Earlier this month, the Supreme Court of Iowa issued an opinion involving a multi-vehicle motorcycle accident that required the court to determine if two collisions separated by a few seconds should count as one “accident,” as defined in the at-fault party’s insurance policy. In the case, Hughes v. Farmers Auto Insurance Association, the court ultimately determined that the chain-reaction collisions should count as just one accident. Thus, all injured parties will be subject to the single per-accident limit of the at-fault party’s insurance policy.
The Facts of the Case
The original collision occurred when a semi-truck collided head-on with an SUV that was traveling the wrong way down the highway. After the initial collision, the semi-truck was pushed off to the shoulder of the road, and the destroyed SUV remained in the middle of the highway. Just a few moments later, a motorcyclist came down the highway and was unable to avoid a collision with the SUV’s wreckage. Sadly, the driver of the SUV was killed in the accident. The motorcyclist and the truck driver were both seriously injured as a result.
The motorcyclist and the truck driver both filed claims with the deceased driver’s insurance company, seeking compensation for their property damage as well as for their injuries. Prior to settling those claims, the two plaintiff parties asked the court to issue an order that the two collisions constituted two separate accidents under the SUV’s insurance policy.