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Home My WebLink About05-1832 - Lavery, Faherty, Young & Patterson, P.C. By: Amy L. Coryer-Host ID# 82718 225 Market Street, Suite 304 Harrisburg, P A 17108-1245 (717)233-6633 E-mail: acoryer@laverylaw.com Attorneys for Petitioners Jayme Cashman and Barton Cashman JAYME CASHMAN and BARTON CASHMAN, Petitioners IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY v. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, CIVIL ACTION - LAW NO.: l)!; -lfJ~ CLc)L~f;LYYl Respondent 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 Petition 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 OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LOCAL HELP. Pennsylvania Lawyer Referral Service Pennsylvania Bar Association P.O. Box 186 Harrisburg, PA 17108 (800) 692-7375 NOTICIA Le han demandado a usted en la corte. Si usted quiere defenderse de estas demandas expuestas en las paginas siguientes, usted tiene viente (20) dias de plazo al partir de la fecha de la demanda y la notificacion. Usted debe presentar una apariencia escrita 0 en persona 0 por abogado y archivar en la corte en forma escrita sus defensas 0 sus objeciones alas demandas en contra de su persona. Sea avisado que si usted no se defiende, la corte tomara medidas y puede entrar una orden contra usted sin previoaviso 0 notificacion y por cualquier queja 0 alivio que es pedido en la peticion de demanda. Usted puede perder dinero 0 sus propiedades 0 otros derechos importantes para usted. LLEVE EST A DEMANDA A UN ABODAGO INMEDIA T AMENTE. SI NO TIENE ABOGADO 0 SI NO TIENE EL DINERO SUFICIENTE DE PAGAR TAL SERVICIO, V A Y A EN PERSONA 0 LLAME POR TELEFONO A LA OFICINA COY A DIRECCION SE ENCUENTRA ESCRITA ABAJO PARA AVERIGUAR DONDE SE PUEDE CONSEGUIR ASISTENCIA LEGAL. Pennsylvania Lawyer Referral Service Pennsylvania Bar Association P.O. Box 186 Harrisburg, P A 17108 (800) 692-7375 Lavery, Faherty, Young & Patterson, P.C. By: Amy L. Coryer-Host ID# 82718 225 Market Street, Suite 304 Harrisburg,PA 17108-1245 (717)233-6633 E-mail: acoryer@laverylaw.com Attorneys for Petitioners Jayme Cashman and Barton Cashman JA YME CASHMAN and BARTON CASHMAN, Petitioners IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY v. CIVIL ACTION - LAW STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, NO.: OS -lfJd--.., 0; u L 'i f!Lyvl Respondent PETITION FOR APPOINTMENT OF ARBITRATOR AND NOW comes Jayme Cashman and Barton Cashman, by and through the undersigned counsel, Lavery, Faherty, Young & Patterson, P.c., who petitions this Honorable Court as follows: I. The Petitioners, Jayme Cashman and Barton Cashman, are adult individuals residing at 4808 Virginia Road, Mechanicsburg, Cumberland County, Pennsylvania 17050. 2. The Respondent, State Farm Mutual Automobile Insurance Company [hereinafter "State Farm"], is licensed to transact business in the Commonwealth of Pennsylvania and regularly conducts business within Cumberland County, Pennsylvania, with a principal place of business located at 555 Southpointe Blvd., Suite 400, Canonsburg, Pennsylvania 15317. 3. On September 11, 2004, the Petitioners were involved in a serious motor vehicle collision, as a result of which serious injuries were sustained by both Petitioners. 4. On September 17, 2004, the Petitioners placed the Respondent on notice of an underinsured motorists [hereinafter "UIM"] claim. [A copy of the letter dated September 17, 2004 is attached hereto as Exhibit" A"]. 5. On March 10, 2005, the Petitioners demanded the VIM policy limits from Respondent. [A copy of the March 10,2005 letter is attached hereto as Exhibit "B"]. 6. The Respondent responded to the settlement demand with an insulting offer. 7. On March 22, 2005, the Petitioners sent a letter to Respondent stating that Attorney Timothy Shollenberger was appointed as Petitioners' arbitrator and it should appoint an arbitrator within (10) days. [A copy of the March 22, 2005 letter is attached hereto as Exhibit 1. Is the insured legally entitled to collect compensatory damages from the owner or driver of an uninsured motor vehicle or underinsured motor vehicle; and 2. Ifso, in what amount? "e"]. 8. The Respondent failed to appoint an arbitrator within ten (10) days. 9. The UIM endorsement of the State Farm policy states, in part, the following with respect to arbitration: Two questions must be decided by agreement between the insured and us: If there is no agreement, these two questions shall be decided by arbitration at the request of the insured or us. The arbitrators' decision shall be limited to these two questions. The arbitrators shall not award damages under this policy which are in excess of the limits of liability of this coverage as shown on the declarations page. The Pennsylvania Arbitration Act of 1927 shall apply. Each party shall select a competent arbitrator. These two shall select a competent and impartial third arbitrator... [A copy ofthe UIM Endorsement is attached hereto as Exhibit "D"]. I O. The Petitioners demand arbitration. 11. Petitioners believe and therefore aver that Rolf E. Kroll, Esq., who is a well- qualified attorney regularly involved in insurance defense work and has served as defense counsel for State Farm, is a fair and valid choice of arbitrators to represent the defense position in this matter. 12. Petitioners have incurred attorneys' fees and costs in the filing and service of the instant Petition and such costs should be paid by State Farm. WHEREFORE, Petitioners, Jayroe Cashman and Barton Cashman, respectfully request this Honorable Court appoint Rolf E. Kroll as defense arbitrator in this matter and order Respondent to pay the Petitioners' attorneys' fees and costs incurred as a result of filing and Date: yH lo,s By: cJ"'l'\i' ( :t ~ Amy E Co - ost, Esq. Attorney for titioners serving the instant Petition. Respectfully Submitted, Lavery, Faherty, Young & Patterson, P.c. LAVERY Yf AHERTY OUNG &... PATTERSON, P.c. t\ T T C R ~J E Y S _.6, T - LAW 225 lv10rket Street SUite 304 . PO Box .1245 Harrisburg, Pi\ 17 i 08 - 1245 (717) 233 - 6633 Fex: (717) 233 - 7003 e-mai:: otrvs(@laverylow.com \iI/\\'w,loverylow,com Colleen Barazotto State Farm Mutual Automobile Ins. Co. Altoona Service Center 2 Sellers Drive Altoona, P A 1660 I September 17,2003 Re: Jayme and Barton Cashman v. Ryan Barrow and Alexander MacDonald Your Insureds: Jayme and Barton Cashman Your Claim Number: 38K512368 D/O/L: 9/1 1104 Dear Ms. Barazotto: Please be advised that I have been retained by Jayme and Barton Cashman to bring claims against State Farm under their PIP coverage and the underinsured motorists coverage. At your earliest convenience, please forward a copy of my clients' declarations page and, if the UIM limits are not equal to the BI limits, a copy of the sign-down waiver obtained. My clients have received the PIP applications and they will promptly complete them and return them to you. Please feel free to call me if you have any questions or comments. Sincerely, Amy L. Coryer-Host, Esq. c.c. Jayme and Barton Cashman EXHIBIT I A LAVERY Yf AHERTY OUNG &. PATTERSON, r.c. ATTORNEYS-A.T-L,A.\V 225 Market Street Suite 3D4 . P.O. Box 1245 HorrislJurg, PA 171 08 - 1245 (717) 233 - 6633 rex: (717) 233 - 7JD3 e-mail: GttvS.:2!cverviaw.com VI/'NV\! .Iovervlcw .com Carol Tessmer State Farm Mutual Automobile Ins. Co. 555 Southpointe Blvd., Suite 400 Canonsburg, P A 15317 March 10, 2005 Re: Jayme and Barton Cashman v. Ryan Barrow and Alexander MacDonald Your Insureds: Jayme and Barton Cashman Your Claim Number: 38K512368 D/OfL: 9/11/04 I have enclosed the additional records you requested: Dear Ms. Tessmer: I am in receipt of Mr. Graham's letter dated March 2, 2005. I only have The Critical Hour in DVD format. If your State Farm office does not have a DVD player, perhaps someone can bring it home to view it. If that is not an option, State Farm can send it out to be copied on VHS format. 1) Current photographs ofJayme's tongue 2) Current photographs of the "bald spot" on Barton's head 3) Current photographs ofthe scars on Barton's arm and shoulder 4) Jayme's medical records from Dr. Rose Eskin 5) Barton's medical records from Cumberland Orthopedic & Spine PT 6) Copy of executed Release for claim with GEICO You will read in Dr. Eskin's records in the office note of October 14, 2004, that J ayme's menstrual cycle and ovulation period changed after the accident. These notes also verify the tongue bite trauma sustained in the accident. This certainly will affect her ability to conceive and exacerbate her condition of infertility. There is no question that both Barton and Jayme's claims exceed the value of $70,000 each. Accordingly, we demand that you immediately issue payment for the $100,000 in policy limits available under my clients' DIM coverage. Please respond to this demand within ten (10) days. EXHIBIT j B Page 2 Please feel free to call me if you have any questions or comments. Thank you. Sincerely, Amy L. Coryer-Host Enclosures c.c. Jayme and Barton Cashman (w/out enclosures) ATTORNEYS-AT-LAW 225 Market Street Suite 304 .. P.O. Box 1245 HarrlsiJurg, P..~ ill 08 - 1245 (717) 233 - 6633 Fax: (7 i 7) 233 - 7003 e-Il',ci\: cttys@lc'-Jsrylow,Com WW\N.!avery!ow.com LAVERY YfAHERTY OUNG &. PATTERSON, P.c. Carol Tessmer State Farm Mutual Automobile Ins. Co. 555 Southpointe Blvd.', Suite 400 Canonsburg, P A 15317 FILE COpy March 22, 2005 Re: Jayme and Barton Caslnnan v. Ryan Barrow and Alexander MacDonald Y OUT Insureds: J ayme and Barton Caslnnan Your Claim Number: 38K512368 D/O/L: 9/11/04 Dear Ms. Tessmer: I am in receipt of Mr. Graham's letter dated March 15,2005. Your offer to settle Jayme's claim in the amount of $2,435.45 is rejected. Both of my clients' claims clearly exceed the DIM policy limits and my clients certainly have not been adequately compensated by payment of the tortfeasor's limits. The photographs provided show you the permanent damage to Jayme's tongue and the scarring Barton has on his head and his shoulder and arm. The photographs are of Jayme's tongue and Barton's shoulder and arm. We provided you with the original photographs. Continued requests on your part for additional information that has already been provided is merely a delay tactic and can be considered bad faith. You again ask if there are any out-of-pocket medical expenses. At this point, I have no clue what State Farm has paid and what my clients will ultimately be required to pay out-of- pocket. I do know that State Farm continues to deny the medical bills incurred by Jayme for the surgery and hospital treatment she had at Holy Spirit as a direct result of the traumatic bite injuries sustained to her tongue. It is ridiculous for you to continue to deny that the surgery and tongue trauma is not related to the accident since Dr. Levin clearly states that it is related. The hospital records also verify the chest and lung trauma sustained by Jayme in the accident, which led to her poor oxygenation levels during and after surgery. Jayme now has a speech impediment that did not exist prior to the accident and this is solely related to the tongue bite trauma sustained in the accident. I personally tested the DVD that was sent to you of The Critical Hour and it worked fine. r don't understand why it's not playing for you. I have enclosed another copy of the DVD, which EXHIBIT I c Page 2 again I personally tested. You will note that the doctor does verifY in this program that Bart's "bald spot" was caused by the accident. By copy of your letter and this letter to my clients, I will ask Bart to secure a statement from his doctor indicating that his "bald spot" is not male pattern baldness but a result of his head skidding on the pavement, leaving chucks of skin and hair on the road. Perhaps yon need to speak to the independent witness for details. Since it is obvious that you are not going to be reasonable, I have no choice but to proceed with UIM arbitration. Yon have not made a reasonable offer in this case when the evidence clearly indicates my clients' claims far exceed $140,000 (the total of the tortfeasor and UIM limits). Please be advised that we have selected Timothy Shollenberger, Esq. of Shollenberger & JanuZzi as our arbitrator. His address is 2225 Millenium Way, Enola, PA 17025. His phone number is (717) 728-3200: Please either pay the policy limits of $100,000 or appoint an arbitrator within ten (10) days. Otherwise, we will file a Petition for Appointment of an Arbitrator in the Court of Common Pleas of Cumberland County. Sincerely, Please feel free to call me if you have any questions or comments. Thank you. Amy L. Coryer-Host Enclosure c.c. Jayme and Barton Cashman (w/enclosures) < SECTION III - UNINSURED MOTOR VEHICLE AND UNDERINSURED .MO':[O;R Y.ElI!CLE COVERAGES . U.NINSURED MOTOR YEHICLE- C OVERA GESU'(STACKIN,GOP- nON) AND..U3(NON-STACKING OPTION) . , . Unirisured Motor V ehlClee,C6verag6t/ applies (0 the. vehiCles for which"lJ"}lppear~in . the "Coverages" space, oI)thedeclamtions p~ge..~. Uninsured MotorVehide e, Coverage.Q~,Jp- plies to the vehicles for which "U3" appears .In the "Coverages" space on the declarations.page. ~:r:":;:<";f'-~:C'~:_ :'i_-;'_':"_'--~"G3 ';,:' <;:,::':_~" - ~:'::;i.>-,-\,-J. C()yerage,5,Uand J.13 .> ,- -c- ',_, ,'__'" _::, ': -_- .. :'- _',' ,', _:'~:"" -'.,'.. ..' .. :",_ .. ,', "." ,,"," _..... .___'- We will pay dainagdfor ))odiiyiizjuryTan.iitc sured is legally entitled to collect frolhipe owner or driver of an uninsured motor vehicle. The bodily injury rTllist be sustained by an in- sured a1id caused by accident arising ?utofthe ownership,mainterianceor use of an uninsured motor vehicle. The amoUnt we will pay for damages is subject to the limitations of Title 7S of the Pennsyl vania Consolidated Statutes. . Uninsured Motor Vehicle ~ meanS: 1. <lland motorvehi~le, the owndrship, maintenance or ilse of which is: a. not insured or bonded for bodily injury liability .at the ti,me of the accident; or b. insured or bonded for bodily injury liability at the time of the accident; but (1) the limits ofliability are less than required by the financial respon- sibility act of the state where your car is mainly garaged; or (2) the insuring company denies cov- erage or is or becomes insolvent; or 2. an unidentified land motor vehic:le whose owner. or driver remains unknown and causes bodily injury to the insured. An uninsu/e;[motor vehicle O()(,s n6tinc:lildea land motorvehic:le: ,-'< ,-. ...,.... ," -- . "-,c-,."',,.,-,,,,'...-.e,--,-,?- The amount we will pay for damages is subject to the limitations of Title 75 of the Pennsylvania Consolidated Statutes. 18 8387 EXHIBIT I D THERE IS NO COVERAGE FOR'BOD1LY INJURY ARISING OUT OF THE OWNEI<~ .SHW,MAINTENANCJ3" OR WE OP.AN UN, DERINSURED MOTOR VEHICLE UNTIL: , -' ,', ,-',- ,.....',,'..,:..".,., L.THE LIMn's OF pABIqIYOFALL .i3bOtLY INJQR,Y~I;IkB'ILITY BONDS AND POLICIES THAT AP- ,.pr,y HA VEBEEN"USEDUP BYPA Y- MENT .OEJUPGMENTS'OR SETTLEMENTS TO OTHER PER. SONS,. OR ..c.. , .. .. .' <,...<:'j.., ,_.,.J __,__.. ".,' 1..""'". ,-f 2. SUCH LIMITS OF LIABILITY OR RE- "'MAINING'P AR'f"OFTHEM HAVE BEEROFFEREtLTOTHE'INSURED ..IN,:.iNB:In~CJ'i::;, ..u Uftd~'rihsuredM()td;"Vehlcle -" rrttcansia lalld. "motorive,bicl'e::;' ,'ce.,-... ~:m -:::>\\2<,\ r~ l,::'ID::,j-Lv '.),,' the. own'ersnip" maintenance ,.0nus.e;'Of which is insured or bonded for bOdily in- jury liability at the tiJ1.1~ of the accident; ~d 2. whos~ limi;; oi'li~biii;yfor bodily' injury liability: -<',', ,~;, " a. are. less ilia\\" the im10unt of the in- .sured's'ailmages;or .. b. have been ieducedbY.payments to per. sons other than the insured to less than the amount' of the insured's d;mlages. "..: ...~ -"',' ,. _.",' .' An underinsured .motor vehicle does not. in- clude a land motor vehicle, ' . -'-"""""_:-"'-:":';,:', ,,':":"-'"-'.,''-':,''' insured under the-' li"biiiiy coverage of this po\icy;,_ . . -,. .. .- 2. furnished for the regular use of you, your spou~e or anyrelative.; . , ~ . ,'. '.. "... ... .. , .." ..' ,..,' , . '. , " 3. owned by any government or \iny .of its political subdivisions or agencies: ',,5,.,):': :,', -:'. :~;~.,:;";;:"..:f..' :, :<,',; . ,.", 4. . while located for use as a 'dwelling or other premises; - , ,. 5. designed for use mainly off public roads . except while on public roads.: 'Of 6. defined as an uninsured motor vehicle in ", your policy. 19 ; 8387 Who Is an tnsured -' Coverages U,U3, W IInd '.W3' . . Insufed - means the pers6iz~T'pe~ionicovered by,uninsured-fJlptor,vehicle or tmderinSurecl .motor vehic1e,coverage: - . This is: 'I. 'the frrst Jli""n'namea irith~'ilecrarili6b's; _~,~",_:~,i~ o~., h~r .\pOiiSe; 3. 'their ~e'latives,. and. ,,4. '!Py other person, while occupying:. .. ,a: yo;r car,at;mporary substitute car, or .,0 a: trailer .attached to such.,a car. Such c '...other person 'is an insured only under the coverage applicable to th, vehicle which that pe.rson was occupying and suchperso'l is not an instm d under the '..'.S :FR~ef{~ge app!icabk to"any Dlkr velli- :,,:..Aejpso/~dbythispolicy. Such vcliicle ., ,has w ~e used ",ithin the syope. of the ,', .:, consent.\lfyou oEYourspouse. e '. 'b" .!imiivijiii:quir'edciiroratraileratiached .,'~:,> Ie;,.,,': to such a'car: If (be newly aequir"edcilr is a'replOcementCar; .such'other jm'son is ;ill insured only under the coverage ... 'j'e.... ...."".. apP4c;;able to the vel1i<;le .that WI!.> re- ...,:> :; plaCed: If the newly acquired car i.s.an . ddili1iiina1 car, sucp. Other pel:son is 'an ,'insrired Or'ly 'ui1der theco'verage appli- " cable to-anyone vehic;;le insured by"this 'policy or any "thei' policy issued by us . _ to you .or your spouse, Such car. has to .be used within the scoPe of the. consent of you or your spouse. . ." , .c, -aTaf'not 'owned by. or leased to you, ", :':-".?,Ydui:.':sf:ius~;j-~r--i,~n\ t~~Ptiv-e,:;'p( a , .trailer attached to' such" a car: It has to '>; be .driven bYthe first pefson nariJe'din the declarations. or, that person's , spouse and within the scope of the owper's consent. ..Such. other person is an insured only under the coverage applicable to ~ny one vehicle insured . by this policy" or any other policy is, . sued by us to you or your spouse, . '1-,_ - ~ .... \. -( I','::: C): I I il 'I if'- IcO \'" .CJ) !uCJ) E E co ~ ;> 0 !>,LL rJJ>, C U c:= Q) 0 Ltl.. Suchoth~r pers(Jn occupying,"a,vehicJe used to carry persons for a charge i~not an insured. ., 5, . anypersonentitledtorewver.damages because of bodilycinjury'to.can insured under 1 through 4 above. . p~cidingFault.al1d AmounkCov~rages U, U3; WiiridW3 ccc .'. ...... .cc.c . -.---.,.."..',.'..,..,;..-....:'":' Two. questions must be decided by. agreement between the insured'and.us:.: ,,:c. '. J. r~ithi;i1l:';l~d;i1egiJW ~hf(hedr() c6llect 'compensatory damages froIl) the owner ...or driver of iln uninsllred motor vehicle , o;itnde1nSll~~dc~?~?:' vehicle; and Ii' ic')f~9;jn\,,~~\a~o,~m? .. Tf.tlter~. 'isincriagteemeht,[ne~ei(WCl questions ,shall\Jy"d~ddef!Dyiad)itt~ti(l'iiattPe request of c.. the insuredqfils.The'arbitrat()rs'decision shall 'be :lin\ited.tq.th~setwQquesfions!The arbitra- torssliall nQtawatddama~es:imder this policy [cWhigj1 a~fljl1,~xc<;ss.CltthylimirsRf liability of . !his c9Y9Wgy!'sshCl)V1)onthy,qycla.rations page. XhePenl1sy!v.""i~Arl?it\ati9!.tAsr gf 1927 shall apply. .." .'.J ' "C- ...',,, :,~"">.' "-"';"-;', '-'::..':": ".",. ,,':"> (-:->...'''.I..k.'',;:i''''f~.;-''. . Each Patty sj1a\lselecta, ~ompetel1t arbItrator. , Thesytv,iq sn~!lselecl aCot\Jpe(elIl:aIld impartial "fhi'rdari:litrato( Jf\.inably, to agte~9n a third one . ';'liithiri}O day~: eitfiefparty ri1~f:I"equest a judge 'of a.court of.~e'Corcl in thy'couhtbn which the 'arbitratieni. is pending tosylectatpird one: The .' "'r;ttenqecisio~ clfany'(~darlJilrators .shall he ..biiiding on.eachparty:'.:C.. J "."1 . ":""~'<(""':':j-: ,";"--',>,'.Y{ j...~. . The cqst.qf the arbilfa.(Rr.aIJQ anY..eJCpert witness :'shal1tJe,pNq by,thePam:~ho ~i,fep tnem< The ; 0o~t pfth(iIJiI"d'.&?itf~toI" \0\1 othGr; ex pense~ of arb1tr~rloI]~~1l!lReSharedy9qalIXPX; both partIes. Theilrbitra.iio~shall1ilICeplace iritthe county in 'whieh the insur~d resideS, (jnJes~ the parties agree toanot1\e'rpJace.(Stdte i;:oiIitmlesgoveming prO- !~~~ure.~~ad~~si~n:of:evid7.n;?~,~n.all apply. . ,We have the rightto obtainstatcments under oath from the in$uredas Qften as we reasonably ask. < Arbitr.atioI) shall npt pe a means of settlement to . decide: ,_/.' .... . J.. 1.:;~;~.~T-~ofi;:te~qllcYLoE.j:tra~Nl6Y ',' 2.sei.ectibri 9f'iove~age option;\>f,vaiverof ;SpcD coverage; . . . 1.',-__-, ';'--"_"""__"_"',c ,3. deter!niIIaii(>ll of residency mdefining who)$.br is not an 'insured !nider these ,coverages;:'" _.._,_ f. _.'" './.'-.,".; 4. statutes of limitation. or .. :'.'-'~; . :-;~": ,_:' -::., <:',.": ',: -'~',;,'- :_, ~ .5..... determinaiionof wh~tJi~/~c1;;'marit is an ..insurec!n~d~rtheseq)Verag~s:,j Either party may stay arbitration';;' ~xibution of UlI1: arbitration awarQ.'until finatz:eso,!!ItiQR\of whether an issue is properly subjc'cttoarbitnltion. ]Payment ofAnYiAimount Due - Coyerages Ui c.U;VW,and'WJ.',,, ,'" ,". .'. ;'r f' '-'C",_,.",_,. ...,.....:.. ;:,:X_ -c-." '...."r.. .,. ~,.., ", ", :" ..1 'We'wi~U),aflii:y~~dJrii'dM: .'c ,,' .,i,1)I,:-,"'-","" ......,.j:,.J..:l'..'.1 l.f' :',>,', j"i' ':\''..',' .. to theinsured;' . . - .' -, 2:; to a parent ()rgtlardianif the insure4 is a iriinor or~p,~lJ~\?fiIp~irI]iper,oti;. :,3i",t())h~,.~~"."i,:ir1l!ispp.~~~; 9r:". if'!t6'~RlifSgngMlio~;ied'bY'll", to receive ~.;;'; [stIth --paymehf:} ,It).;, -,--,':" ,,".l~2', J~_; '":.., .......' ~ ,.',.., -if "._, .. ..', .. ...' : .. ...., 'Tr\iSt Agteertlenl'!:..Eb''iiei-agestf'arta 1:13" c.' . ..;.' -"d::..~:<:<;,\/ -;,,_: ,:'",~I'.;_-..'.:Li B_:-,:~'Li~,' . .!.We.areentitled tor~payment.of the amount " \:WehaVep~l;rftoiiiith'e'pto9~~d$of ally re- covery the insured mak<;s'fwln.ahy party '.liable,fopthe bodily:injuilY';;"'c'.".';j.) ., 2. If, tne insuredh~{'J()t;Yec6V~t~iffrori:i c the i party at fault; ,he' orshil"'shall:L' . ;,~: :,:J:<; i;:'/'~!;;;: l.,j ';~ j-,~C i ),; ,,~.-~, /_<; f; ,:, 1.)-;-:, ;r\:,':, q . . a. .. keep these nghts III trust for us;.. 'j;!J':1':'?C' ,:3J;;j:'~,i:l<:';/,-1t:\::,{.i.. ;<'":i,,t'I: ,.k. cb. execute aiIylegalpilF.ers.,'Yenf~d; arid d""c.;,w.hen\we'.ask" talc~ ilctipn)hrougjI our . representative t.o.;:ecover Olirpayments. ,.;Weare.to be repaid our payments. Qosts and fees of collection dut of any recQvery. 'W 20 \.,83.87 Trust Agreemenf-'- Coverages W arid WJ .il 1. We are entitled, to the extent of our' pay- ments, to the proceeds of any settlement the insured recovers from any party. liable for the bodily ,injury, other, than payll)'llts from bodily-injury liability konds,ofpoli"ies made p~i9r tq o~r payment... ~,.'c . 2. If.the insured Has not" been fullYicompen- sated for toe bodily injury by. the party at fault and we make payment fot. the bodily injury,. the insured shall: ' ,'C, :', ,. C-i',~. -. a. keep these rights in trust for\is;... b. execute ;l1iy lbgai papers ~e h~ed; arid . ., c'. .wHen. we ask; taKe ,letionthrough our repres'entative, to recover the .amount of our.payments. '. .f' We are to be repaid ouipaymerits;cdst{and fees 6fco1Jection. out of any slich recovery. ',:. . ";' /:__,_,,~ ',_ ::' -"', , "'_';<! :,;;r,; "_',_' ' Limits of LIability '- Covefag~s U and U3 1. The amount of c(),verage is s!l.Own on, the declarations page under '~Limits of Liability , .~ U - Each Person; Each AcCfdent" 'or "Lim- .,'its of Liabilitj'~. U3 '7:Ef\chPerson, Each " Accident":' : Under.:"Eil.ch Person". is the aiiiount of ~Qverage for all damages due to bodilyilijuryto oI]e;pJ,rson., "Bof!ily injury to one persqn'.' includes all'injury"arld dam- ages to othei's resulting from this bodily in- jury. Under: "Each Accident" is the' total amount' of coverage, subjecuo. the amount shown under "Each Person", for all damages due to bodily injury to ,two or more persons in the same accident. . 'C 2. Any payment made tei a pe~son unSe~f this : coverage shall red\We any amoun! payable . to that person. till'der the bodily injury li- ability coverage.. '.'. '.".. . , .( : 3.. The limits of liability are riot increased be- cause: ' , .' --\ more than one person is insured at the . time of the accident.;~ or.. . b. . m6r~ tha~ one U1;i;';'su~ed;"ot;r vehicle is involved in the same 'accident. 4:, Any ar':1ount payable ufidei'';this' c'overage shall be reduced by any amount paid otpay- able to or for the insured:.. :J ' : ' ." a. by or for any person or organiz~tioh'who is or may be held legally liable for the bodily injury to. the i~sured; Of_. for the bodilYi~j~ry' und~~ ~heIiability coverage 5, This coverage \i];;1l be' excess. over and shall not pay again any amount paid.or payable':.to or for the insured' under:-any , workers' compensation, disability benefits .~"'or:Siiniladaw.-'.. ...- , '.'..0..: 'i '-,,'\_,:':"-::'C'_ _,',_, , , :',~I',::,: Li~itS'of):!iability ,- COVerage t '"If' th~ie: is' ,rr;ore'tli"in' one velllcle'insured undehhis policy; th'e'maximum lImit of liability available is: ai: ,the limh':applicable: to. the Jehdethat was involved in the accident while occu- ~!;~:-::r;jj{{lf~'~~'~~'~~~!~;:',:~i,';::"~,:',;':~,-~;~:';:-~::;':'('J~ '," bi .the:limit.appIicable to the~ vehicle that " ;,was replaced while 'occupying a1'eplace- 1?1elltqafjor,:; <\>,:~i:,,;",;" ,', :'. _:: c. the ii~t~ppfi~~~le tb'~y:c!ne ~e~ic]~ ! ,:,,-'..;,,insured.underthis policy while injured as ..'11 pedestrian Of. injured while'i>ccupying a temporary substitute.car,t.non-owned car or an additional car, L'r/)' -,";."C"j\\ ':j " ':. \ ~'",.i-' 2.''rh~ limits: of liability are..nol'il)Cfeased be- cause more than one v~hic1e is 'insured under this policy. . :-:: :_-.,- !:"" ; -:c-_ ,,-,J:, -,-::. J: :,,':;i, [," ,', C~\ ;-"~, ~:;:"\-,"I ,,;, Limjls ofLia~jlity.-; ~overages,}Y a/ld W3 1. The amount of coverage is' shown' on the declarations page under :'Limit~ of Liabil- :. ity -;- W -EacQ l'~rsQti; Ea<;~''A'ccident'' or "LImits of l.,labll1ty. 'co W3 - Each Person, . 'Each A:Ccident". Uhder "Each Person" is .. 1lJeamount of <;ovet~g.e'foralrd;mages due to bodily inju'ry to one "pehon. "Bodily . . injury to one person'.', includes. all injury .and daIAagesto others resulting from this bodily injury. Under "Each Accideq( i.s the total amount of coverage, subject to the 21 8387 .( :1 , I I I il :i !i ,I I,' " I~ ,01 ",01 C E '" ~ 0> 0 5>-LL (1)>. c () c= Q) 0 1-0.. ! ., i: >\ ,>amount ShOWll undertEachPerson'\.f6r all . damages due toboci.ily .injury to two or more . persons in the .Sameeaccjqent:. 2, The1in\itsof liability,\renot increased be- L cause:e..' " , '-.. .. ..,. .', ~ a. mllfeiliiti\ gh~ pefs'oft ig in~lli~d at the time of the accident; or. b more than oneunderins~red motor.vehi' t,n',i'Cle iiinvolved in the saIne accident} :.'-:';3,,:>--'<>::;' '_' ~:,,-,,~:_ :L; ::0,', .3",Tht\mostwepliY willtle the lesser of:,'" . a.th6differJh~eb~tV;;ig;-;th~'al1lourli6f the insured's damages forbodily iiijui)';fl1lQ the aInoui\tpaiq totlieinsurcdbybtifor ,e,e,any person .or orgaj1izatjon,whqjs pr,may "he ,lieI4IegallyJ.iableforthebod!l:r; in- !L "'._"'. .;_, e'. .,'.___.' _"__" t- ....' >c',,' .' .....~,.' .. _'J_ '-- ", jury; 0]" <U_'~"f" .. b. ,the limits of liability.of this coyerage. ,....- ..... "....,-:''':'.:-,. "-,-,' ...... ,,:,-,i'\""::::"-;"'-;'- 'JF:,,":i-ti--':",!,:"'I,'-l,,{:'~ ;",.--.,,_' :c,,-">' '_,;,';:;\,' 4. . This coverage shall be excess (:iver,fl1ld shall not pay again any amount paid or'payable to :C... or. for the insured under:any:workers' com- . ..-'. pel'satiQn, disabilityJjenefits 'or. similar law. Limits of Liability _ Coverage W3 . c.': c"i:,.;(:.' ~:_)-.-' 'i": ::'.JF:'< :,.-,i~<.~' ;.:.;;,_ :_:JU . ') 1. :1[. there' is. more than one,. \Cehicle, ,Insured ,::'under this policy, the. maximum. limit of , ..liabilityavailable"isl. ., '. ". ,'.'''''. . _; _ ",:)-",<';;/;",,',,::;\i:;:)},-:\U'; "';':','!', ;:<. a. the ltmit appl1cable to the vehicle that .. ."was.involved in the acCident while occu: " pying your car;. .., >C. '.,"!"'-"-;'i_ b. the limit applicable to ,the vehicl, that . was rephked wbile dccupYlng'a'rejiface} ~~'!1fPrfflr;_:or.", ,,' ,.:';:,:j;j'(-",~} . the limit~ppli~;\ble to,aiiy6n{~eIi;cle ". in~u.red under th'js~~licy whiIe~rJ.!~re~ as ': ~ a pedestnan or.mJured whl]e. occupymg a temporary sii/Jstitute cM, hon'.owned car or art'additional cdr:'.' '-,. .'. ~.!;t;,._.,' " ,_i",-, .c, <'''.,,- '. 2. . 'The limits of1iabllityarei notintr~as~dbe- calise more than one vehicle is insured under 'this policY. , ,. . '!, . <, < When C:overllgesU, U3, Wand W3,Do NiJt Apply.' J THERE.ISNO COVERAGE UNDER COVERAGESU"U3, WANDW3::'." ;:'-':-=""\.1,,::..: '",; -: ___/~'_-- ,..;,':,>~:>o/?:,c./__>il fQ.R' ANY. .INSU8ED:WB(j,<VlITH~ . OUT OUR WRITTEN 'CPNSENT SETTLES WITH ANYl'ERSONOR ORGANIZA TIONiWHO' MAY\BB lIe i J3LE' FPR:THE.BOmLf'lNJURY. '. ,-!D' THEREBY'clMP AIRS. ',QUR RIGHT TURECQVER OURc/PA Y- MENTS. . . ; \,' - H-;i'''.;,; ,~;C;,~i) .. J' b, lOTHE EXTENT IT BENEFITS;,' -.,." '~"" '. ..... ~,-_., .-\ ,.,-,-" ','\'-'-' ,\~ ",iV ANYWORKEB,$'GOMpENSA. . TIQN QR DlSA~lILITY.13ENEFITS INSURANCE COMPANY>, ; .,..... ..-.,.... .... t._",< (2)A SELfHNSURER UNDER,I\,N7!" WORKERS '....COMPENSATION, OR DIS/l.BI;.-1TY BENEFITSQR ,."SIMILAlfLAW. . .J, '....:"".,...t _+,:.: ;'__~ ;.<.,.,:-)..<r~. ;; :.. , ')'~"'f'_:"':"";""" I"" '~,. "'{-'.or',-;-.'., ;,.'-.:.;,.:..:"..: ,"j '( F()RPAIN,SUFfE.R:ING' 01{()THER ..':'.':"N.ON10()NETAJ~YiDAMAGES,~YS- '; TA.INEPB;YANINSlJRt:1J lETHE "...,L. 'BOPlLY1f'!JURrI~l'{bT.ASERIOUS ""'INJURl; ANDTFE. LIMITAtiON OF ~; ,',~> SEGTI<:lN'! 7~1'\d)(4) of :rI'J:41hl~O F ,", "THE}' PEl'{NSyr;V;\NTA'GONSQLI- <cn 'tlATED'stArutEs APPLIES." 'U-~;,>"i" .:: i_,/ rn:.-" ',:-; ';"'~"J:,:.-):; ,;;; k';U;,_) ",t.:;>;'::." 2" THERE IS:NO'cOVER:AGEFOR BODILY INJURYTOAN1NSl.J8EF>UNDERCQV - , 'ERAGEU WHILE 'OCCUPYING AMOc ." . TO,R;VEHICL130W!'ffil)BY'OR'LEASED TO WAT INSURED,Ifirr'HEVEHIGLE IS .. 'ic'~8:~i'~~~fEfEtg~fr~~~~R.~~~~i ...... : tHIS POLICydR' ANyQTHEld?QLtc;y. ,:~ c.. ._"-' :._~, '- :;;:' "- _: ~:> "'-'._ -' :."~' ,'" ",-'. " <".~ .. ': '," ':.,:_ ",' '..--"',; -. ,'" 3. THEREISNOCOVERAGEFORBODILY /NJl.JRI:TONfINSl.J8ED:lJNDER.QQV.C E'RAGE"U3' . 'c... ' ",';'"" ,a;. WHILE OCCUPYING A MOTORVE- HICLE OWNED.By,oRLEASED TO YOU,YOURSPOUSEORANYRELA- . TIVEIF IT. IS NOT INSURED FOR F,'~<" ',_ .. .. .... ...... ........ ,- 22 8387. THIS COVERAGE UNDER THIS POL~ ICY; OR b, 11!RO&GHBEINQ~TRUCKh A ',MOTOR YEHICLr,;OwNEDJ3Y OR LEASED TO YOJ!,yOURSfOUSE OR ANY RELATIVE. ., ~. '.THERE IS NOCOVERAGE FOR BODILY , JINJURYTOANINSUR.EDUNDERCOV- ERAGE W WHILE OCCUPYINGAMO- TOR VEHICLE OWNED B.Y,ORLEASED TOTHATlf.1SUREl) IF: THr,;VEHICLE IS NOT INSURED FORUNDERLNSURED MOTOR VEHICLE COVERAGE UNDER . THIS POLICY OR ANY OTHEKPOLICY. L THElzEI$ lid C;():V~RA'qEFioRkQDILY . [NJl!/?'YT.O ANINSVREl) LlNI;)BRCOV' ERAGEW3". "" !" a. WHIl:J-!f'/cciJlYINGAMot'OR VE- HICLE OWNED BYORLEASED TO YOU,yOURSPOUSE ORANYREIA- . ;TIVEIP'ITIS NOT INSURED FOR THIS COVERAGE UNDERTHIS POL- ICY;ORc" '.ie,.'. '~', ,.,," b. THROliGH BEING. STRUCK. BY A MOTOR VEHICLE OWNED BY OR LEASED 'to YOU; YOUR SPOUSE OR ANY REIATIVE.., ,} [fTh~r~ Is Od;erC~v~r~ge -:- C~~\ir~~e u ..-...:, ",: '.,'.' ,','0" ~ ;.. ; ~ .- ..:'> .. ,:_;,', ,"::, '.':_.,_' ,'.:...... ,: L If uninsured motor vehicle coverage fOr bod- ily injury IS available to an insured from more than one policy 'provided by us:or any .' other Insurer; any coverage applicable'L' - -...,.,'.... "j ','." .-.... '":i' ',' "\ . a.t1nderthis 'policyshallapply.on~'pri- mar}' basis if the insured sustains bodily "injury while not occupying a'rriotorJve- hicle ortrailer., ".b. to the vehicle covered under \his policy .'which the insUted.was.occupyi,lgwhen the bodily injury' was sustained shall ap- . pI}' on a primary basis. Any other cO.ver- age prOvided by this policy shall apply on an excess basis. ,c. u nderthispolic}' shall applyon an exCess, basisciftheinsured sustains bodily,in- Jury while occupyiizg',..a vehiClerother . thanyourt:ar.. , ' ~i, ,~--_--'_r.-'-:J\_-':':,--:", _:::--'<'r:'-:::.. 2" Subjecttoitem labove,ifthis p~iicyand one "or mor9 ~therpoliciesP\ovide coverage for bOt!lb;mJury(,., .,i' :'/,'_ ,. ," ,i' a. .oi, aprimery b'aSis, wi",n.e)ia~leonIYfor our share. Our shareisthatPi'rc~nt of the d~mages payable 011 a prin\arybasis that the limitofliapility ofthiscoverage bear~ to thi' totalofiall applicableunirisured mo" ".f tor ~elllClecoverage'onap~rnarybasis. 'b. on an c.\ce's basis,'wear{li~ble only for our share. (lm share isthat perce'rtt of the .',damagespayable on anexcessbasis,that i'C theJimitDfdiability of this coverage bears to the tutaLof all "i'j'icable uninsured "! l11otor,:veljjcJe';coverage provided on an . 'excess basis. , " .... ,'.' f': "_:" '-.. :_',:. ,.~.... ::,"._ .' ", .. ;. .". .... "'.. ' If There is Other Coverag~ 7" Cn,"."gIJ U3 '. .... ','C,' I, Ifuninsuredn19tor vehiCle coverage ior bod' ily!nj!lryi$'~va.)lable to an. insured frorn ,uo'rnhap, ()nep9li~yprovided by ~sor any otMf insurer,.thYiJqtllLlimitsofliability avail~blefr6l"}i illl C(lverages 'pr8vided by all in~Urerss?an riil! exceed th~.1iI1Jit (lfliability applic.alJl~to'We ('overage, withith~ ,highest limii .of liability:, .'fl)isisihe rrjOsttJiat will be paid regardless Of the nt1mbbrof policies invol ved, pefsQilsCQ vered, clairnsmllde, ve', i. llicleSor, prernit\msshpwnonthedeClara- . tions. page, premiums' paid or,yehicles involved in the accideiW 2. Subject to. I ,above;. an y coverage. applicable ,under this poliey shall apply; " " ;-;:~..... -_~_":i\'. (/> c,;, -'-.. .-,' ..' ..' . :.c": :.-'.,- '-.' . __ -2'" ~ .._' '.a, on a primarybasis.ifthe inswedsustains bodily injllry while o~cupying y(}urcar, Or while not. (}(cupy!ng, a motor,.vehicle or trailer. ....., , ' b., ortan. e)(c6ss basis. if the insured, sustains bodily injury while (}ccupying a vehicle not owned by or leased to you, your spouse or any relative. 23 8387 < It"-; 'I a) C') 1m "m " E ~ (; . ,.,tL ilJ >- ~.~ 150 I L (L , \ 3. Subjecttoit~rps !"and 2 above,ifthispolic)" . .'and.one or more other policiescprovide cov- , etage forbodilyin}ury:. a. on aprimary basis, w{iire'lfabjeonly fOr our share., Our shareis that percent 'of the darnage'spayable on a primary basis th8 [ the limitofliability of thiscoverage.beat S to t~e total of all applicable. u~insured motor v~hic1e covera.ge provided on a ptimciiy basis,: - . -',F:<" The total dairiages payablefrom all policies . thaI apply., on aptimary,basisshall not .' ,el\ceed the limitofliabilityoItl1ecoverage l'rovidj~g the hig~e~.tlilTlitofliability qn a ,R.~\lTlarrR"Sis:;.i,f';~ '",ii. ...... J 'b, 'orianexcessbasisiwe 'areliilb)eiOuly for . ourshare,iOur share is!that percent of the damages paYilbleon.arl el\cess.basis that .the lirnitofliability of this coverage bears to the total of all applicable, uninsured ,. , ,rp9f9~v~hicle, co,v.erag\,l'fpy\ged.89 ,a~; exd~s's-basls:f"C-; '~-,-, ,.,""\:""""-:':-"",,-:/-:::::':j ';.,-..": ':oC: :",--,:,-,. i;:';:! ~-:\"';':Y<:ll'- <'::c-'(,<:: I;,,'~:,;~f ,-, The t9tal damagesl',aYa.pl~fr.b.w..alIl'oli- .. cks, tha.(apply ?naijAxcess OilS!~shall .! ')lot exc~ed thea.mblI,nl br:~HitI11I1elimit .. Pfliaqi!ltYQf/~~sihg!ep9)jcx 'W9Viding : .thyhigfi.estli\ilit bf)i~qilitY;Qii )ii!.ex~ess .. 'p:lsise~(;eells"the liIlii!, of liiloilitybf:the . ';;~9Yerage'p/6viding tMl1igl1esll(rj'J11 of . liabIlitY-on a p(irparyJj~siS.:: e,!,.:; ...._,. >',,' ,.:'.Y"'!.i.~~.: "';'.1."',...- ':__"'.,-'~~<;.-- "':'. :::'_',-"c,"i(-:,"_:,ci 4.' 'THIS QOVERAGEDOESNOTARPLYIF 'THERB IS OTHER UNINSURED MOTOR VEHICLE' COYERAGE,oN'A.j NEWLY ACQUIRED CAR;';";;' .... . .' ii, If ThereIsOtherC()v,erage-:-C()vetage.w:: <,- (:."",-' ----:.,'.',i '); :i' ';,-.,,"~q I. If underinsured motor vehicle. cpyerag~for ..'. bodilY injury i~;availabJetbanihsutMJrom ; more than one policy provided by U5'or any other insurer, '!my.coverage applicable:. ;C,-", .;-., a. under this polley shall apply 6n aprimary basis iftheihsuredsustaiI1s bodily. injury while not' occupying a'motor vehicle or trailer. i<.r,. < . b'e t(l,\he,vehicIe; qmreg undertl1ispolicy WhICh the insured was occupying when o "the,l>,o4ilyin}'frJ' .\Vlis s~stain~d ~gall ap- . ply ()n " pnmarybaSls. AnyotliercoVer- . age prqvided by this policyshaUapplyon an excess ba~is;.> ,/ .,... '.' / ::":~,,, ,:," ''-,' .. -":"':-"-'- :'" c. under this policy shaliapplyon an excess , basis if theinsuredsustains boiiilyinjury; while occupying ,a, vehide ..other,than y?urcqr;' .' c.".: .. 2 SLibJectt6 itelTI 1 aoo~,,:if.ihispqlicY~hdSne ,,) more other policie~ provide covera.ge' for bodily injury:'> .........,.." ,..;'", ; a'on a PrImary oasis, we aTeliable,\m1y:for our share Our share is that percent of the c!<[[Jugc' payable on aptimaryba;;is.thai [he limH uf 1illl'ilityof this coverage bears to the total "f alltpplicable'undetinsured motor ~ehick ~ '_Pt. 19~,,9~~Y~T:~?~S~~. :,b' 'onanexcess baSi. ", 2te liablepnly for out'sharc. Ql.lrsharc 'c' lhatpcrcMtofthe . dah1ag~$ payable On an,excess basis. thilt ~'.e} thdir!1it'ofli"bilityofthiu'pverage bears to the total of all applicable underinsured motor vehicle coverage pro i'ided .0Uan :;':, \,_\,': ,~f~f~'~,~ f:"~,~:~'~ ~.: f~~~:.t::::J.tt;':"~'/'::':i"'" ,I ::....-~~: ')':o;~'[-';~~~'.;:,". '.;:.' (1 I1[Th~!,e,Jsptlier c;~.v~iage~,Covet~ge W3 'p-.") "'--:_.-: .,.-:::-, -__o~-;-,,__~/':'_i;:,:;il, :'''--'',:' ." "-'-':";',, ..... 1. If underinsure<l~Mofo'r;;enicre coverage fbr bOl!J!J'. i[l}lfq: is ~Y~fl~S!e t8 ap insured. f{o'";', lTlore'than.one polIcy prOVIded by us or any .'. otheril)~.urcr, Jpe.t9ta1)imits;Of ji"bility" ,availalll~'frbm all coyeragesprovic!ed bY all ".irisJierssqall not'exc'~eiitne)i'mit' (jfliabtl ity ... appli9"bl~:to th~coy"r~ge witbthel]ighest lilTlitof liability. Thisis the most that will -., pe. paidreg~rdlcs$.ofthenulTlber of policies 'involved;per~on$ cqvered,clililTlsrp"de, Ve- . hiclesor premiulTl~.shown;:on.ttie; qeclara- tionspage, premium~paid,.6r:veh ic les )nvolvcdintheaccident.. ... . Subj~gt..iptf:~b6~~:~i1y(!i;Y~f1ge .ap~li(~b]e under thispolicyshall~pply;:... '" , - ;c.'.' '_ .'.'_.-n.____' _ ...._.._ '!.:"'--.: ,:':.,',. ".:'U~_"'.^,:.: a/con a primary basisjfthc insured sustains " qodilyinjurywhile occupying your car, 24 8387 ~-:-'" ", . , or while notoc(upyinga.ril6lor vehicle or trailer. . b, on an e,xcess.baSisif theinsuredsusiains . . .bo<<ily.injurX:\Vl}!l~ occupying ~ vehicle not owned by or)e~s.ed.tO. you, your spo/is.eorany relative. .,.. ',', ',.,' ,-.. -"'-.,,,.-:'. Subject to items). and 2 above,i(thi;policy _ and one or more .qt?erpolicies provide ~ovr 'eragefotbod,zymjury: ..:',- '., .:,.~',>. ,~:~-' fri', "':'~~'''_ :':,:'r.r";i.;;r:-,i+-""::~'" .. _ ___ ..._ _~:?//\::it,?, a. on a primary basis, we are liable,olllY f9f our share. Our share is that percent of the - - damages payable on_a primary basis that' . the limit ofliabiliiyofthiscoverage bears to the total' of all applicable underinsured ,mQtor,.vehicle.,co,:erage provided?!! -a. primary basis..,. ..... '" ,; ., 'II. ,...' ~.. ',." ,- _,' >:.,' c-' '. '-, -', -,C::- '.:' ' ; ".. .. ; The total.damages pilyable from all poli. cies that apply. on a. primary' basis shall not exceed the limit of liaqility of the : coverage 'providing the highest limit of liability. on a prim.ary.basis: ,.' ,. ^"-. , '," ,','-:_: ,>,_-:,<~',(i~_-::__<_,'_:~; ,_,-; (.i~( ':'_"::',' b. on..a:n exd.ss basls,-\ve are liable only for ., our share.. Oui' share is that percent of the damages payable on. an excess basis that the limit oflialiility ",fthis coverage hears to the'total of all applicable under,insured .. -':", ,.,..... "'.".,,';.,';_;c,,,,:...,,. .. "\"'_'" -"":",~, ,.'-' .- jUotor,vehicle coverag~ provided on an excess basis. Tht(oialdarnages payable from aUpo)i- ,;cies,!l}at ,apply . on, !ill excess basis shall not exceed the amount hywhich the limit ofliability of the single policy providing .', thehighestlimit of JiabilitYOn !ill excess . basis e~ceeds the lin"\itoflia,bihlyofthe . cQverage providing the highest limit of . lia:bilityona primary basis. , ',--- '-,~.-' ....,' -, - 4THI$ C9VERAG~b()ES NOTAPPL 'iIF --THERE IS QTHERUNDERINSURED MOTOR, VEHICLEc:tNE.RACiEON A !;~t1i/>>';LY.ACQU!RE})(;Afl,. ..... Anyjudgrljenff()rdamagd ari'singoutof asu!t brOught without our written consent is not-bind- ing on us unless we: " .. "[li ,(','";' ,..,:::,:::-\::,-:._.,~ :~::;'i:.,-)j ,\^';'''C'; ;,; ''''J' ,'j "I' ~.! j h 25 8387 <' 'Ii i" !; t,I. ,ili 1,[, . '. 'I! :1 'i\ .i r--: . I ro IL~ g~ >0 s;..LL U>> COt) C := Q) 0 :La.. ISOH-1:lA10;) .'] AlUV 01 A.m1:l1:J:lS [uil:l'] ~"'"~ '-1fU l ~::lIUa LI[~I Vd'ilmqsuouu;) 0017 :lIIllS '.pAUJ:llU!OdtpnoS sss AUUdUlO;) :l:luumSUI Iunlnw uuud :lIUIS l:lUlSS:ll. [om;) :plud-:lilU1Sod 'ssuI:>-ISlY '[!UUl S:llms p:ll!Un :lql UI :lUlUS ilurpu:ls Aq S:lSS:llppU ilu!MOlloJ :l1.jl IU suosl:ld ilu!MOlloJ :lql uodn lO)U1l!q.ry JO lU:l~uroddV 10J UO!II1:ld ilUIOil:llOJ :lql JO Ado:> ):l:lllO:l puu :lnll13 :lAl:lS pIP I 'MO[:lq p:llSI[ :lIUP :lql uo Iuql AJt)l:l:l Aq:ll:lq op '.;). d 'UOS1:ll)Ud '1f? iluno A 'A)l:ll{13d 'A.r:lA13'] JO UU!} MU[ :lql ql!M :l:lAo[dUI:l uu 'l:l[q:JIOH .a 13[:liluy 'r :!I;)IA~3:S 110 3:.LV;)IIII.L~:!I;) . ~ n ?:. K <"-' ...:::: C0 :~'. \ -:-,::.1 UJ(1 () t~r~ ,;:;:. (\ , ~ 0- j <J v.;;r:: .! <"-' i'C> r- Ii:. -" r'~ I {"- b:!\.i: C'~ () :;J: -3 ~l\J f~ , U--,s -. -.. ~.., ~-'>) Ul 6 ~ c,:.;) ~ ~ c::) D c--l lJ) lr) rx -b,-. - JA YME CASHMAN AND BARTON CASHMAN, PETITIONER IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA V. STATE FARM MUTUAL AUTOMOBILE: INSURANCE COMPANY. RESPONDENT : 05-1832 CIVIL TERM ORDER OF COURT AND NOW, this 11--- day of April, 2005, a Rule is entered against State Farm Mutual Automobile Insurance Company, to show cause why the relief requested herein should not be granted. Rule returnable twenty (20) days after service. Any answer filed should be forwarded by the Prothonotary t~/~X. ,y/ B~ t~~CoUrt,~;;~~ , /,r// " / /my L. Coryer-Host. Esquire For Petitioners :sal ,> v&roL T(53rne~ FiLEl}-()t'i'CE OF n-',~,., pc:r,"r',"',"i'J()TV1'( . _ ,.. ~J) .'.,,' .~, 1,"";1 , 2UD5 APR 12 PI: 3: 10 Citll." ..'l\f:'.".._. , Lavery, Faherty, Young & Patterson, P.c. By: Amy L. Coryer-Host ID# 82718 225 Market Street, Suite 304 Harrisburg, PA 17108-1245 (717)233-6633 E-mail: acoryer@laverylaw.com Attorneys for Petitioners Jayme Cashman and Barton Cashman JA YME CASHMAN and BARTON CASHMAN, Petitioners IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY v. CIVIL ACTION - LAW STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, NO.: 05-1832 Respondent PRAECIPE TO WITHDRAW PETITIONERS' PETITION FOR APPOINTMENT OF ARBITRATOR To the Prothonotary: Please withdraw the Petition for Appointment of Arbitrator in the above-captioned action. Respectfully Submitted, Lavery, Faherty, Young & Patterson, P.C. Date:~ By: (),,-w,~:t r~,,~ Amy L. oryer- 0 t, Esq. Attorney for Petitioners , CERTIFICATE OF SERVICE I, Megan Renno, an employee with the law firm of Lavery, Faherty, Young & Patterson, P.C., do hereby certify that on the date listed below, I did serve a true and correct copy of the foregoing Praecipe to Withdraw Petition for Appointment of Arbitrator upon the following persons at the following addresses by sending same in the United States mail, first-class, postage-paid: Kevin D. Rauch Sununers, McDonnell, Hudock, Guthrie & Skeel, LLP 1017 Mumma Road Lemoyne, P A 17043 Date: t./ ' ;2;)0 6 o~ -r.~ f', r'p{', :z .~ 1 ;: " (n ,,' ~..:'~ ' ~ ,..-'1 ,...-:::",. l(~:': ~~~- ::.1. (") r- ~ = ,J' ~ ::0 '" 0' ...~' o -n -' -;If.-r. ,,'f: -C)i;l:. ":';'..11..1 ()).-, ::;:i~', s(~:~ ,- :p -:::. -0 :>< - u' vJ ,... SHERIFF'S RETURN - OUT OF COUKTY CASE NO: 2005-01832 P COMMONWEALTH OF PENNSYLVANIA: COUNTY OF CUMBERLAND CASHMAN JAYME ET AL VS STATE FARM MUTUAL AUTOMOBILE R. Thomas Kline , Sheriff or Deputy Sheriff who being duly sworn according to law, says, that he made a diligent search and and inquiry for the within named DEFENDANT , to wit: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY but was unable to locate Them in his bailiwick. He therefore deputized the sheriff of WASHINGTON County, Pennsylvania, to serve the within PETITION TO APPOINT On April 28th , 2005 , this office was in receipt of the attached return from WASHINGTON Sheriff's Costs: Docketing Out of County Surcharge Dep Washington Co Postage 18.00 9.00 10.00 31.79 .74 69.53 04/28/2005 LAVERY FAHERTY So answers: ,.---, '~"?. " - -,--::::-,.-./.:--- .,,-~- ~;;>-'7""::'-!-/ ~ R.' Thomas Kline Sheriff of Cumberland County / -~ YOUNG PATTERSON Sworn and subscribed to before me this 3~. day of ~I A.D. ~{__o -d '~.\ Ql ~. - \. /9"-L 00.., ~ I Prothonotary , In The Court of Common Pleas of Cumberland County, Pennsylvania Jayme Cashman et al VS. State Farm Mutual Automobile Insurance Company No. 05-1832 civil Now, April 8, 2005 , !, SHERIFF OF CUMBERLAND COUNTY, P A, do hereby deputize the Sheriff of Washinqton County to execute this Writ, this deputation being made at the request and risk of the Plaintiff. .,....,/ ~. ~~~/~-R Sheriff of Cumberland County, P A Affidavit of Service Now, o'clock M. served the ,20 ,at within upon at by handing to a copy of the original and made known to the contents thereof. So answers, Sheriff of County, PA Sworn and subscribed before methis_dayof ,20_ COSTS SERVICE MILEAGE AFFIDAVIT $ $ John C. Rheel Sheriff Washington County, Pennsylvania Office of the Sheriff T. William Bryker Chief Deputy Courthouse Square Suite 101 100 West Beau Street Washington, Pa 15301 721-228-6840 Fax 724,-223-1719 Sheriff File Number - 05001325 Court Docket #: 05-1832 CIVIL County ofW ASHINGTON, Commonwealth ofpENNSYLV ANIA JA YME CASHMAN & BARTON CASHMAN Affidavit of Service vs. COMPLAINT ST ATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY I hereby CERTIFY and RETURN that on 4/15/2005 at 2:40PM at 555 SOUTHPOINTE BOULEVARD, SUITE 400 CANONSBURG, PA 15317 the within COMPLAINT, was served on STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, the defendant named therein, in the following manner: CORPORATION By delivering to and leaving with CATHY DYKE the CLAIM REPRESENTATIVE a true copy thereof. SERVICE ATTEMPTS This is the first attempt at service Deputy Notes: Fees Received from Attorney: MILEAGE ($6.29), POSTAGE ($1.00), FIRST DEFENDANT BASE COST ($24.50) Total Charges $31.79 Attorney Name: CUMBERLAND COUNTY SHERIFF, ONE COURTHOUSE SQUARE, CARLISLE, PA 17013 Affirmed & Subscribed to before Me April 21, 2005 STEVEN SOLTESZ, Deputy Sheriff a~ 0 ,Cj(;CQIJ& Notary Public My commission eXPires:f IrLe&L NOT,I\rHAI~ S;':"1- "Tam; L. P~w..."";/-;.a. ;-..:.)tu.~':"J "'1;-, . ~':"~tr;g(~n, \V~.'~r,;r'(ji()n CC1J.1t:;. !:>'4- ,My ...,orY'i'nrec:on E:x,,"~prn 11, :eGOS I Sheriff of Washington County