufficient assets to fully compensate the plaintiff for the injuries they have sustained. In the event that an accident is covered under an insurance policy, the insurance company will cover the costs of the accident, meaning that the plaintiff will more likely be able to collect should the case be resolved in their favor.
Recently, a state appellate court issued an opinion in a personal injury case raising an important insurance issue that frequently arises in Virginia car accident cases. The case required the court to determine if an employer’s insurance policy covered an accident caused by an intoxicated employee.
The Facts of the Case
The defendant was traveling for work when he caused a traffic accident that injured the plaintiff. At the time of the accident, the defendant was driving a company owned vehicle, although he was not on the clock at the time and was not performing any work-related activity. It was later determined that the defendant was intoxicated.