Articles Posted in Relevant Personal Injury Cases

Recently, the Virginia Supreme Court issued an opinion stemming from injuries a student suffered while riding a school bus. The plaintiff was a passenger on a school bus when a car slammed into the bus. The student’s family filed a lawsuit against the car’s driver, the bus driver, and the City of Richmond School Board (the City), seeking damages of $1.2 million for her injuries. The car driver had insurance coverage totaling $125,000. The City was self-insured through a risk pool managed by a third-party, VACORP. This third-party provides uninsured/underinsured motorist (UIM) coverage to anyone who suffers injuries while occupying a qualifying auto. The school bus, in this case, qualified under the contract.

The contract provided a $1 million limit for coverage relating to UIM claims. The agreement states that VACORP agrees to pay all sums the “covered person is legally entitled to recover”, from the owner or driver of the uninsured or underinsured vehicle. The plaintiff and VACORP disputed the available coverage to the City under the UIM provisions. As a result, the plaintiff filed a declaratory judgment, and the parties filed cross-motions for summary judgment. The defendant argued that Code § 22.1-190 and Code § 22.1-194 provides a cap of $50,000 on UIM coverage, negating any contractual agreements between the parties. The plaintiff contended that the statute set a minimum and not a cap. The trial court found in favor of the plaintiff, and the defendant appealed.

Under the relevant portion of § 22.1-190, school boards must certify that every school vehicle obtains a certificate of self-insurance of at least $50,000 for injury to one person. Additionally, the policy must provide coverage for losses caused by an uninsured or underinsured motorist. The statute does not have a provision that forbids a school board for obtaining a contract through a pool for more than $50,000. Therefore, the court concluded that Code § 22.1-190 does not act as a statutory cap.

After an individual suffers an injury in a Virginia accident, they may hold the at-fault party responsible for the damages and losses they sustained. Typically, establishing the cause of an injury is the first and arguably most critical part of a Virginia plaintiff’s injury claim. In some cases, evidence may prove that the defendant engaged in apparent negligent conduct that resulted in the victim’s injuries. However, more often than not, the plaintiff bears the burden of establishing the other party’s negligent behavior. In instances where a jury or fact finder determines that a substantial factor in the conduct that led to the plaintiff’s damages was a natural event, the defendant may not be liable.

These “force of nature” defenses are typically known as “Act of God” defenses. Legally, an “act of God” suggests that the event had two defining characteristics. These two qualities are that the substantial factor was a natural, but unavoidable occurrence that caused damage, and the event was utterly unforeseeable. Defendants generally need to establish that this force of nature was the complete cause of the accident.

For example, recently, a state appellate court addressed the “Act of God” defense in a personal injury case stemming from a car accident. In that case, a 16-year-old driver hit a pedestrian and his dog when the pedestrian was in a cross-walk. Amongst other issues, the girl argued that the sun temporarily blinded her from seeing the man and his dog in the cross-walk. During a deposition, she conceded that she visited the same store over a dozen times on sunny days; she had sunglasses that she did not wear, and that she did not use her vehicle’s sun visor. The court, in this case, affirmed the trial court’s ruling that the “Act of God” defense did not apply. The court reasoned that the driver did not present any evidence that the bright sunlight was so extraordinary and unexpected to render it unavoidable.

Multi-vehicle car accidents in Virginia can be challenging for plaintiffs due to the state’s strict contributory negligence law. Under Virginia’s contributory negligence law, a plaintiff is not permitted to recover compensation for their injuries if the court finds that the plaintiff was even 1% at fault for the accident resulting in their injuries. The issue of contributory negligence frequently arises in Virginia multi-vehicle accidents because determining liability can be confusing when so many parties are involved. Inaccurate or incomplete accident reports can result in incorrect fault determinations and bar an accident victim’s claim to recovery. Additionally, Virginia defendants will often claim that the plaintiff’s injuries were not a foreseeable result of the defendant’s actions. These commonly occurring issues can present serious difficulties for Virginia car accident victims.

For example, recently, a federal appellate court issued an opinion stemming from a multi-vehicle chain-reaction accident. The case presented issues that Virginia plaintiffs often encounter during their injury claims. In that case, the defendant rear-ended his employer’s truck into another car, causing a severe traffic backup. About 10 to 15 minutes after the accident, the plaintiff approached the backup and stopped her vehicle. However, the driver behind her failed to notice the traffic backup. The driver collided with the woman, resulting in the woman suffering major physical injuries. The woman filed a personal injury lawsuit against the driver who caused the initial crash, as well as his employer.

In situations such as this, courts determine liability by evaluating the causal relationship between the defendant’s negligence, if any, and the accident that resulted in the plaintiff’s injuries. Typically, Virginia courts assess liability based on proximate cause and whether there were any superseding reasons for the accident. Some determining factors are when and how the accident occurred and whether the plaintiff’s injuries were a foreseeable result of the defendant’s actions.