Defendant driver failed to yield to Plaintiff Motorcyclist and struck Motorcyclist in an intersection. Motorcyclist sustained a traumatic brain injury with associated cognitive deficits and psychological conditions, facial fractures, and fractures in the arm and spine.
Defendant driver had a $1 million insurance policy. Defendant’s father had $4 million umbrella policy that did not expressly cover his daughter or the vehicle she was driving at the time. Defendant did not reside with the policy holder (or even within the same state). Defendant driver was not a named or covered insured under the umbrella policy. However, we looked at the underwriting records and noticed that the insurance company had charged a premium that impliedly included Defendant driver as one of four drivers of four cars covered by the primary policy. Using an illusory coverage argument, we convinced the excess carrier to pay its $4 million because Defendant and her father had a reasonable expectation of coverage based on how the policy premium was determined, even if the policy didn’t expressly cover Defendant.
What distinguishes the Homampour Law Firm from other law firms is the fact that we pursue legal avenues other firms don’t even see and then get outlier results.
We can say with all confidence that had our client gone to another firm, 99.9% he would have been limited to the $1 million policy.