The insured driver was involved in a single car at-fault accident. She was driving home with a passenger and attempted to pass another vehicle.
However, her car went off the road, striking a road sign, clipping railroad tracks and rolling, before coming to a rest on its roof. The insured vehicle was a total loss. The insured driver sustained a ruptured spleen, fractured ribs and bruised lungs. The passenger sustained a broken femur, fractured pelvis, fractured hip socket, multiple burns that required skin grafts, and was air-lifted from the scene of the accident. The case settled for $1.25m.
Fortunately for this insurer, it purchased excess casualty facultative coverage from Berkley Re Solutions and was able to recover some of its losses under this policy.
Products and services are provided by one or more insurance company subsidiaries of W. R. Berkley Corporation. Not all products and services are available in every jurisdiction, and the precise coverage afforded by any insurer is subject to the actual terms and conditions of the policies as issued.
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