{"id":6770,"date":"2018-04-12T10:00:22","date_gmt":"2018-04-12T10:00:22","guid":{"rendered":"https:\/\/www.robertkreisman.com\/injury-lawyer\/?p=6770"},"modified":"2019-10-28T10:35:18","modified_gmt":"2019-10-28T10:35:18","slug":"4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute","status":"publish","type":"post","link":"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/","title":{"rendered":"$4.6 Million Judgment Reversed by U.S. Court of Appeals on Insurance Policy Limit and Coverage Dispute"},"content":{"rendered":"<p>The issue in this case was whether Liberty Mutual Insurance Co. was liable to pay the default judgment of $4.6 million against its insured whose policy limits for this incident was just $25,000. The question then became whether the insurer\u2019s conduct proximately cause the $4.6 million judgment against the insured.<\/p>\n<p>Kimberly Perkins was insured by Liberty Mutual Fire Insurance Co. for auto liability up to $25,000. While her car was being driven by Miquasha Smith, a 16-year-old with a driver\u2019s license permit, it crashed into two parked cars. Smith was convicted of reckless driving.<\/p>\n<p>At the time of the crash, Monteil Hyland was a passenger in the Smith car and was seriously injured. Monteil\u2019s mother, Shannon Hyland, filed suit against Smith. Smith had no auto insurance, but was covered by the car owner&#8217;s insurance, Liberty Mutual. In order to be covered, Smith had to have permission from Perkins. Smith claimed that she received the car keys from Perkins\u2019s daughter, Michiah Risby.\u00a0 She said she gave the keys to a person named \u201cRob\u201d and not to Smith.<\/p>\n<p> <a href=\"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/#more-6770\" class=\"more-link\">Continue reading<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The issue in this case was whether Liberty Mutual Insurance Co. was liable to pay the default judgment of $4.6 million against its insured whose policy limits for this incident was just $25,000. The question then became whether the insurer\u2019s conduct proximately cause the $4.6 million judgment against the insured. Kimberly Perkins was insured by [&hellip;]<\/p>\n","protected":false},"author":795,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[45,19],"tags":[],"class_list":["post-6770","post","type-post","status-publish","format-standard","hentry","category-auto-accidents","category-insurance-claims"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>$4.6 Million Judgment Reversed by U.S. Court of Appeals on Insurance Policy Limit and Coverage Dispute &#8212; Chicago Injury Lawyer Blog<\/title>\n<meta name=\"description\" content=\"The issue in this case was whether Liberty Mutual Insurance Co. was liable to pay the default judgment of $4.6 million against its insured whose policy\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"$4.6 Million Judgment Reversed by U.S. Court of Appeals on Insurance Policy Limit and Coverage Dispute &#8212; 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Chicago Injury Lawyer Blog","twitter_description":"The issue in this case was whether Liberty Mutual Insurance Co. was liable to pay the default judgment of $4.6 million against its insured whose policy","twitter_misc":{"Written by":"Robert Kreisman","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/#article","isPartOf":{"@id":"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/"},"author":{"name":"Robert Kreisman","@id":"https:\/\/www.robertkreisman.com\/injury-lawyer\/#\/schema\/person\/5e5596abf7be77fdabc788f0a78f042b"},"headline":"$4.6 Million Judgment Reversed by U.S. Court of Appeals on Insurance Policy Limit and Coverage Dispute","datePublished":"2018-04-12T10:00:22+00:00","dateModified":"2019-10-28T10:35:18+00:00","mainEntityOfPage":{"@id":"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/"},"wordCount":685,"articleSection":["Auto Accidents","Insurance Claims"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/","url":"https:\/\/www.robertkreisman.com\/injury-lawyer\/4-6-million-judgment-reversed-u-s-court-appeals-insurance-policy-limit-coverage-dispute\/","name":"$4.6 Million Judgment Reversed by U.S. Court of Appeals on Insurance Policy Limit and Coverage Dispute &#8212; 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