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HomeMy WebLinkAbout10-1009FILED-01-_ CE CF THE P HC i I ;, I CTAF?y 2010 FEB -8 Pry 3: 20 Matthew S. Crosby, Esq. I. D.#69367 HANDLER, HENNING & ROSENBERG, LLP 1300 Linglestown Road Harrisburg, PA 17110 Telephone: (717) 238-2000 Attorneys for Plaintiff Fax : (717) 233-3029 E-mail: Crosbv0_HHRLaw.com TANYA C. ROTHENBERGER, : IN THE COURT OF COMMON PLEAS Plaintiff : CUMBERLAND COUNTY, PENNSYLVANIA V. USAA CASUALTY INSURANCE COMPANY, Defendant : NO. 2010- loon CIVIL : CIVIL ACTION -LAW : JURY TRIAL DEMANDED NOTICE YOU HAVE BEEN SUED IN COURT. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this Complaint and Notice are served, by entering a written appearance personally or by attorney and filing in writing with the Court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the Court without further notice for any money claimed in the Complaint or for any other claim or relief requested by the Plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW. THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A LAWYER. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A O REDUCED FEE OR NO FEE. CUMBERLAND COUNTY BAR ASSOCIATIONO 00 P ?iTtY 2 Liberty Avenue, Carlisle, PA 17013 CK. 151$0) Telephone 717-249-3166 or 800-990-9108 P?r* .15,7g07 AVISO LISTED HA SIDO DEMANDADO/A EN CORTE. Si usted desea defenderse de las demandas que se presentan mcis adelante en las siguientes paginas, debe tomar accibn dentro de los prbximos veinte (20) dlas despu6s de la notificaci6n de esta Demanda y Aviso radicando personalmente o por medio de un abogado una comparecencia escrita y radicando en la Corte por escrito sus defensas de, y objecciones a, las demandas presentadas aqui en contra suya. Se le advierte de que si usted falla de tomar acci6n como se describe anteriormente, el caso puede proceder sin usted y un fallo por cualquier suma de dinero reclamada en la demanda o cualquier otra reclamaci6n o remedio solicitado por el demandante puede ser dictado en contra suya por la Corte sin mks aviso adicional. Usted puede perder dinero o propiedad u otros derechos importantes para usted. USTED DEBE LLEVAR ESTE DOCUMENTO A SU ABOGADO INMEDIATAMENTE. SI USTED NO TIENE UN ABOGADO, LLAME 0 VAYA A LA SIGUIENTE OFICINA. ESTA OFICINA PUEDE PROVEERLE INFORMACION A CERCA DE COMO CONSEGUIR UN ABOGADO. SI USTED NO PUEDE PAGAR POR LOS SERVICIOS DE UN ABOGADO, ES POSIBLE QUE ESTA OFICINA LE PUEDA PROVEER INFORMACION SOBRE AGENCIAS QUE OFREZCAN SERVICIOS LEGALES SIN CARGO 0 BAJO COSTO A PERSONAS QUE CUALIFICAN. CUMBERLAND COUNTY BAR ASSOCIATION 2 Liberty Avenue, Carlisle, PA 17013 Telephone 717-249-3166 or 800-990-9108 HANDLER, HENNING & ROSENBERG, LLP By: Matthew S. Crosby, Esq. FAWP DirectoriesWMC\Complaints\Peer Review\Rothenberger, Tanya.wpd Matthew S. Crosby, Esq. ID# 69367 HANDLER, HENNING & ROSENBERG, LLP 1300 Linglestown Road, Suite 2 Harrisburg, PA 17110 Phone: (717) 238-2000 Fax: (717) 233-3029 Email: Crosby@hhrlaw.com Attorneys for Plaintiff TANYA C. ROTHENBERGER, Plaintiff V. USAA CASUALTY INSURANCE COMPANY, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA : NO. 2010- 166 1 CIVIL : CIVIL ACTION -LAW : JURY TRIAL DEMANDED COMPLAINT AND NOW, comes the Plaintiff, Tanya Rothenberger, by and through her attorneys, HANDLER, HENNING & ROSENBERG, LLP, by Matthew S. Crosby, Esq., and makes the within Complaint against Defendant, USAA Casualty Insurance Company, and in support thereof avers as follows: 1. Plaintiff, Tanya Rothenberger, is an adult individual who currently resides at 144 Chester Street, Carlisle, Cumberland County, PA 17013. 2. Defendant, USAA Casualty Insurance Company (hereinafter referred to as "USAA" ), is an insurance company, licensed to do business in the Commonwealth of Pennsylvania, with its principal place of business located at 9800 Fredericksburg Road, San Antonio, TX 78288. Defendant, USAA, regularly conducts business in Cumberland County, Pennsylvania. 3. On or about August 30, 2008, at approximately 8:49 p.m., Plaintiff, Tanya Rothenberger, was injured when Michael Statler, who was traveling northbound on SR 11, made a left-hand turn into the pathway of Plaintiff's vehicle, which was traveling southbound on SR 11, causing a violent collision. 4. At the time of the aforementioned collision, Plaintiff, Tanya Rothenberger, was a named insured on a policy of automobile insurance issued to her by Defendant, USAA, under Policy Number 00882 95 98C 7101 5. 5. Pursuant to the terms and conditions of the policy with Defendant, USAA, Plaintiff, Tanya Rothenberger, paid an additional premium to obtain $10,000.00 in first- party medical-expense benefits, in accordance with the requirements of the Pennsylvania Motor Vehicle Financial Responsibility Law (hereinafter "MVFRL"). 6. Pursuant to the terms and conditions of said policy and in accordance with the MVFRL, Defendant, USAA, was obligated to provide medical expense benefits to Plaintiff for all reasonable and necessary medical treatment and rehabilitative services. 7. Plaintiff, Tanya Rothenberger, brings this action to enforce the terms of the aforementioned automobile insurance contract. 8. As a direct and proximate result of this motor vehicle collision, Plaintiff, Tanya Rothenberger, sustained numerous personal injuries including, but not limited to, injuries to her chest, ribs, neck, hip, right ankle, and right knee. 9. As a further result of the aforementioned collision, Plaintiff, Tanya Rothenberger, has been compelled to receive and undergo extensive medical attention 2 and care and expend various sums of money and/or incur various expenses for which medical benefits are payable. She will be obligated to continue to expend and/or incur the same for an indefinite period of time in the future. 10. Following the collision, Plaintiff, Tanya Rothenberger, sought reasonable and necessary medical treatment, including physical therapy, for injuries related to the August 30, 2008, collision. Plaintiff has undergone physical-therapy treatment with Alexander Spring Rehab and Drayer Physical Therapy. 11. Plaintiff, Tanya Rothenberger, received treatment from Alexander Spring Rehab from December 15, 2008, until she was discharged from care on June 11, 2009, with a 75% improvement in her overall symptoms. 12. On or about August 27, 2009, Plaintiff experienced an aggravation and/or change in her medical condition and was referred by her treating physician(s) for additional physical therapy at Drayer Physical Therapy. 13. It is averred that all physical therapy bills have been, and continue to be, fair, reasonable, and medically necessary. 14. Defendant, USAA, pursuant to 75 Pa. C.S.A. §1797(b)(1) of the Pennsylvania MVFRL, as amended, has contracted with a peer review organization (PRO) forthe alleged purpose of determining whether certain services were medically necessary. The name and address of said PRO is: Disability Management Consultants, 920 W. Sproul Road, Suite 202, Springfield, PA 19064. 15. On or about June 1, 2009, Defendant, USAA, notified Alexander Spring Rehab that it had requested a physical-therapy peer review with Disability Management Consultants. At no time did Defendant, USAA, or Disability Management Consultants 3 inform the therapists at Alexander Spring Rehab of their right to discuss the case with the PRO reviewer, in violation of 31 Pa. Code 69.52. A copy of the June 1, 2009, notification letter from USAA is attached hereto, made a part hereof, and marked "Exhibit A." 16. On or about June 19, 2009, Ellen R. Cohen provided a three-page report to Disability Management Consultants, wherein she ultimately concluded that "...the documentation does not substantiate therapy after 4-2-09." A copy of Ms. Cohen's report is attached hereto, made a part hereof, and marked "Exhibit B." 17. Defendant, USAA, allegedly as a result of Ms. Cohen's June 19, 2009, report, has denied payment for physical-therapy treatment rendered by Alexander Spring Rehab after April 2, 2009. Plaintiff's current unpaid balance with Alexander Spring Rehab is $1,439.00. 18. On or about August 27, 2009, Plaintiff, Tanya C. Rothenberger, sought medical care with her family physicians at Masland Associates. According to the office note, Ms. Rothenberger "...had been doing okay but then she developed some increasing hip difficulties.'' A copy of the August 27, 2009, office note is attached hereto, made a part hereof, and marked "Exhibit C." 19. Shortly thereafter, Plaintiff, Tanya C. Rothenberger, was prescribed additional physical therapy and sought such therapy with Drayer Physical Therapy. 20. Defendant, USAA, allegedly as a result of the PRO's June 19, 2009, report, and despite Plaintiff's changed medical condition, has denied payment for all physical- therapy treatments Plaintiff has received at Drayer Physical Therapy. Plaintiff's current unpaid balance with Drayer is $9,225.72. 4 21. At no time in the June 19, 2009, peer review report letter (Exhibit "B") does the reviewing provider, Ellen R. Cohen, conclude that any of Plaintiff's medical care was medically unnecessary. 22. The peer reviewer, Ms. Ellen R. Cohen, failed to review and/or consider all of Plaintiffs medical records related to the car crash of August 30, 2008. Therefore, the peer review conducted on or about June 19, 2009, was based upon an incomplete medical file. 23. The self-stated purpose of the peer review in question was "...to determine if the physical therapy provided to Tanya Rothenberger at Alexander Spring Rehab" was reasonable. 24. At no point since June 2009, has the Defendant, USAA; the peer review organization, Disability Management Consultants; or the peer reviewer herself, Ellen R. Cohen, ventured to review the care and/or treatment Plaintiff has received from Drayer Physical Therapy following the change in her medical condition on or about August 27, 2009. (See Exhibit "C.") 25. The peer reviewer, Ellen R. Cohen, indicated in her report that physical therapy was reasonable and necessary until April 2, 2009, because slow, but steady, progress was documented in the medical records. However, Ms. Cohen opined that, after that date, minimal additional progress was noted and, therefore, "...the need for supervised physical therapy beyond 4-2-09 was not established." 26. The peer reviewer, Ms. Cohen, went on to opine that Plaintiff "could have" continued her rehabilitation on her own with a well-structured home-exercise program. 5 27. After a review of Plaintiffs incomplete medical file, Ms. Cohen opined that the incomplete documentation she was provided did "...not substantiate therapy after 4-2- 09." Ms. Cohen provided no further analysis, other than referring to her "careful analysis of the range of motion measurements." 28. At no time, did the peer reviewer; the peer review organization; or the Defendant, USAA, ask to speak with Plaintiff, Tanya C. Rothenberger, or any of her medical providers. 29. Pursuant to 75 Pa. C.S.A. § 1797(b)(1), PRO evaluations must be "...for the purpose of evaluating treatment, health care services, products or accommodations provided to any injured person. Such evaluation shall be for the purpose of confirming that such treatment, products, services or accommodations conform to the professional standards of performance and are medically necessary." 30. "A PRO has the authority to evaluate the reasonableness and medical necessity of care, and the professional standards of performance, including the appropriateness of the setting where the care is rendered, and the appropriateness of the delivery of the care rendered." 31 Pa. Code § 69.51. 31. Furthermore, pursuant to 31 Pa. Code §69.52(e), "[a] PRO shall provide a written analysis, including specific reasons for its decision, to insurers, which shall within five days of receipt, provide copies to providers and insureds." 32. Plaintiff, Tanya Rothenberger believes and, therefore, avers, that the peer review report issued by Ms. Cohen, did not comply with 31 Pa. Code §69.52(e) because no specific reasons were listed indicating why Ms. Cohen's ultimate conclusions were accurate. 6 33. Ms. Cohen's report does not provide any sufficient written analysis specifying the reasons or the support for her ultimate conclusion except to generally reference disability guides and standards, which do not take into account the individual patient or the symptoms that patient experiences. 34. "Analysis," as described in 31 Pa. Code §69.52(e), necessarily implies that more than a list of the documents reviewed and the ultimate conclusions reached by the peer reviewer be contained in the peer review report. 35. Plaintiff's treating physical therapist, Stephany Primrose, authored an August 13, 2009, report, wherein she opines that Plaintiff's continuing therapy beyond April 2, 2009, was medically reasonable and necessary. In fact, as a direct result of continued supervised physical therapy, Plaintiff recovered further function and reduced her pain level. Attached hereto, made a part hereof and marked as "Exhibit D," is a copy of Therapist Stephany Primrose's medical report. 36. As of April 2, 2009, Plaintiff had ongoing back, hip, neck and rib-cage pain as a result of her injuries; she had positive neural tissue tension with straight-leg raise of -35 degrees on the right and -10 degrees on the left, evidencing persistent nerve irritation and pain; she had limited trunk strength and minimal ability to stabilize her core; she had only 15% of her normal rib-cage excursion with inhalation; and her lumbar range of motion was 25% limited and was painful. 37. Discharge to a home-exercise program on April 2, 2009, was also not feasible, as Plaintiff had barely begun to tolerate strengthening exercises by that date. Further, Plaintiffs muscle tears required ongoing and recurrent manual stretching 7 techniques and home exercises would not have been sufficient to achieve the flexibility Plaintiff needed. 38. After April 2, 2009, Plaintiff gradually progressed her exercise level and worked on her pain level with skilled techniques, and, while some of these were able to be completed at home, most required the skill of a trained therapist in order to reach the maximum benefit. 39. During her last month of therapy at Alexander Spring Rehab, Plaintiff steadily decreased her pain level and improved her activities of daily living and work tolerance; she reported a 75% improvement in her symptoms; her thoracic and rib-cage pain had resolved; she had normal rib-cage excursion with inhalation; her ranges of motion were within normal levels and her trunk strength had improved. 40. Finally, Therapist Primrose noted that "[o]bjective findings show that Ms. Rothenberger significantly improved afterApril 2, 2009, and this improvement was unlikely to occur without the skilled physical-therapy intervention that was provided." (See Exhibit "D," page 2). 41. On or about August 25, 2009, Plaintiff forwarded a copy of her Physical Therapist's report to Defendant, USAA, and requested Defendant pay her outstanding balance with Alexander Spring Rehab. Defendant, USAA, refused. A copy of Plaintiff's August 25, 2009, letter to Defendant, USAA, is attached hereto, made a part hereof and marked "Exhibit E." 42. From the commencement of treatment of Plaintiff, Tanya Rothenberger, and at various times thereafter, the medical care providers and Plaintiff's counsel have 8 requested that Defendant, USAA, pay the aforementioned medical bills as they have been accumulating. 43. Plaintiff, Tanya Rothenberger's, credit history has been, and will in the future be, adversely affected, as long as Defendant, USAA, continues to deny responsibility for payment of reasonable, necessary, and related medical bills. 44. Plaintiff, Tanya Rothenberger's, third-party personal injury claim has been, and will in the future be, adversely affected, as long as Defendant, USAA, continues to deny responsibility for payment of reasonable and necessary medical bills. 45. Defendant refuses to pay the balance due to the aforementioned providers under the terms and conditions of the applicable policy of insurance and the Pennsylvania MVFRL. Plaintiff, Tanya Rothenberger, has been required to hire the services of an attorney to collect payment of the medical bills herein due. Defendant, USAA's course of conduct in this case has been unreasonable and without foundation. 46. Pursuant to 75 Pa. C.S.A. § 1797(b)(6) if "a court determines that medical treatment or rehabilitative services or merchandise were medically necessary, the insurer must pay to the provider the outstanding amount plus interest at 12%, as well as the costs of the challenge and all attorney fees." 47. Pursuant to 75 Pa. C.S.A. § 1716, "[o]verdue benefits shall bear interest at the rate of 12% per annum from the date the benefits become due." 48. Furthermore, pursuant to 75 Pa. C.S.A. 1798(b), "[i]n the event an insurer is found to have acted with no reasonable foundation in refusing to pay the benefits enumerated in subsection (a) when due, the insurer shall pay, in addition to the benefits 9 owed and the interest thereon, a reasonable attorney fee based upon actual time expended." 49. Plaintiff, Tanya Rothenberger, believes and, therefore, avers that the above- described actions of Defendant are unreasonable and without reasonable foundation, and, therefore, pursuant to 75 Pa. C.S.A. §§ 1716, 1797, and 1798, respectively, Plaintiff is entitled to attorneys' fees, as well as 12% interest on the unpaid bills. 50. Despite the peer review report's aforementioned statutory deficiencies, Defendant, USAA, continued to deny payment for reasonable and necessary treatment based upon the peer review report issued by Ms. Cohen. BREACH OF CONTRACT Tanya Rothenberger v. USAA Casualty Insurance Company 51. Plaintiff, Tanya Rothenberger, incorporates and makes part of this Count paragraphs 1 through 50 above, as if the same were set forth fully below. 52. Plaintiff, Tanya Rothenberger, purchased first-party medical coverage from Defendant, USAA, justifiably expecting she would have coverage for necessary medical expenses that would allow her to recover from injuries she sustained arising out of the maintenance or use of an automobile. 53. By withholding payments with no authority to do so, unnecessarily and improperly referring bills to a PRO, not adhering to the several temporal, procedural, and substantive requirements, as set forth in law, and acquiescing in the PRO's failure to do so, Defendant, USAA, has undertaken a course of action that has been designed to unilaterally, and without justification, refuse claims for medical benefits, causing Plaintiff, 10 Tanya Rothenberger, to become personally responsible for the remainder of her medical treatment arising out of the maintenance or use of a motor vehicle, in contradiction to the terms of their contract, the MVFRL, the medical cost-containment regulations, and the established case law of this Commonwealth. 54. Pursuant to §1712(1) of the MVFRL, the Defendant is obligated to pay for all reasonable and necessary medical treatments and rehabilitation services received by the Plaintiff on account of her injuries. 55. Pursuant to §1716 of the MVFRL, if any such healthcare costs are not paid within thirty (30) days after the Defendant receives reasonable proof of the amount of such costs, the Defendant is obligated to pay 12% interest per annum on such unpaid healthcare expenses. 56. The Defendant has not paid for the Plaintiff's reasonable and necessary medical treatment and rehabilitative services within thirty (30) days of the date that Defendant received reasonable proof of the amount of such expenses. 57. The Defendant has acted in an unreasonable manner in refusing to pay said healthcare costs, thereby entitling the Plaintiff to an award of reasonable counsel fees and expenses against the Defendant. 58. The aforementioned conduct on the part of the Defendant is in violation of the foregoing provisions of the MVFRL and is in breach of the terms and conditions of the aforementioned automobile insurance policy. 11 59. Plaintiff, Tanya Rothenberger, believes and, therefore, avers that the above- described actions of Defendant, USAA, are unreasonable and without reasonable foundation. 60. Pursuant to 75 Pa.C.S.A. §§ 1716 and 1798, in the event that the insurer has acted in an unreasonable manner in refusing to pay the benefits when due, the insurer shall pay the benefits owed and interest of twelve percent (12%), costs, and all attorneys' fees. WHEREFORE, Plaintiff, Tanya Rothenberger, demands judgment in her favor, directing the Defendant, USAA, to pay all outstanding medical bills, pay interest of twelve percent (12%) on outstanding bills, and pay damages in an amount in excess of the compulsory arbitration limit of Cumberland County, costs, all attorneys' fees and whatever additional relief that this Honorable Court deems just. Respectfully Submitted, Date: 2016 HAN7777 P By: Matthew S. Crosby, Esq. I . D. #69367 Attorneys for Plaintiff 12 VERIFICATION THE UNDERSIGNED hereby verifies that the statements in the foregoing document are based on information that was gathered by counsel in preparation of this lawsuit. The language of the above-named document is of counsel and not of my own. I have read the said document and, to the extent that it is based on information that I gave to counsel, it is true and correct to the best of my knowledge, information and belief. To the extent that the contents of the said document is that of counsel, I have relied upon my counsel in preparing this Verification. THE UNDERSIGNED also understands that the statements therein are made subject to the penalties of 18 Pa.R.C.P. 2252(d), relating to unsworn falsification to authorities. DATE: o 1 3() to '? 4'"P-C' ANYA .ROTHENBER R FILED-~~r'i=~t~F c~F THE p°~TF'~~;JTARY 1010 f~r~R -4 p~ 2~ 59 Matthew S. Crosby, Esq. ID# 69367 HANDLER, HENNING 8< ROSENBERG, LLP 1300 Linglestown Road, Suite 2 Harrisburg, PA 17110 Phone: (717) 238-2000 Fax: (717) 233-3029 Email: Crosby@hhrlaw.com Attorneys for Plaintiff TANYA C. ROTHENBERGER, Plaintiff v. USAA CASUALTY INSURANCE COMPANY, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA NO. 2010-1009 CIVIL CIVIL ACTION -LAW JURY TRIAL DEMANDED AFFIDAVIT OF SERVICE COMMONWEALTH OF PENNSYLVANIA COUNTY OF DAUPHIN I, MATTHEW S. CROSBY, hereby certify that I served the Civil Complaint in the above-captioned matter on Defendant, USAA General Indemnity Insurance Co., by Certified first-class United States mail, Restricted Delivery, return receipt requested, and said document was received by said Defendant, USAA General Indemnity Insurance Co., on February 22, 2010, as evidenced by the signed return receipt card, attached hereto and made a part hereof, along with the copy of the transmittal letter. Sworn to before me and subscribed this ~ day of ~.~ (Z C fit- 2010. ' NOTARIAL SEAL VERA F FREED Notary PubNo 8U8GyEHANNA TWP., DAUPHIN CNTY Nh- Commission Expires Aup 28, 2013 ie` `M !p, ,~ ^ Oomplete Items 1, 2, and 3. Also complete Item 4 ff Restricted Delivery is desired. ^ Print your name and address on the reverse so that we can return the card to you. ^ Attach this card to the back of the mailpiece, or on the front ff space perrnffs. 1. Article Addressed to:~' A. sgnewne/ s A ~~ X B. Recelved~~ecL ^ Agent C. Date of Delivery D. ~ delivery a ~trom Item 11 ^ Yes ff YES, enter slivery address below: ^ No (VI,~O U1~ -- ~~ ~ Man ~ M~ .~; °~ Registered D Rah,m Receipt for P~terotmr>d ^ Insured Mail O C.O.D. ~~~~ ~ ~ ~ ~ (~ ~ ~]g a. Reetrtcted Dsiiver~R, bra Fail 2. Amide Number (Iiansliartromsen 7008 0500 0001 4505 8290 ,,. ,_ PS Form 3811, February 2004 Domestic Return Ret~lpt `` ~ .'` iti ~ • 1C2SQ6-0eys4o andl¢r. anning~ ~ osanbQrg,«p ATTORNEYS AT LAW K ~.: +. '~ aE c s~6" rr~.a.. f ~~~fr~c~-~•~ ,~ tom' Postmark L Here '~_~ i~ ~ 1 V IC'~ 41~1~~ r~_ VIA CERTIFIED MAIL, RESTRICTED DEL/VERY USAA General Indemnity Insurance Co. ATTENTION: Legal Department 9800 Fredericksburg Rd. San Antonio, TX 78288 Re: Our Client Your Insured: Claim Number: Date of Loss: Dear Sir or Madam: Matthew S. Crosby Crosby@hhrlaw.com Tanya C Rothenberger Tanya Rothenberger 8829598 8/30/2008 Enclosed in the above-captioned matter, is the following: 1. A Civil Complaint; 2. Plaintiff's First Set of Interrogatories .Directed to Defendant, USAA Casualty Insurance Co.; and 3. Plaintiff's Request for Production of Documents Directed to Defendant, USAA Casualty Insurance Co. We are serving these documents herewith on USAA. Thank you for your attention to his matter. U.S . Post al Ser vice r r~ CE RTIF IED MAIL RE CEIPT (Do mestic M ail Only ; No Ins r~:, urance C overage Provided) F d or elivery inf ormatio n visa ou r website at www.uses rem,... u C ; ~ ° Postage $ ~ ` CeRlfied Fee ~ ~ Retum Receipt Fee (Endors t R ~ emen equired} ~ -t R=stricted Ueliver±i Fey ~.., ,.ce_,~. = I ..,, .. ~ I Stree„ t r d~ t or PO Bar No. I City, sttrte'7,1'P+4 February 15, 2010 Very truly yours, HANDLE , H ~NING & ROSENBERG, LLP ~ r ~, L By: Matfihew S. Crosby ~~ ..__ ... 11.------~-~--~~~ ~----~~-- - ~ (gyp ienning & Rosenberg, LLP ~~~.L.~~~.,~Y{.~''_-1 _ ~:oad, Suite 2, Harrisburg, PA 17110 "~ ' ~ ~ fx 717-233-3029 "` Toll Free 1-800-422-2224 www. hhrlaw.com 717- -~ a ~ ~ ~ 7-431-4000 'York Office 717-845-7800 'Hanover Office 717-63C-8200