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DONEGAL MUTUAL
INSURANCE COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
00-8554 CIVIL
vs.
CIVIL ACTION - LAW
KMIBERLEE A. WARD,
Defendant
IN RE: PLAINTIFF'S MOTION TO COMPEL PHYSICAL EXAMINATION
ORDER
AND NOW, this I S"" day of December, 2000, a brief argument on the plaintiff's
motion to compel physical examination is set for Wednesday, January 10,2001, at 3:30 p.m. in
Courtroom Number 4, Cumberland County, Pennsylvania.
BY THE COURT,
Joseph G. Muzic, Jr., Esquire
For the Plaintiff
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. 12 -20-00
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Kimberlee A. Ward
Pro Se
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Joseph G. Muzic, Jr., Esquire
NIKOLAUS & HOHENADEL, LLP
212 North Queen Street
Lancaster, P A 17603
(717) 299-3726
Attorney I.D. No: 55919
Attorney for Defendant
Donegal Mutual Insurance Company
v.
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Civil Action - Law
No: 00 - fS'S'1 Cio~l 'T~
Kimberlee A Ward
RULE TO SHOW CAUSE
AND NOW, this __ day of
, 2000, a Rule is hereby entered
against Defendant Kimberlee A Ward to show cause why the relief sought in Plaintiff's
Motion to Compel Physical Examination should be granted.
Rule returnable the
day of
,2000.
BY THE COURT:
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Joseph G. Muzic, Jr., Esquire
NIKOLAUS & HOHENADEL, LLP
212 North Queen Street
Lancaster, PA 17603
(717) 299-3726
Attorney I.D. No: 55919
Attorney for Defendant
Donegal Mutual Insurance Company
v.
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Civil Action - Law
No:
Kimberlee A. Ward
ORDER
AND NOW on this
day of
,2000, it is hereby
ORDERED and DECREED that upon Motion of Plaintiff Donegal Mutual Insurance
Company, Kimberlee A. Ward shall submit to a physical examination to be conducted by
Stanley Askin, M.D., 301 Market Street, New Cumberland, Pa., at a date and time not
inconvenient to Ms. Ward but within forty-five (45) days of this Order.
BY THE COURT:
J.
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Joseph G. Muzic, Jr., Esquire
NIKOLAUS & HOHENADEL, LLP
212 North Queen Street
Lancaster, P A 17603
(717) 299-3726
Attorney I.D. No: 55919
Attorney for Defendant
Donegal Mutual Insurance Company
v.
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Civil Action - Law
No:
Kimberlee A. Ward
MOTION TO COMPEL PHYSICAL EXAMINATION
1. On June 27, 1997, Defendant Kimberlee A Ward, was involved in a motor
vehicle accident where she allegedly sustained injuries.
2. At the time of the accident, Defendant Ward had a motor vehicle insurance
policy with the Plaintiff, Donegal Mutual Insurance Company.
3. On September 10, 1997, Defendant Ward was involved in another motor
vehicle accident in which she alleged sustaining of injuries to her body.
4. In 1998, it is believed, and therefore averred, that Defendant Ward made two
(2) claims for injuries pursuant to benefits that she was entitled to under the Workmens'
Compensation Act.
5. Defendant Ward submitted bills for medical treatment in which she alleges
where related to the 6/27/97 motor vehicle accident, up to and including treatment occurring
in July 1999,
6. Defendant did not submit, nor did any of her medical providers submit any
bills for treatment related to the 6/27/97 motor vehicle accident from 7/18/99 until 8/4/00.
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7. On October 10, 2000, Defendant Ward visited the office of Steven E.
Morganstein, D.O. (See office note attached as Exhibit "A").
8. In his office note, the doctor describes a "sudden onset of increased numbness
in the left hand, as well as the leg and the face." In his office note, Dr. Morganstein reports
that Defendant Ward first noted the symptoms "last Tuesday morning," after a visit for
chiropractic treatment.
9. At the present time, Defendant Ward continues to submit medical bills which
she apparently is submitting as being related to injuries sustained in the June 27, 1997 motor
vehicle accident.
10. Also, Defendant Ward is now submitting a claim for income wage loss benefits
as a result of the injuries she alleged sustained on June 27, 1997.
11, Plaintiff Donegal submits that the report of Dr. Morganstein showing a
"sudden onset" of purportedly new symptoms, as well as Defendant Ward's claim for wage
loss benefits nearly three and a half (3'h) years after the motor vehicle accident demonstrates
good cause for Plaintiff Donegal to request a physical examination of Defendant Ward.
12. Plaintiff Donegal has not previously requested a medical examination of
Defendant Ward.
13. Plaintiff Donegal also submits that Defendant Ward has a contractual duty to
submit to a medical examination pursuant to the obligations under her motor vehicle
insurance policy no. PP-00-OI-06-94 which states in part E, Section B(3)(a) that a person
seeking any coverage must submit, as often as we reasonably require, to physical exams by
physicians we select.
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14. Plaintiff Donegal had previously requested that Defendant Ward attend a
physical examination by Richard G. Schmidt, M.D., on December 7,2000 at 301 Market
Street, New Cumberland, Pa. This request was rejected by Defendant Ward, by and through
her counsel, who stated in correspondence that Ms. Ward would only submit to an
elGlmination pursuant to a court order. (See copy of correspondence attached as Exhibit "B").
15. Plaintiff Donegal will schedule an examination by Dr. Stanley Askin located at
301 Market Street, New Cumberland, Pa., at a date and time not inconvenient to Defendant
Ward, but within forty-five (45) days of the Court's Order.
WHEREFORE, Plaintiff Donegal Mutual Insurance Company requests this Honorable
Court to enter an Order compelling Defendant Kimberlee A. Ward to submit to a physical
examination pursuantto 75 Pa. C.SA gI796(a) which will be conducted by Dr. Stanley
Askin, M.D., 301 Market Street, New Cumberland, Pa" at a date and time not inconvenient to
Defendant Ward, but within forty-five (45) days of the Court's Order.
Respectfully submitted,
NIKOLAUS & HOHENADEL, LLP
BY:
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Jo h G. Muzic, Jr., Esquire
Attorney for Plaintiff
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Joseph G. Muzic, Jr., Esquire
NIKOLAUS & HOHENADEL, LLP
212 North Queen Street
Lancaster, PA 17603
(717) 299-3726
Attorney I.D. No: 55919
Attorney for Defendant
Donegal Mutual Insurance Company
v.
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Civil Action - Law
No: Co-~S'f C'ud. '-r~
Kimberlee A. Ward
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t'AXlLac j)/9 rtCh4S
TO THE PROTHONOTARY:
PRAECJPE
Kindly issue a Writ of Summons upon Defendant Kimberlee A. Ward in reference to the
above matter.
NIKOLAUS & HOHENADEL, LLP
BY:
J~ k, E",orire
Attorney for Plaintiff
Date:
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Donegal Mutual Insurance Company
v.
In the Court of Common Pleas of
Cumberland County, Pennsylvania
Civil Action - Law
No: Do-
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Kimberlee A. Ward :
51/ W. o..umb~ ~
t:.uoLar PA 1'10;{.S
WRIT OF SUMMONS
TO: Kimberlee A. Ward, Defendant
YOU ARE HEREBY NOTIFED THAT PLAINTIFF DONEGAL MUTUAL
INSURANCE COMPANY HAS COMMENCED AN ACTION AGAINST YOu.
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Prothonotary
Date: /~/ fI / Do
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DONEGAL COMPANIES
1195 RIVER ROAD
P.O. BOX 302
MARIETTA, PENNSYLVANIA 17547-0302
(717) 426-1931
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December 19th 2000
The Arlington Group
PO Box 6507 805 Sir Thom
HarrisburgPA 17112
RE: Our Claim No.: PAE 0518986-86
Our Insured: Kimberlee A. Ward
Date of Loss: 06/27/97
Claimant: Kimberlee A. Ward
Dear Dr. Morganstein:
1 am in receipt of your recent billing for date of service 12/01/00. In order for us [0 process
further treating bills we are asking you to advise us if treatment rendered on 10/02/00 and after is
related to the above date of loss. Although your opinion is requested, we are in the process of
having the court order her to attend an IME to address this same issue.
If you have any further questions, please contact the undersigned at 800-877-0600 ext-7417.
Very truly yours,
DOY7GAL CO~?}ES
1JaJ~
Daniel Petti
Claim Representative
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cc: Joseph Muzic
Nikolaus & Hohenadal Attorneys At Law
212 North Queen St.
Lancaster P A 17603
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Handler Henning & Rosenberg Attorneys At Law
319 Market St.
Harrisburg PA 17108
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In accordance with Pennsvlvania Act 165. the followine notice is beine nrovided:
Any person who knowingly and with intent to defraud any insumnce company or other person tiles an application for insurance or statement of
claim containing any materially false infonnation or conceals for the purpose of misleading, information concerning any fact material thereto
conunits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
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Slaven l;. Morganstein, 0"0.
Michael J. Woods, D" 0"
D<'lniol Petti
t)oncg.:\l companies
1195 River RQ"d
P.o. Box 303
M~~i~tta, PA 17547-0302
RE,
KIMBERLEE ANN WARD
DC,:1t'to'J'r. Petti:
j, alll ..rlting in lCe"pon'~<l to your letter dated December 19. 2000
l:'e:.gar\ling Msw Ki.ri1borlo.t.~ w~id. M!l. Ward -Was ~oen on two occasion:'!; llftc.X'
Oct<Jp"r 2, 2000. She W,~s seem for an office visit on 10/10/00 nnd thE!ll
again fOl" follow-up m. 12/1/00. She continues to experience nl,ck paill
as well as a nu~~ness cOllsation in the left hand. These symptoms are
(,11 consiGtc"t with all. of her previous symptoms she has had since the
tirn~ of h0r injury in vuno of. 1997. Treatment rendered on these dates
are all related to the previous motor vehicle accident of June 1997.
Sincer(~lYI
Steven F. Morganstein DO
SEM/tltl
D1ctatod but not rCCld
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805 Sit 1 homas Court. H.w;.iliurg, Fl\ 17109 _1717) 851..0623 0 Fax (7171652,2630
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Jan-16-01 09:56
From-Nikola~' & Hohonadol
7172991811
T-026 P.OI/OI F-356
DON~LD H NIKOJ-AUB
..JaHN P. HOI-IENAP"'L
PVIICHAEL.I. HOI1EN~CEL
MATTHEW J, CREME, JA.
JOHN F. MARKEL
PAW..;" 0, MWN't>01'l
RlCHp,AP 1;:, GREINt:F1.
...EFF~!:Y A, M1LL:S
MICH,AEl 8, GRAB
NIKOL.AUS & HOHENADEL, LLP
ATTOFtNli:Y5 AT lAW
a,2 NORTH QUEEN STREET
L'INCA6TEFl. PA. 17603
71'7/E~e-~72f1
fA)( 717/2eB~1B1,
:3;;:7 LOCUST 8TAj:~T
COl.UM8IA, Plio. 17ei1;:
SB4-442a
fAX 717/eEl4~l:1aaa
January 16, 2001
1 as SOlJTH MARKET 6TFll:I:T
EJ-I;A@ETHTCWN, IP'A. 170:;J1il
387-94-'10
fAX 71 '7136'-81 EEl
MICHllEI.. A. VANASSE
JOSEF"H t;I. MUZIC
BE~N,<l.C1ETTE M, HOI-1ENAC!l:iJ.
ANTMONV MARC; HOPKINS
JOHN O. I-IDHI'N~Dil.
L.16A J Mc;cav
CONNie J, STEVl=Ne
Transmitted via nwsimile to 240-6462
Th~ Honorable Kevin A. Hess
Cumberland County Courthouse
1 Courthouse Square
Carlisle, PA 17013-3387
Re: DMIC v. Ward
Docket No: 00-8554-Civil
Dear Judge Hess:
This letter is in reference to the lIlgUment that occurred in your Court on WednesdaY, January
10 at 3;30 p.m. regarding the Motion to Compel the physical examination of Ms. Kimberlee Ward. I
have had an opportunity to review Nationwide Insurance v. Hoch. 36 D&C 4, 256 (1997) where Judge
Wettick denied the insurance carrier's motion to compel a physical examination. Upon review of
Judge Wenick's decision, T believe the basis of that decision was the carrier's failure to show good
cause why an examination was required. The court noted that that petition contained only coneIusory
allegations. !4 at 258. In his decision, Judge W~'tlick cited State farm Insurance Comnanv v.
Swanmer, 406 Pa. Super, 235, 594 A.2d 316 (1991) which outlin.ed the good cause standard which
shows that a medical examination is warranted. '"At the minimum, the petition should explain why the
medical records which the treating physicians have supplied have not eliminated reasonable doubt as
to the validity of the claim and why the proposed physical examination will substantially assist the
insurance company in evaluating the claim." Id at 258.
In the instant case, Donegal has supplied a number of specific factual allegations which
Donegal believes shows the claim is in doubt. Donegal noted the gap in treatment. Donegal also
noted the "sudden onset" of new symptoms as related in Dr. Morganstein's records. Donegal submits
that these are more than just conclusory allegations and that Donegal has met the good cause standard
io compel a medical examination of Ms. Ward.
JGM/dmk
cc: Matthew Crosby. Esquire (via fflcsimile transmission to 233-3029)
yours.
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OFFICE PROGRESS NOTE
KIMBERLEE ANN WARD
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10/10/2000
Kimberlee Ward returns for an unscheduled office visit today. She has
phoned the office several days ago with complaints of increased neck
pain. She also described a sudden onset. of increased numbness in the
left hand as well as the leg and the face. She reports she first noted
her symptoms last TUesday morning. The day prior to that, she was
referred for chiropractic treatment. She reports she received
chiropractic manipulations to the cervical spine .area. She awoke the
following the day with symptoms of numbness involving the left side of
the face, the entire left arm and left leg. She reports the leg
symptoms are improved somewhat. Since that time she has, however, had
continued numbness in her face and arm as well as increased pain. She
really is not able'to move her left arm at all and maintains it at a
very stiff and guarded posture. She has been called in Vicodin, which
she reports has helped somewhat with the pain but has caused her to
have 'some hallucinations". She has been off of work for the past week.
Her examination today revealed that she is ambulating without any
evidence of an antalgic gait. There is no shuffling noted. She is fully
alert and oriented and her mentation appears to be normal. Memory
appears to be intact. Her cranial nerves are intact and specifically
there is no evidence of any fascial droop. She does ,describe decreased
sensation throughout the entire left upper extremity as well as the
left side of the face. There is no evidence of any long tract signs.
Toes are downgoing. Deep tendon reflexes are equal and symmetric. She
maintains her left arm in a guarded posture, internally rotated at the
shoulder, flexed at the elbow and pronated at the forearm. On attempts
at.elevation of the arm, she really is only able to raise the arm very
minimally and reports that she is too weak to raise it any further.
There is diffuse tenderness on palpation throughout the left cervical
paraspinal region as well as across the left trapezius muscle and over
the left shoulder. Impingement testing is negative. There is no
evidence of any edema. Distal pulses are symmetrical. Her distal
strength is 4/5 on the left. There is no evidence of any focal deficits
noted in the left lower extremity.
I have obtained repeat x-rays of her cervical spine, which appear to be
within normal limits.
At this time, I am going to have her undergo an MRI studies of both the
cervical spine as well as of the brain. I would like to assure there is
no evidence of any central nervous system abnormalities including
. demyelinating disease or any masses. I am also going to evaluate for
possible changes in the cervical spine as well.
Her subjective complaints are somewhat out of proportion to the
objective findings. It is pOSSible there may be some emotional overlay
but given the acute onset of her severe symptoms, I do feel that
testing is indicated to assure there is no treatable abnormality. She
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RE: KIMBERLEE ANN WARD
10/10/2000
is to continue with her Vicodin as needed for severe pain and I have
also given her some samples of Vioxx. I will see her back once the
studies have been completed.
Steven E Morganstein DO
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SHERIFF'S RETURN
REGULAR
CASE NO: 2000-08554 P
COMMONWEALTH OF PENNSYLVANIA:
COUNTY OF CUMBERLAND
DONEGAL MUTUAL INSURANCE CO
VS
WARD KIMBERLEE A
KENNETH GOSSERT
, Sheriff or Deputy Sheriff of
Cumberland County,Pennsylvania, who being duly sworn according to law,
says, the within WRIT OF SUMMONS
was served upon
WARD KIMBERLEE A
the
DEFENDANT
, at 0014:44 HOURS, on the 13th day of December, 2000
at 511 W CUMBERLAND ROAD
ENOLA, PA 17025
TRACEY HELLMAN (ADULT IN
by handing to
CHARGE)
a true and attested copy of WRIT OF SUMMONS
together with
and at the same time directing Her attention to the contents thereof.
Sheriff's Costs:
Docketing
Service
Affidavit
Surcharge
So
A;;;~~
18.00
9.30
.00
10.00
.00
37.30
R. Thomas Kline
12/14/2000
NIKOULAUS & HOHENADEL
, ft:;,
me this If~.
day of
Sworn and Subscribed to before By:
~ o2MJi] A.D.
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rothonotary
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DONEGAL MUTUAL
INSURANCE COMPANY,
Plaintiff
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYL VANIA
00-8554 CIVIL
vs.
CIVIL ACTION - LAW
KMIBERLEE A. WARD,
Defendant
IN RE: PLAINTIFF'S MOTION TO COMPEL PHYSICAL EXAMINATION
ORDER
/Q-d
AND NOW, this I day of January, 2001, the court being satisfied that the
plaintiff has demonstrated good cause for same, the court herewith directs that Kimberlee A.
Ward shall submit to a physical examination to be conducted by Stanley Askin, M.D., 301
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Market Street, New Cumberland, P A, at a date and time not inconvenient to Ms. Ward but within
forty-five (45) days ofthis order.
BY THE COURT,
Joseph G. Muzic, Jr., Esquire
For the Plaintiff
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Kimberlee A. Ward
Pro Se
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