In a Washington automobile accident, an injured person may have some coverage through his or her own insurance policy. This first party coverage may include personal injury protection (PIP), which includes medical expenses and lost wages. When filing a claim against your own insurer, the terms of the policy, including the definitions, are critical in determining whether coverage applies.
In a recent case, an injured man challenged his insurer’s denial of his PIP claim. According to the court’s opinion, a driver parked on the street opened his door and struck the plaintiff, who was riding his bicycle. The plaintiff was covered by a California insurance policy with up to $5,000 in medical expenses for an “insured” under the PIP benefit. The relevant language in the definition of “insured” was “a pedestrian when struck by” a motor vehicle. The policy did not define “pedestrian.”
The insurer denied the plaintiff’s claim on the grounds he was not a pedestrian because he was riding his bicycle when the accident occurred. The plaintiff sued the insurer. The trial court granted summary judgment in favor of the insurer, finding the term “pedestrian,” under its ordinary and common meaning, does not include a person riding a bicycle. The plaintiff appealed.
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