Holmes v. Federal Insurance

On August 22, 2003, the plaintiff, Earl Holmes, filed, in the circuit court of Madison County, a complaint for a declaratory judgment against the defendant, Federal Insurance Company, to recover medical expenses arising from an accidental fall on the premises of the defendant’s insured. The insurance policy in question contains a medical expenses provision stating that, subject to the applicable limits of liability, the defendant “will pay each person who sustains bodily injury caused by an accident all medical expenses incurred,” provided the accident takes place during the policy period and…