Heinrich-Grundy v. Allstate Insurance

The plaintiff Laura Heinrich-Grundy was injured in a motor vehicle accident in Nassau, Bahamas. At the time of the accident, she was a passenger, and neither of the involved, vehicles carried insurance which could compensate her for her injuries. She filed a claim to recover for her damages under the uninsured motorist and medical payments provisions of her Massachusetts automobile insurance policy issued by the defendant. The defendant rejected this claim, based on a policy term that excludes coverage for accidents and losses occurring outside the United States and Canada (the territorial…