In a recent case in front of the Supreme Court of Alabama, the court dismissed a plaintiff’s personal injury case that he had filed against the company he claimed was responsible for insuring him. In the case, Privilege Underwriters Reciprocal Exchange v. Grayson, the court determined that the jury verdict below in favor of the insurance company should stand. As a result of the most recent decision, the plaintiff’s case will not be permitted to proceed against the insurance company.
Grayson was injured in a motorcycle accident that was caused by an uninsured motorist. Rather than sue the uninsured motorist, Grayson filed a claim with his own insurance company under the uninsured motorist provision. He obtained the policy limit of $50,000.
Grayson also filed a claim with his brother-in-law’s insurance company, Privilege Underwriters Reciprocal Exchange (PURE), seeking additional compensation above and beyond that which was paid by his own insurance policy. While Grayson acknowledged that he was not named on the PURE policy, he argued that he was residing with his sister and brother-in-law at the time of the accident, and therefore he should be covered under the policy.