Kleckley v. Northwestern National Casualty Co.

TOAL, Justice:

Rosalind Kleckley (“Kleckley”) appeals the Court of Appeals’s holding that she did not have standing to pursue an action for bad faith refusal to pay benefits against Northwestern National Casualty Company (“Northwestern”).

Factual/Procedural Background

On October 29, 1993, Kleckley fell on the premises of W.W. Services, Inc. or Hardee’s (“Hardee’s”) in Ridgeland, South Carolina. At the time of her injury, Hardee’s was insured by Northwestern with a policy that covered up to $5,000 in medical expenses per person for injury caused by accident, regardless of fault. The policy…