Anderson v. Farmers Insurance

Defendant Farmers Insurance Company of Oregon (Farmers) appeals from a judgment for plaintiff, its insured, on plaintiffs claim for breach of contract arising out of Farmers’ failure to preauthorize payment of personal injury protection (PIP) benefits for the full cost of plaintiffs knee replacement surgery after an automobile accident. We affirm.

Most of the facts are not in dispute. Plaintiff was injured while driving his own automobile, which Farmers insured. At that time, plaintiff and his wife had three separate but identical policies insuring three different vehicles, each providing…