American Home Assurance Co. v. McCladdie

McMurray, Presiding Judge.

American Home Assurance Company (“American Home”) filed a declaratory judgment action against Alvin McCladdie, seeking to absolve itself of liability for additional optional personal injury protection (“PIP”) benefits under an automobile liability insurance policy issued to McCladdie’s mother, America Luke (“the insured”). American Home alleged that McCladdie sustained personal injuries on October 26, 1986, when he wrecked a vehicle covered under the insured’s “renewal” policy; that McCladdie was paid maximum policy PIP benefits in the amount of $2,500 and that…