Ohio Casualty Insurance v. Spence

MONTEMURO, Judge:

As appellee, Charles Spence, was getting into his car on December 12, 1984, he was struck by an automobile driven by an uninsured drunk driver and was thereby rendered a permanent quadriplegic. Appellant Ohio Casualty Insurance Company (“Ohio Casualty”) provided the insurance coverage on Spence’s automobile in accordance with the Pennsylvania No-Fault Motor Vehicle Insurance Act 1 . Pursuant to § 203(b) of the No-Fault Act, Spence had elected that his private health care carrier (Blue Cross/Blue Shield) would be the primary provider of his basic loss benefits. Thus, Ohio…