HomeMy WebLinkAbout96-00702
,.
."
'I! ,
"
''-'If
"
,
,
.,
"
.'
"
."
, "
I'
.'
J
.1
.1
,
"
,
.'
1
-a
]
0:
" ,
'!
".
.,
,'I
.'
../
, ,.
"
"
it'
q d
, '
,,1
. ,
"
, ,
.,
,
.,
'"
"
"
,"
'1'1
tl ;\
, ,
",,]')
II.
.,
,
,
"
"
.'
1
"
,I,; Ii
.,
" I
,I,
';j
"
'I'
.,
"
'!
'"
i/'
.1 '
,
1
'ri
"
., ,
"
,
Iii!
;"
'I]
, ,
1, 'I
~
,1'1"
I.,f
: '
'1"11 ';I
"
.,' I'
"
,", 1,"1
" ,
,
.,1
,LJ
, '
"
,.
.\,
11'1
"
,
',r'
"
"
.,
"
'1.
1-,1
'1'1
.,.
,
"
,
,
,
'"
,'.
"
I,
-Jr'
II'
I.
{
-J.
'i'"
,oj
"
'i
.,
,
";
.,
,
,
"
,d-'t
\
,
.,'
(H
, '
)1
,
r,
"
,j,
,
'1'1
'.
'.
'I:,,,
,1"1
,
,
'"
,,'
.,
,
,
..-1
"
"
! I;
"
, ,
;I;
"
,
,
.,
\.
'i.l;)
"
,
,
.,
,
,
,,',
,
'I
-/
\ _ "J _ ~ ,
n "'0:
" ,
,
.,
"
"I'
1;1 '
"
,.
"
';'
,
,
.',
,.
~ I'
, ,
"1,;
"'-
"
',I
',,)
/ '
/.
,
,,-1
"
i'I"
/,','
".
.,
, '
'.
"
"
.,
,
1,/
, ,
q
-'-II,:
I j
,
"
,
"
:111"
"
(
"
,
".
, ,
,
1.,'1
,
,,'
,
,I.
, '.
"
,
,
I,
'j,'
"
, ,
"
,
,',
,
I,
,"I'
.,
"
ii, I
1,/,
,
"
~
J
"
,p ',I
,
)'1
',1
'j'
,
"i'j'
,'I
;,'j
\
,
,I,
"
-,
,.,
.,
il.-
,I'
'",
.1,
I
I
'r
II;,
.1
,;"! 'l, L 1- . ~ I,
"
"
II
"
','
, ,
"
1'- ','I
! 1 ',~ \
.,
"
:',"1,;11'1
"
"
"
,j'
"
"
'I'
'.'
, ,
),;1]
,
."
"
,
'I
(I -<1
"
'I,
'.'
,I: ,.Ii
JI,
'"I,
,'Ii'
"
,
,
,j'
"
"
"'I-I
, I
'I,
,'i
"
II ''',
',lll
(()
o
r-
"
ill
.,
X:''
"
;'
,,1,
.,
,j'
,
,',
,!",
'I.'
"
"
,
"
'1',
"
,.
, '
i'l
, '
.,
"
';)
..,
\I
',!I'
.\
Ii'
.,
",
.,
,,'
i ~j
'I'l'
"
.'
.,
"
'",
.,
"
, '
"Ii
"
"
"
,
,
, "
"
,
,
.,
'i
""ri',";
'.:
,1),1\
.'
I
!
.'
-\,J
.-,
,,}
"
...-...
\"'i"
" ,
,
'!'.!
"
'"
,
"
I,
"
'1'<
.'
"
."
'I,
"
,I'll;)
lq
L,d
,
"
I' "
I I')
I
,
! ~ I, ' , - I
, "
, !;
:i)'
,
" i'
I'
,'II'
I
"
" !
i'l').'
,
,
.,
;-1
, I
,
\'
.,
,
,
.1
,!,
i:,!,! 1
-". ;!
;1
\
.'
,
'i
), ]'1
,
',_ 'I
,
, I"~
-II
\1
I
, '-,
"
'1
,I
;i
'I
,
, ,
, "
I'
I,
"
,
.,
"
,
,"
"
,
.,
"I,
,
, ,
"
I
",
)f
i',
"
'"
',..,
,
'f'
"
'j
,
!
,.1'
"
"
el
,
, ,
I"
, I iJ,
"
.1- r
!.
',I >I
"
I-_i,']
, ij _ ~I: L;;
l'I-'-I'ii,j; i'
1,1_,il ,,- 'j
,
,
, 1 ~,
"
"
I:'
I_,ll
'I,
,r:
,
, '
,I'
,
,
"
..,
_;',1',
.'
,
)
,
"
:1._ "I
,J-','_;,-,ii:
.';;"'),1,1'
"I_,:'y~!/;_Il' ,
- d
~~;" '
"
,.
,,'
-'I
,
.'
".
, .
,
",
i-I'
l ~'i
i i,l!
'I,
"
,
, ,
'I
LAURA L, KOCH.
. Plaint1 rr
#6
. : I IN ,THE COURT OF COMMON ~LEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
V:
'JOSEPH D, PUCHALSKY.
CHRISTOPHER MARTIN. and
LISA J, PUCHALSKY.
Defendants
I' CIVIL ACT~ON - LAW
,
,
NO, 96-0702 CIVIL TERM
P RE.TRIAI. L.C-.O NF EREN CE..
At a pretrial conference held October 22~ 1997. bef6re
Edgar 5, Bayley. Judge. present for the plaintiff was VolerleG,
Zim, Esquire, and far the defenclants, TimothY I. Mark, Esquire,
On November 10, 1994, Joseph D. Puchalsky was
opetating a motor vehicle that struck a porked cor in which
plainti ff, Laura L, Koch, was located, Joseph D. puchalskY
admits liability, Plaintiff withdrew the claims against the
owners of the vehicle, Christopher Mortin and Lisa J. puchalskY.
at the pretrial conference,
Estimated time.of triol,
,
, .
h'O days, .
,
Valerie G, Zim, Esquire
For plainti,ff ,
, II,
TimothY I . Mork. Esquire
For Defendants ' .
:prs
.
II". )
, ,
I.
., .
I~;::
'.J
-,
IJ;
1:)1::.,
I."" I
1_)
1'1
L1\
rlji
il;t'
f'
b
1,.....,
~..
It.'
(;;)
,.J"'...
, 0"
"
"
"
.,
,
!,
"
, ,
"
, !
"
I 1\
"
, ,
;1' i
li
i!
"
,
,.
ri
,
'" I"
1"
"
1''''
'.'
"
! ,
.,
,
" ']I 'i
h
, ,
','1
'1 ,
I Ii,
, ,
, ,
,
,
"
,
;1
,
"
'JJ
'JI'I)j
,
I';
,
"
,
,
,
.,
I'
,
",
" .,
;,',
.,
LI; dJ
., Li
'Ii
I!
'f
\.(.,
..;! ,
I.~:r
; ",,',{I
.,
'"
Q'
l!
,
,'{~:
'l.1:
jCi",.,
'i,;,)~:J
-' ~);1'
I""
;1)16
',1/1...
"
,
\
..t:'"
/,
; l
"
II
'lf1
,
,
~:,,)
C>
, .,
"
,
"
" ,
"
, ,
",
, ,
"
,
LAURA L, KOCH
: IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
PlaintilT
,
,
: CIVIL ACTION
vs.
,
. '
,
,
: DOCKET NO. 96.702 Civil Term
JOSEPH D, PUCHALSKY;
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY
,
.
:JURY TRIAL DEMANDED
Defendants
COMPLAINT
I, Plaintift', Laura L. Koch, is an adult individual currently residing at 10 Fairview Drive. St,
,
Davids, Delaware County, Pennsylvania.
2, Defendant Joseph Puchalsky is. upon information and belief, a minor individual currently
residing at Messiah College, Grantham, Cumberland County, Pennsylvania.
3. Defendant Christopher Marlin is, upon information and belief, an adult individual currently
residing at Messiah College, Grantham, Cumberland County, Pennsylvania.
4. Defendant Lisa Puchalsky is, upon information and belief. an adult individual currently
residing at Messiah College, Grantham, Cumberland County, Pennsylvania.
5. On or about November 10, 1994. at approximately 4:54 p.m., PlaintilTLaura L. Koch was the
operator of a 1987 Oldsmobile Cutlass Cierra. Pennsylvania Registration No., WGR 911 which was
stopped near the front of the west door of Smith Dorm. Grantham College.
6. On or about November 10, 1994, Defendant Joseph Puchalsky. was operating a 1986 Toyota
MR.2, Pennsylvania Registration No. APF 1384, and was attempting to make a left turn onto Campus
Drive from the main entrance of Grantham College.
7. On or about November 10, 1994, the aforementioned vehicle operated by Defendant Joseph
Puchalsky was owned by Defendants Christopher Marlin and Lisa Puchalsky.
8. On or about November 10, 1994, Defendant Joseph Puchalsky was operating the
aforementioned vehicle with the full knowledge and permission of Defendants Christopher Martin and
Usa Puchalsky,
9, On or about November 10, 1994, at approximately 4:S4 p,m. Defendant Joseph Puehalsky
made a left turn onto Campus Drive from the main entrance of Grantham Collcge.
10, As Defendant Puchalsky turned onto Campus Drive he accelerated heavily, causing him to
lose control of his vehicle and to swerve to the lell lune of Cum pus Drive and then swerve buck to the
right lane of Campus Drive and collide into the lell rear of l'laintifl's stopped vehicle,
11. Defendant Puchalsky's vehicle impacted Plaintift's vehicle with such force that Plaintit1's
vehicle was forced up onto the sidewalk,
12, Defendant Joseph PlIchalsky recllived a citation for violation of the Pennsylvania Motor
Vehicle Code Section 3361, Driving Vehicle at Safe Speed,
13. As a direct and proximate result of Defendant Joseph Puchalsky's collision with the vehicle
operated by Plaintitl', PlaintitT sufTered injuries, including postconcussion syndrome with contusions
over the skull and knee. headaches and severe myoligamelllolls strain of the lumbar spine,
14, On or abolltthe date and time indicated, Defendant Joseph I'uchalsky operated his vehicle at
a speed greater than was reasonable and prudentllnder the conditions, and without having regard for the
actual and potential hazards then existing. and at a speed grcater than that which permitted him to bring
his vehicle to a stop within the assured clear distance ahead, which resulted in his colliding with the
vehicle operated by PlaintifT Koch,
15. As a direct and proximate result of Defendant's conduct, and failures and refusals to act,
Plaintiff Koch suOered injury, loss of wages, pain and sutlering, medical bills, and such other damages
as may become apparent.
COUNT I
Plaintiff Laura L. Koch vs. Defendant Joseph Puehalsky
NEGLIGENCE
16. Paragraphs 1 through 15 are incorporated herein by reference as though fully set forth.
17. At the date and time aforesaid. Ihe carelessness and negligence of Defendant Joseph
Puchalsky consisted of Ihe lilllowing:
17. I He operated sold vehicle in careless disrcgard tor the rill,hts and salcty of others in
a manner so os to endanger olhcr pcrsons und property;
17.2 lie tidied toooserve the course of his vehicle's palh und Ihe pUlh of other vehicles;
17.3 He opernted suld vehicle without 0 c1ellr view oftrallic;
17 .4 He failed tomainlaln proper lookoutlllr other trnt'tic;
17,5 He tidied III observe posted warnings and limitations pluced by the Commonwealth
of Pennsylvania uJ1llnthe highway. including. bUlnotlimited to. operating his vehicle
at a safe speed;
17.6 He operated his vehicle at a speed greater than wus reasonable Ilnd prudent under
the conditions and without having regard for Ihe actual and potential hazards then
existing. and at 0 spced grealer than that which permitted him to bring his vehicle to 0
stop within the assured clear distance ahead;
17,7 He did foil to operate his vehicle at 0 safe and appropriate speed when approaching
a vehicle from behind which was stopped;
17.8 He failed to observe such other obligations and laws as may become apparent.
18. By reason of the aforesnid conduct and os a direct and proximate result thereof. Plaintiff
Plaintlll'Koch suffered multiple injuries, great pain and sutlering. wage loss. medical bills, and various
other infirmities and such other damages os may become apparent.
WHEREFORE. l'laintiff demands damages, including medical bills, and pain and sufTering from
Defendant in excess of $25.000,00 plus costs, Plaintitl. demands a jury trial on 011 issues triable by jury.
COUNT II
Plaintiff Laura Koch vs. Detendant Joseph Puehalsk,y
GROSS NEGLIGENCE
19. Paragraphs I through 18 ore incorporated herein by reference as though fully set forth.
20, The conduct ofDelendant Joseph Pudmlsky was in wanton and reckless disregard ol'l'lalntil1'
In the following manner:
20.1 the danger to the Plaintiff, though realilcd by Dct'endant Joseph I'uchalsky or which
should have been realized by Defendant Jllseph I'uehalsky, was rccklessly disregarded,
exhibiting a willingness, or in the alternative, a cllnscillus Indillcrence tllthe perpetration
of the wrong;
20,2 Defendant Joseph I'uchalsky knew, or demonstrated 0 reckless disregard. failing to
realize the position of the vehicle operated by the I'lllintilT and by driving into same; and
20.3 Defendant Joseph I'uchalsky's conduct was consciously negligent, careless,
dangerous, willful and deliberate in nature and therefiJre showed a complete disregard of
and contempt for Plaintiffs rights, the rules of caution required of a motor vehicle
operator and the laws of the Commonwealth of Pennsylvania.
21. As a direct and proximate result of the aforesaid gross negligcnce of Defendant Joseph
Puchalsky, Plaintiff sustained the damages set forth above, and is cntitled to punitive damages,
WHEREFORE, I'laintil1' L.aura L. Koch requests that judgment be entered in her favor against
Defendant Joseph I'uchalsky in an amount in excess of $25,000,00 together with costs, interests, and
other relief as this court deems appropriate.
COUNT III
Plaintiff Laura L. Koch vs. Christopher Martin and LlsaPuchalsky
22. Paragraphs 1 through 21 arc incorporated herein by reference as though fully set forth.
23. Defendant Joseph Puchalsky operated Defendants' Christopher Martin and LlsaPuchalsky's
vehicle with their knowledge and permission,
24, In the alternative, the aforcsaid injuries are a direct and proximate result of the negligence
of Defendants Martin and Puchalsky as they entrusted a vehicle to another individual and further failed
"
,
, ,
i'd
d .;
,
"
., '
...,
"...
ir. 1/) ?;
..:J
r:~ {I,. :'~~'
r
~" ~ 'J'
,. 'l.. .,,~
~.
f~ ',~s;
In ..~
.... - ~: l" ..
UI $;'.l :\~~
'L :::>
F - ",
~ ~ a
I~
, i
"
,
"
",.,i
,.1'
I,,)
,
;,1 ;/
1
'I, I
1
, ,
,
L'
,/
"1
.,
,
;'j
'I
,
,
q-
"
II
"
i.:-j
iI
"
, .,
.,
., "
, ,
,
,
,J
., ,
"
Hi "
,
I'!
'I,
,I
,,,I
.,
.,
.,
"
"
JI
.,
i J
!J
I
,I
,
"
,
Ii
';.,
r;
,-I
.i
" 'I
,il
, d
, ,
,:1
,I "
t ,I
\l
I,
'I;
q
.1
,
.,
I':
II
,
,
'I;
,II
ii
;.1
'I
"
, ,
I,
'i
"
,
I,
I
"
Iii'
"
.,'
~: , ,
.W ,. , ,
Lt: : , , ,
F' ,. ,
.. ' ~ , !
Il~P :- ..:~ i!
, ~1- ):,r
l~ij: i;,L: \7_;j
~,. .n ;,.~
"
, -j'" I 1 j~<__,~
CLI" B" , ':)I:~
\i_' J .~ '-'ll' '
V; ~J . I'
I!,) ',,) a
j (:;.,
,
, ,
,
"
,
, , ,
"
" ,
I II
,
i'
"
"I
,.
Q
UI E
z . .. ~
0 '"
II: . :t '" Z
~ < ~ ~ ~
. ' .J .. ~
0 VI
::c: . f- ..
. ~ z
0
16 u Ul 0 Z
. ~ ~ Z
.J < ~ w
. w <
.J 0 z .. ~
III " II: . ~
~ . 0 0
" It
0 " ~ z :;)
0
.J . C ,., III
~ . '" III
< ,., ii
IX
.
:J:
"
"
,.
,
,
,
"
If
"
"
':1
, ,
1'1
1'(
, ,
"
I'! I
,
','
, .
"
it
, "
,
".
.'
';j,J
"
I'
"
1,1
, .,
!
, ,
lol"'-Mlt,qo-IIILl '1' nl.... ~I"'llltlt
ON I'lWi 00 A'....O. WOl1 1.,11-1,.
.
, ,
LAURA L. KOCH,
Plaintiff
· IN THE COURT OF COMMON PLEAS .
· CUMBERLAND COUNTY, PENNSYLVANIA
.
.
.
· No,: 96-702 Civil Term
· CIVIL ACTION - LAW
.
v,
JOSEPH 0, PUCHALSKY,
CHRISTOPHER MARTIN and LISA 1.
PUCHALSKY,
Defendants
* JURY TRIAL DEMANDED
PRELIMINARY OBJECTIONS TO PLAINTIFF'S COMPLAINT
FILED ON BEHALF OF DEFENDANTS
1. The instant lawsuit arises following a two-vehicle accident on November 10, 1994,
According to the Complaint, the Plnintift's vehicle was struck as she was sitting in her vehicle, which
was stopped in front of a dormitory.
2, Plaintitl's Complaint names as Defendants the operator of the vehicle, Joseph D,
Puchalsky, and the owners of the vehicle, Lisa 1. Puchalsky and Christopher Manin,
3. Plaintitl's Complaint contains three Courts: Count I - Negligence against Joseph D,
Puchalsky; Count II - Punitive Damages claim against Joseph D, Puchalsky; and Count III - Negligent
Entrustment against Lisa 1. Puchalsky and Christopher Manin,
PrelimlnaJ:)' Oll.ledlon In the Nature of a Motion to Strike or For Greater Spel!lnl!lty
4, Under the negligence claim against Joseph D, Puchalsky, contained in Count I, the
Plaintiff avers the following, in1cI: lIlia,:
14, Since Plaintiff has failed to plead whelher ~he was bound by Iho limited lort or full tort
option, and If bound by the limited lort opdon ha~ turther failed 10 plead any e)(ceptlon 10 Ihe limited
tort rule, the allegations in the Complaint regardin!! non-economic dama!!es must be slricken, so.
Cunningham v Clarke, 139 p, L l 336 ( 1991)
15, Pa.R,C.P. (a)(2) permils a Molion 10 Slrikll whcrlllhe Pleading conlains scandalous
or impertinent matter such as Plaintit1's avermenls re!!arding lion-economic dama!!es where she has
failed to plead enlitlemcntto such dlllllllges in .\ccllnlance with l'ennsylvllflia law,
WHEREFORE, Defllodants respeclt\llIy re11llcsllhis Illlnomble Court to slrike Plaintiffs
claims for non-economic dama!!e~ in this elIse,
Rospecll\llly submilled,
By:
CAU>WEU,,& KEARNS
//i,{'1
~Wm;llhy I.~t t'~~~re
AIIorney II~ 1~7758
Deborah A. Cavacini, Esquire
AlIllrney \I) 1167900
)t>31 North Front Street
Harrisburg, I' A 17110
(717) 2.12- 7M\
. AlIllrney tilr Defendants
~
,
Dated: September 4, 1996
110'17
"
4
~'lH.'I'llq.. "/01,01"1''1 .,1,. ,j~'\""i ~D
, "
"
,
"
,i'
I,
.,
1.1 '
.,
, ,
'II
,01
"
,
'i
"
,
I,ll
I," !,)
I,!
.,'
"~I ,
oj
",
\'
"
\'1
"
Ixtlllllt A
'II
iI'
"
;1'
l.....llM I.. K.OCH .
Plelnllff
: IN 1'UlZ cOI.n~r OF COMMON 1'l.EAS
Of CUMSP.RLAND COUNT'i, l'A
I
: (:\VIL ACTION
va.
,
: DOel<!-:'O'lO. 96.701 elllll Teml
JOsePH D. PUCHi\LSK'i;
CHRISTOPBlSR MARTIN; and
LISA J. PUCHAI.SKY
,
;rtJiW '\'1~I^L OEMANDl',l)
DefendanlS
I, Pl3intitf. bura L. Koch, is an edult individual currently le\lclinl!. 1110 Fa\tvlew Drive, St.
,
~lf1.,AlliI
Davids, Dela",ar" CounlY, P.nnsylvanle.
'2, Dcfendal11 Jo~eph I'uchelsky I., upon informallon and belief, a m!Mr indlvid".1 currend)'
residing at Messiah College, (Jl1lnlhDm, Cumbfll.nd CountY. Pennsylvania,
3. Defendant Christopher Mal'lin Is, UPQn Infonnatlon and belief, an adult IndiVidual cull'\!ntly
residing al Melsiah Collese. Or1lnthllll, cumberland Cnunly. Pennsylvania,
4, Defendant Usa Puchll~ky is, upon Infl.llmalinn alld belief, all adlllt individual currently
re.slding al !VIessiah colleae. Crantham. Cumberland CounlY, Pennsylvani.,
S. On or aoout NovemhellO. 1994, at approximately 4:54 p,m., Plaint,ffJ.aura L.l<oth wll5lhe,
operator ora 1987 Oldsmobile C~tla~~ Cicrra, Penl\liylv~nia Regiltration No., WeiR 9\ 1 whi~h was
SlOpped nCII the front ohhe ",(\1 door of Smilh Dorm, Grantham Colle~e,
6. On or aboUI Novembe' 10, 1994. Drfendanl Joseph I'uchalsk)'. "'" operating a I 986 Toyota
MR.2, Pennsylvania Regllllra\iulI r-;o. ^PF 1384. and wu Bt1empling to make a lef'llum onto Campul
Orl\)e from the main enlrance of ar.lJlth~m College.
7. On or about \'!ovember 10. 1994, Ihe aforemenlloned ,.hide oper3lcd by Defendant Joseph
puc!latsky wn owned by Defend,,~IS Christopher Marlin and lis~ puchalsKY,
8, On, or aboul Novrmber 10, 1~91. Defenoanl Joseph Pucha\sky WA\' CJpcrallns Iht
aforemenlioned vehicle wilh 11Ie full knowledge and perrni,,;nn of Oer'ndanlS Chti~I(\phc[ Marthl and
Lisa I'uchalsky.
,
9.01'1 or ~b()llt November \0,1994, ~t npplll~IO\Bt~ly 4:54 pm, O~(tIlJ'1II1 JOltph Puchal~kl'
m~dc a Ic~ lurn onto Camplls Drive flOllllhe mnln cnlrance or(J~nth~m Coll,~e
10; As Otfcl,danl puchalsky nlmod ('Into CampUS Drive he accoleraled heavily, causi,'S hllTll,~
Inse conlrol of his vehicle and 1\1 ~WCl'vr. In Ihe lerllane o( Campus Drive and lhen Ill"". hack t\l th.
right lane of Campus Drive an" collide illto Ihe left rear or Plaintiff's Slopped vehlcl~.
II. De(endanl P\Jch~16kY'fi ,'chlcle il1lpAC,led I'lolnll((,s vehicle with such force Ihat Plalnlirrs
vehide was (orced up onto Ihe sidew8lk,
12. Dt(el1danl)oseph Puch.llky ,e~dv.,t ~ cilali<ln for'violation of the Pcnns)I\'anla 1vI(llor
Vehicle Code Sw!~n 3)61, Dr''.''''g Wh,d, " ~~f'" Sp'!co:!
13. Au directand proximate r.slllt of Dtfend:t.l\t Joseph puehal:;)"')", collision with the vehicle
operated by Plalmlff. Plaintiff ~ufTered injllries, including pO:>1concusslon 5)'tldrome wilh ccnNslons
oVer the skull and knee, he~da(h.s .11.1 severe myolle3n1entous strain of the lumbar spine.
14. On or ab(lut the dale and lime indkated, O.felldanl Joseph Puch31sky operaled his "ehicle at
a speed grealer thIn was reuonab)e 811d pilJdent under Ihe conditions, and without h3vlng regerd for the
BeNal end polential huard! Ihen 'l'illhlp, and'l . speed greater Ih3n that ....hieh pennltttd him IQ bring
his vehicle 10 a stop whhln the mured cleal dislance ahead, which rc~u1tcd in his colliding with Ihe
vchicle opcuted by Plaintiff Koch,
IS. /\$ a direct and proxlmale result of Defendant's eonelllol, and failures and rcfusals to act,
PlainliffKoch suffered Injury, 10lS of wages, P'lin .nd sufftll,,!!, meelical bills, and such olher damages
IS may become appllfent,
COUNT I
fJlinI.\1!.LaJJJJ I". Koch vs, DcfcndslIl Jmcpl11uchal.kv
.
NECLlGENCE
16, Paragraphs I through IS arc incorporated herein by reftlene" as Ihough fully set (ol\h.
I? At Ih~ ~alllllnr.llll\1i: 'Iformld. thll tBIclelanus ~nd nellllllencc Qf Dcr.nd~nl Joseph
puchnlsk)' eOlljlsled of Ihe following:
11,1 lie operated seill whkle in C~leltsS dlmRlld for lhe rights allll :;afe!)' of othtlS in
3 nlDnner so as to endanger other persons and property;
1'1,7, lie fallcd to observe Ihe couM ol'hls vehkle's path and the pIllh of olher vehicles;
I?J He operated said vehicle without a clear view oflraffic;
17.4 lie fallcc1to mlinllln proper !()(}kout for other traffiC;
ItS \Ie fallCIlIO ob~elve posted warnings and Iimiwtions placed by Ihe Commonwealth
ofPenosylyania lJpon Ihe hlfi,hway, including, but not limited to, operllbg his yehlcle
at l s!fe s;>rrc1;
17,6 He opel'llted his vehicle at a $pcc,l &fc.,ter than was reasonable and prudent tinder
the conditions and without havinS reeard for lhe actual and potential hauro' !hen
existing, and at a speed gtrater ,h8n thar which permitted him to bring his vchlde 10 a
stop within the assurtrl r1e.1f rlimnce ahead;
17,7 He. did feil to operate his vchicle at a safe and appropriate speed when approaching
a vehicle flOm behind which wes slopped;
17.8 He failed 10 obsel'\'e ~Ilch other obllg31ions and laws 65 may become apparenl.
18. By relSon of the afolcsaid conduel anc1 as a direct and proximalc result thereof,Plalnliff
PlelntlffKoeh luffercd mulllple injuries. great pIIin allc1sllff..ing, wage In~s, medical bills, and variotls
other inf1""ltlcs and such other dall1lges as may br(omr. appalent.
WHEREFORE. Plaintiff delllands dam3&e~. incl"dine medical bills, ll1ld pain alld sufferina from
Defendant In e,eus of$25,000.00 plus com. Plaintiff demanns 3 jury trial on 311 issueslriable by jur)'.
. COUNT 1\
pliinljJllaura J(dCh vs..D..~fcndant JoscDh..l?ucnalskv
GROSS NWLIClNCE
" .
"'..
"
19:Parasuphs lth.uugh III al'. incorporated h.r~l" by r.fere"c~ a~ though fully It I IOrlh,
20, The camluC1l1fDcrellAjo1l1t Jo~ph I'uchalsky wBsl" \l'Dlltun and recklc~\ dillcgard of PI.,inllrr
In Ih. full owing manner:
20,IIIIe d.tngcrto Ihe PIGhllIlT, thp\lllh r..lilcd \'y Ool""llnl Joseph Puehalsky or which
. ~hould have been rcolizrd by Der.nuanl Jo~el'h 1'lIch.l~ky, was recklessly disregarded,
exhibiting, wllllngnc&s. or In Ihe altemal\w, n (oI1srll)ll' indifference 10 the pcrpc\fllllon
ofllle \llPns;
70,2 [)efend~nl Joseph Puchnlsky kJ,cw, ur demolis!rattd a lC(kJcss disrt!!""I, failing to
rulilC Ihe position oflhe vehlde operalcu b~ lhe !,loindCl .",Il'y driving illlo So'",C, and
70" n(fcnd"l~t k~(~h r\l('~(lt~'~y's ':QI')"hH:l wn$ t()n~d(.lu..ly 'lc-g"2tl"t r..~rr1r~~;
/,langcroIlS, willfbland deliber;lle in naNre al,d lhe~rorc shewed Humpl.!. diSle.sard pf
3nd conlempl for Plaintiff's rl&hu, \he mtes of caulion required of a mOlor vchicle
Op"ralPr and tile laws ohhe Commonweahh of Pennsyl"ani3.
21. As a direct end proximale resull Qf Ihe afo,.",id gross n~s1igence of Defend.nl Jo,epll
Puchalsky, PJalnlifTs\lllalned Ihe damages sel forth above. and;s enlltled to punitive damagu,
WHEREFORF., Plaintiff Lawa L.. Koch requests thaljudgmenl be entered in her favor asainsl
Defendant Joseph Puchalsky In Iln amo~1I1 in execss of $:15,000,00 logclller with costS, Intemts, and
other lelitfas Ihls CO\lrt deems appropriale,
COUNT III
Plaintl(f I Bura L Koch v< Chrlllopher 1I,.nlnandLlsl."II~hf.IAkl!
22, l'arllllrBphs I throllgh 21 are Incorporated herein by reference :u Ihough fully sel forth.
23. Defend,'nl Joseph Puchal~ky operaled [)efend~nts' Christopher Martin and Lisa Puchalsky's
vehide with Iheir knowledge and permission,
"
24. IlIlh. altcnunive. the .r'il...id injulics ale :rd"C'1 and pro,i,,'.!. re,5ull oflhe negligence
of Defend.n" Marlin and PlIch:olsky., they ."llU"cd a "el,kle 10 anolher j"dividual and furlhcr faIled
CERTIFICATE OF SERVICE
I hereby certifY that I am this day serving a copy of the foregoing document upon the persons
in the manner indicated below, which service satisfies the requirements of the Pennsylvania Rules of
Civil Procedure, by depositing a copy of same in the United States ~ fail, Harrisburg, Pennsylvania.
with first-class postage, prepaid, as follows:
Clifford A. Riedel's, Esquire
RIEDERS, TRAVIS, MUSSINA, HUMPHREY & HARRIS
161 West Third Street
P,Q. Box 215
Williamsport, P A 17703
Allorney fol' Plaintiff
.
,
. "
CALDWELL & KEARNS
, .
,By:
'-1
Timothy I. ~ar
Allorney 1,0., # 758
Deborah A, Cavacini, Esquire
Allorney I,D, #67900
3631 North Front Street
Harrisburg, P A 17110
(717) 232-7661
Allorney for Defendants
,I
,
Dated: September 4, 1996,
77076
"
" ,
,;"
,
'I
"
"
I.
" '
,.
'I .,
" ,
'"
Ii. -I 'j r'
, ,
,"1
;'
'j "
/ '
"
.,
. ,
,
followinll parallraphs: 17. I, 17.5. 17.8. found in Countf. and porallraph 20.3 found In Count II;
Motions to Strike parugraphs 15 and 18 which seek among other things. pain and sutTerlng; and
Demurrer as to the Gross Negligcnce Count. CountH.
As discussed herein. Defendants' argumcnts are not meritorious wld Defendants' Prelimil1ll1'Y
Objections should be denied. If the COUl't deems lit to Ilrant any of Defendants' Preliminary
Objections. Plaln.tifi'seeks leave to amend.
II. Issue
WHETHER DEFENDANTS' PRELIMINARY OBJECTIONS SHOULD BE DENIED
WHERE PLAINTIFF'S COMPLAINT SATISFIES ALL OF THIS COMMONWEALTH'S
REQUIREMENTS FOR PLEADINGS,
Suggested Answer: In the Affirmative.
III. Argument
A. Appllnble Standard of Review
"The lest on preliminary objections is whether It is clear and free from doubt from
all the facts pleaded that the plcader will be unable to prove facts legally sufficient to establish his
right to relief," Bower v. Bower, 532 Pa, 54,611 A.2d 181, 182 (1992). The court "must consider
as true all of the well-pleaded material facts set forth in [the) complaint and all reasonable inferences
that may be drawn from those facts," llI.
The Pennsylvania Rules of Civil Procedure provide that: "[t)he material facts upon which
a cause of action or defense is based shall be stated in a concise and summary form." Pa,R.C,P,
2
. .
.
1019(1),42Pa,C.S.A. This is because. "(wlith all the complexities of pleadings there Is only one
purpose. That is, to l'nulle and define the factual issues to be tried either to the court or to the jury,"
Lewis v. Spitler. 69 D, & Co2d 259. 262 (l.ebanon, 1975). Thus, "a pleading must achieve the
purpose of Inlonning the court IIn\! the IIdverse pllrty or parties of the mailers lit Issue. [The rules ureJ
satisfied if IIl1egations in the plellding (1) contain uvennents of 1111 facts that a plaintiff will eventually
have to prove inllrder to recover. and (2) they lire sulliciently specific as to enable the party served
to prepure a defense thereto," Comm\lJJ>velllth v, Shipley lIumble Oil Co.. 29Pa, Cmwlth, 171.370
A.2d 438. 439 (1976),
B. Paragraphs 17.1, 17,5, 17.8, and 20,3 Are Pled With Suffident Spedtldty
Paragraphs 17,1. 17.5, and 17,8, found within Count I specify Defendant Joseph
Puchalsky's carelcssness and negligence, Paragraph 20.3 within Count II further specifies the
allegation that Joseph Puchalsky acted in such a manner thatPlaintilJ is entitled to punitive dLll1lages.
The Defendants suggest that these paragraphs "violate" Connor, (See, Defendants' Brief, at
2-4). The Defendants assert that these Paragraphs of the Complaint arc not pled with enough
specificity, (See, Defendants' Brief, at 3), In Connor v. Allel1heny General Hospital. 501 Pa. 306,
461 A.2d 600 (1983), the Pennsylvania Supreme Court, in a footnote, stated that "(i)fappellee did
not know how it 'otherwise fail [cd] to use due care under the circumstances' it could have flied a
preliminary objection in the nature of a request for a more specific pleading or it could have moved
to strike that portion of appellants' complaint." 461 A,2d 602 n.3. The language at issue In Conner
was the assertion that the uppeHee was negligent "(I)n otherwise failing to use due care and caution
under the circumstances." ld., at 602, The Conner court permiued, because of the liberal
LlI1lendment rules, the appellant to amend her complaint to incorporate a completely new theory of
3
liability after the statute of limitations had e::plred because of the lunguage "otherwise failing to use
due cure and caution under the circumstances," w.., at 602.603.
In the instunt maller, the lunguage of the puragraphs at Issue Is ljulte specific und Is properly
supported by facts as set forth within the Complaint. Contrary to the Defendants assertions, the
paragraphs lIt issue arc specifically tuilored and do not present the type of broad general averment
discussed in Conner. Therefore, the Defendants' Prcliminary Objections should be denied.
In the event the Court deems fit to order morc specificity, Plaintitl'reljuests leuve to amend,
Contrury to Defendants' assertion ut page 3 of their UricI', the statute of limitations will not serve to
bur pleading the allcgations wilh greuter spccificity. The amcndment of pica dings is a matter within
the wise and judicial discretion of this court, Schaffer v. Larzelere, 189 A,2d 267,270. The right
to UI11end should be liberally granted at any stuge of the proceedings unless there is un error of law
or resulting prejudice to an adverse part~l, Schaffer, i<l., at 270 (citations omittcd), "The
Pennsylvania Rules of Civil Procedure have embodied the modern philosophy of juris prudence in
court procedure and allow umendments with greut liberality to the end that justice by all parties may
be achieved." Schaffer. 1<1. If a proposed umendment docs not change the cause of uction, but
insteud mainly amplifies what was averred in the original complaint. which it should be allowed,
even though the statute of limitations has alreudy run. Schaffer, 1<1. at 270,
C, The Punitive Bamage! Claim Is Sufficiently Pled
As stated by the Pennsylvania Supreme Court in Murtin v, Johns-Manville, "[i]n
Pennsylvania. the function of punitive damages is to deter. and punish, egregious behavior," 508
Pa. 154,494 A.2d 1088, 1096 (1985) (citations omitted). In addition. Pennsylvania has adopted, as
a general guidunce in lhis area, Section 908(2) of the Restatement (Second) of Torts. which provides:
4
DefendlUlls also cite to the Motor Vehicle FinlUlcial Responsibility law in its attempt to have
the Court strike the punitive damages allegations, There is nothing in the law that denies Plaintitl'
the right to pursue punitive damages,
In the matter at hand, Defendant Joseph Puchalsky rear ended Ms. Koch's vehicle which WIIS
parked, aller accelerating heavily while making a lell turn on a college ewnpus, losing control of the
vehicle he was driving, and swerving back and forth across Campus Drive. As asserted within
Plaintiffs Complaint, Defendant Joseph Puchalsky's .. . . . conduct was consciously negligent,
careless, dangerous, willful and deliberate in nature and therefore showed a complete (lisregard of
lUld contempt tor Plah,till's rights, the rules of caution required of a motor vehicle operator and the
laws of the Commonwealth of Pennsylvania." (See. Plaintiffs Complaint, Count II, Paragraph
20.3). This pleading satisfies the standard enunciated within the preceding section of this Brief.
Namely, it sets forth both the tilcts that the Plaintitl'willneed to prove and these facts arc sutliciently
specific as to enable the Defendants to prepare a defense, Therefore, Ms. Koch should be permitted
to continue her claim against Defendant Joseph Puehalsky tor punitive damages,
Should the court find Defendants' Preliminary Objections to the punitive damages count
compelling, Plaintiffs request the court grant sufficient time for the Plaintiffs to amend their
Complaint after the opportunity to engage in meaningful discovery. Indecd, Plaintiff has been
cooperating with Defendants to arrange for their depositions at a time convenient to them, during
their winter break, lIS they will then be out of school. The depositions are scheduled for December
23, 1996. Only after these depositions, will Plaintiff be in a position to elaborate on her punitive
damage allegations should the Court think it just to do so.
6
.
D. I'halnllfrs Claims For Non-Eeonomle UNmaKes Are Suffidenlly Plead And
Should Nollie Slrieken
In their Briel: Iktendllnts Imvc limited their tlrgumentthllt pllrllgraphs 15 and 18 should be
stricken to requesting only those portions of those puragraphs that pertain to non-economic dnmllges
be stricken, See Delendants' IIrief at ptlge 7,
None of pUrlIgrtlphs 15 or III should be stricken, I'laintill" is entitled to moke U claim for non-
economic damages, I'ltlintitris still in the process of obtaining all of the insurance pertaining 10 the
vehicle Plaintill" wus driving when she was hit by Delendant Joseph I'uchalsky, On November 8,
1996, Plaintiff tiled tI Motion to Enl(lrce Notice of Rccords Deposition Against Nationwide
Insurance and alluched tiS Exhibit "13" to that Motion, arc all the documents it had received from
Nationwide, Of course, Defendants' attorneys arc in receipt of this Motion and its exhibits, as the
Motion was served on Defendants' allorney on Nowmber 7, 1996,
The documents provided by Nationwide do not indicate full or limited tort, They do indicate
that the insurance at issuc was for a "business auto", 75 l'a.C.S,A, section 1705 sets forth the
election of tort options, betwcen limited tort and full tort. As indicated by this section, the two
alternatives are ollered in the situation of a "private motor vehicle liability insurance policy",
"Private passenger motor vehiclc" is defincd in 75 Pa,C.SA section 1702 .IS "A four-wheel motor
vehicle, except recreational vehicles not intended for highway use, which is insured by a natural
persun and: (1) is a passenger cur neithcr used as a public or livery conveyance nor rented to others;
or (2) has a gross weight not cxceeding 9,000 pounds and is not principally used for commercial
purposes other than fanning, The term does not include any motor vehicle insured exclusivcly under
a policy covering garage, automobile sales agency repair shop, service station or public parking place
operation hazards,"
7
;j
, "
"
"
"
'I),
,
f';
',ill,
I
11
I!
,
"
t..,
r,
"
.,
"
I'
'I
';1
I'
"
Q
Ul is
z . ~ :!
2 '"
0: ,. '" z
. a
~ . C C
. .J ~ ~
0 VI
~ . ~
. ~ ~
0 C .
14 u Ul 0 Z
" a Z
>- ~
~ . W '"
. I Q.
~ 0 Z ~
1IJ . II: a ci
~ . 0 0
w ~ . II:
0 . :l
0 al
~ . C '"
~ . " Ul
. '" ii
II:
C
J:
"
,,'
"
,
"
",
,
;j
.
1ol/lll-"141' 40l1ol1 ~I' -,,'It 1 till ~u .II~.
/)HllIlUH OOIo'llldl'll'NOO'UYjIHl'I
1'\1
~.__.>)
"II)
ii "
"
.
Restatement (2d) of Torts regarding the imposition of punitive damages: 'punitive damages may be
awarded for conduct that \s outrageous, because of the Defendant's evil motive or his reckless
indifference to the rights of others. '" ll1. 485 A.2d at 747. (Citing Chambers v Montllomery, 411
Pa, 339,192 A.2d 355 (1963)). It is also well settled that "neither mere negligence, nor even gross
negligence, shows sullicient culpability to justily a punitive damage award." Takes v Metropolitan
Edison Compa,m: 440 Pa. Super. 101.655 A2d 138,146(1995). By Plaintill's own characterization,
Count II is a claim sounding in "Gross Negligence" It is inappropriate to allow a claim for punitive
damages to go forward in a case involving a standard automobile accident where there are no pleaded
facts demonstrating a state of mind on the part of the Defendant which is malicious, wanton, wilfull,
or oppressive, This is not one of those rare instances of extreme behavior where punitive damages
can be mailltained,
The Pennsylvania Motor Vehicle I:inancial Responsibility Law. 75 Pa, C.S. !l1702 et seq,
provides additional support for Defendant's argument that punitive damages are not available in this
case, Specifically, !l1705 of the Act. 75 Pa. C.S. !l1705(c) provides that "(e)ach person who is bound
by the full tort election remains eligible to seek compensation for non-economic loss claimed and
economic Ipss sustained in a n'otar vehicle accident as the consequence of the fault of another person
pursuant to applicable tort law." (Emphasis supplied). "Non-economic loss" is specifically defined
within the statute to mean "pain and sutTering and other non-monetary detriment." While economic
loss is not defined, it would appear not to include punitive damages as those damages are not
designed to compensate for "loss" but instead are awarded to "punish." The policy of the
Commonwealth to permit punitive damages in the context of an automobile accident is nowhere
5
a Plaintiff must plead entitlement to seek non-economic damages on Il common sense rationale.
Specifically, the Court opined,
"The accident victim either knows or can readily obtain the informiltion
needed to detennine if he or she is covered by a full tort or limited tort option,
Also, the accident victim will be the delimdant's primary source for obtaining
this information This means that a defendant will be required to initiate
discovery concerning the Plaintill's insurance coverage in all cases if the
Plaintiff is not required to provide this information in the
Complaint.. "Consequently, a requirement imposed on the Defendant to
establish that the Plaint ill' is ineligiblt: to seek compensation for non-economic
losses would be inconsistent with the purposes of the legislation of providing
for claims to be resolved in a manner that minimizes litigation expenses."
Ill, 337-338. Finally, in a footnote, the Cunninllham Court provided instructions for Plaintiff's
counsel for a properly pleaded Complaint:
"The Complaint should state whether Plaintitfs are basing their claim for non-
economic losses on eligibility to seek compensation for non-economic losses
under the full.tort election and/or whether this claim is based on an exception
to limited tort option. The Complaint I"ust also set forth the relevant factual
allegations regarding insurance coverage whenever a plaintill' bases recovery
on the full tort option and those factual allegations that bring the claim within
an exception to the recovery restrictions of the limited tort option whenever
the Plaintiff is not covered by the full tort option." Ill,
In the instant case, the Plaintiff has not alleged her tort option in effect on the date of the
accident. Since Plaintiff fails to state any basis upon which to support her claim for non-economic
losses, it is respectfully requested that those allegations be stricken. Defendant concedes that Plaintiff
may pursue her claims for economic losses and the issue of limited tort/fulltort option is irrelevant
to this claim,
?
, ,
IV. C()NCLVSION
Based on the furegolng reasoning and in light of the authority cited herein, it Is. respectfully
requested that this Honorable Court grant Defendant's Preliminary Objections,
'i'
, '
Respectfully submitted,
~&KE?~
. ::Gill..' .4
o orah A, Ca aeinj, Es uire /
ttomey 1.0, #6 900
3t North Front Street
Harrisburg, P A 17110
(717) 232-7661
Attorney for Defendants
"
, By;
,
';i
, '
Dated:
10 It.A '
,
,\996
, ,
'I',
,
,,'
79555.\
"
" ,
"
.,
1Ii"i'"
.,
",
, ,
} ,
t i,'
, ,
I'
t,
.,
Ii
I.,
,"
,Ii 'I I
,ii,'
I' "
,.I'
"
e
, \'1
,;
-J
11
~ I
tji'H1li; ~1iIHlnwnt~;W'i'lU ~i\lm~
lOH }fl 1i Jt~.l ~f! . 8 B.5~1 .~ )J . !~! III
1 !t.~l\\,}ll' jil\\1Itili\j\~\1"i\111t~lllill 1~\11 ~,~
~a ill '1 1~,:L i Ii>> .l .~ j~ .js 9s J~~.a.!, -= .
'j i~ .~~~ s jl~ h i! a~Hlhi 1\ Sli~Jli~~ ~ ~~. 1 S
1:t;.!t~ii3~~tH as 3~~~i31 Ii .ll~S ~31l. ~ .:lii~~i .~
iI"1~td~!1i'~ e h~ U~~n~\i,9.~ hi ~~ll~H!H II ~ pi ~ 1,.1
la ~ :is'l" fi~l'~' ~i~ jh~lttliH~i.~~i~ la!na~~l! ii1~ l~i!j
l e~ :r.~ 0'0. '" "'." ..:r-ll h ag"'~.ll 8 a 1.., \:>H d-5.~3 ~ II ~ d:<Ill i. 'a;; ?;oj
. 6 :'8 >> .; . ,,~. i t il :a 5 - .,il ~n i-i 8:;;".ll ,g a,g o.,g":la au..3 ~ ~.! ~ .
,s!,.'3h '3 h LaH~~.! ~ n9-!l~'o B' un<}!~] s.-a. . J. uui E
~ 11~ \ l~l ~~.~ H\l~tH ~~p !iil U ~]fi lllHl
: ':l i ~ S II! 2 ~ 0 ~ i.. 8.,i.ll a ~il-5 · ~ ~ ~ S .9 · ~ 8.)
II 'jl'
~ ,I tIll
~ ll.l ...,
~ i :i l' i'l .~.r u:..::e p wio..! w ~~. 'a!.ll ,a~j -5.
~ ~ 11h i li\ llliilthlllln111 wt~ \hr~ti
~ \ 1'- s ~\H S"'~ l~~~; 3 H 8~'a!"~ 2 lli13~1 ~!" I ;
~. Iii ' ! jU il~ ~{ldiH >*'~!l~lll, ,lll~i
~ . 11t ~ i 4' ;il~Ult~tl nj;~ 1 ~iHH In'!!
,
~ ;'~ ,,!~ <;\ w~o..di!.fi~~~~P;h~' ~:a~wl1.-\l t!a~-a.
i i~8 ~i.s ';~3 ~S~l!iil~~h~,l~l~l~alls~;H~H~~d;i
1 ~jl\~ 111 1h tHll~l~ lnn'lHl\~lill~!l~l. hV1Ul~l
1 s ~gkt H~ ~h~! ~-3. r!", -;'8 l ~. ~H ,1"11. ,
~I
..
j g .-
J { I H
~)j' '11
;.: : ,~~ ] I I
1 I ill
arl: lilt,;
.... 0 li..~:&
j.a !! t~ .5
~ ' 1l. ! ~:! .;
r! j 'fD S
~:1j if fi 1
~ iil ~ ~! 1~ i
lloo5 ,I ~1 !~ 1
lloolsji"'~
f ):1 !~ n
i ~l ~ f ri~
j liiilifil it j!ilil~jit i
Js ~ 'I~ ~ 1,8 U 11 t ~ ; ~ lfl~ ] i !
! M .. 1 t J . J s t", ' Ii
I I J~ t111~1 i~ 111;lflltt ]
f i11w1kaJ id}~~!!H ~
~ l l~ 1J~ jS~~ ~JJ~~! 1
~! < ~ I.a~~= ~~ ! ~~!! ~sa l
!~i 1~lj~~~!ijl{1 ;~~ij1!j~1 ~
rj A: &'l i u! ~ ~ .. i~ A i 8.iP j ~ A'.llo,~ d ~
~~B ~ ~111~]lt~13~J~]lit~t~i11Ia
~d ~;:!! ~.!lh;J n d:H, H Hl~
i~ti!lii.~mmn nUl 11
!)hhi!i~l!~lill d~i~:i it
'J..- t nl~.H~!1 iJ-ht! ~~
I ~ iIJ!!] ~. Jit"\; I ~ h s i I~ ~t
-8'11'a 1I~ 1,1 i!!l~ H)!h.s~~ i ~ 11
~ dllr~ 111ii1 !j>< lhUl~ ~ .!~
hid.l~!ls~~Plr~ !!lls.;h ~l
lHIlthhl1ldll it~!]l! i~
'tt~ !~~i ilj h~:O]i" h111!1 .31
,,;lU!Ui('(8~~]l;...i.ar,H1] ~j
l"s~t=-n!Sft !~Ihrr;-ui..ll:al s
ilH~1l1~hilltllH!!h~ lit
.h~HI.a! uBh.a~ h.ut :U
;;i~~~~ 'IHHl
lo;;i ~l.ao
s.ll! ~ 8 tH
I~ IIi i j~t ~u
~1 ph 1it:1H
d jilt Ilhttt
Uh sls ih~
!ii~ ~ lrH~
J 11 h ll:;H~
~tlj lljltit
1,!11 U.!J 111
'!'~h :ilf~ It,s
lil~ !idHl
1ill t~iilh
~nd flHiH
~
110
81
..
a
.
,'\
Plaintiff
: IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
: CIVIL ACTION
LAURA L. KOCH
vs,
JOSEPH D. PUCHALSKY
Messiah College
Grantham, PA 17027
,
; DOCKET NO, qh 7(1;.
: JURY TRIAL DEMANDED
(I' '/jJ '
I~ \,).~ L, (..l. r:--
CHRISTOPHER MARTIN
Messiah College
Grantham, PA 17027
.'
,
LISA J. PUCHALSKY
Messiah College
Grantham, PA 17027 '
I, I I
Defendants
,
, ,
.
PRAECIPE FOR WRIT OF SUMMONS
TO THE PROTHONOTARY, C.C.P,:
Kindly issue a Writ of Summons against the above-named Defendants,
" ,
,.
R1,EDERS, TY. ~1~~USSINA,
liUMPH1?~RRlS
. /, //'
( , ( ~ t ..-
t '.
Clifford A. Rieders, Esquire
Attorney for Plaintill'
J.D. No, 20962
161 West Third Street
P.O. Box215
Williamsport, P A 17703
(717) 323-8711
(-'
, ...""~~,
, .
"
.
,
,
"-
F P.r;,
!~}
~L"
t..
. _F,f,.
J(..
_ 1',:.
.,.
!T;U I
;:..:
1.1,
U
..~~
"
, ,
.,
"
,
, .,
, Iii
., ,
, " " iI
, i-I
"
."..
Q.
..
..:r
"'~'
.,"~
(~.
Cl:)
,
, ~,.~
L'/;
'"-
'e)
(; .
,':::;
i!:
?j~
,'~l ~:j
1;.; ~:i
')ff)
1,;.11)
:il{,')
Ul1.;
.,.
':55
Ie
:,
,
,
,
"
, '
!!
,
i)
,
,
;'/-':,1
II!
i! ,I
,I
.,
'I,
,
,
I ,-j'
11,1.
i,
,
~, ~.;:;
..' \.", t.,
~~'J ~'
~
.~
~
~'
,
, "
I, '
'. ,
J . I
,.,<
"
"
,'-'
II'
'I
'I
,
,.,
"
L'
.,
,
ii
"
~
~
I
~.,
"'"
,
~
iO::l
........
--L ''''
',~~","~')
\ "
~. ..
, ,
l"
!,
"
'I
"
',',
I,
,
,
,
,
t ,) I:,'
l'
'I;
1'/
,I
.,
"
I"
" , ,
1 ,
, ,
,
"
" " ,
., ,
,;j
I, I. I, "
1
I'
I, .,
H , ,
, ,
;,
iI ""-,
., , .1
,11,/
jl
'I'
I.
'i
,
,
;1
l'I
"
, '
'I,
Ii'
hi,
f,I"
,
>j I
\,
.,
,
,
v
\'"-1
,'Ii
d
,"
'1,1
,
.,
,
.,
\ "
,
'1:1
"
, , -0.1
, ,
Commonwealth of Pennsylvania
County of Cumberland
Laura L. l<och
CoUrt.or Gommoll PI_
No. ._....~.~:.~~!...S.~Y..H:.-!.E!:~:..... 19....
VI.
Joseph D. puchalsky
Chrisopher Martin
Li~a J. Puch~lsky
Messiah College
Grantham PA 17027
,IJI
Civil Action - Law
...~.~._...._.-....__._-_...__..-.....~...........
Joseph D.puchalsky, Christopher Martin & Lisa J. PuchalskYt
To ___ -. *...- ~........ ..................... ...............,...... .----.,-...-
You are h~reby notified Ihat
Laura L. l<och
....----..--..........-----.......---.....-.........--....-..--......-...............----......-...-.....----.........--............-----.........-..
. summons - Civil Action - Law .
the Plaintlfl h~ commenced an action in "........----.....--................-----........--......
aBalnn you which you are requil'!d' to defend 0' a' default judgment may be entered agalnn you,
(SEAL)
,
Dat. .~....:.._.~~:~~~~:_y..!!.....- 19..?~
I .~. "'I. ~.f!\1..X; ~n 9 ..ft..! ~_ !!t~~ ...Et~.. -........... -.. -.... .....'
, _ Pl'Othono']ry .
By ...,1~1:. '}.J.!... d-.LJ1~~~~1-(t!'....--.
( tD.p~ty fJ' ,
I
,J
~~
'..
~ I.:r
fJ; ,... " ." ,
E"S Li'; i'h
'to
~,:? ~~ i .r " "
,
", '.J'l.jj , ,
ji,l .'1';" ,
, ' ."C,I
.,. "I:j ,
~' \.b ,. '. ~ I'"
. [': .,11/) ,
I ,. , , ,
ELI" 0.. t 'j ;- ~ )1
r~ : LJ..i :"li! ,"
v. ,,! , , , -'I,
tl. \.0 fe-,..
CJ ...J
<J) (.)
',"
"
"
,,"
",
d
"
,
,
I,i
"
,\1
.,
"
,I!
,
,
.
I
,
II'
,
.,
"
I,
'Ii
"
.,
d,
."
"
Q
U) E
z . ~ :!!
0 '"
0: ;: ~ '" Z
~ c ~ ~
. oJ ~
0 U1
~ . ~
. ~ ~
0 z
L6 u III 0 Z
, >- ~ Z
.J c " ...
. ...
.J 0 Z < 0.
~
III .;; II: ~ ~
~ . 0 0
" DC
0 . I: z :J
0 ~ m
.J . <(
~ . .. III
c M it
DC
<(
:I
:1'
-,I,
:1
.
.
PRAEC .!l'f. ~'(}!l_ .J! I 5'!'.l!!Q.. .c,:~E..F:_ ~Q'l.~~9U~ENT
(tuIt be typewrltten and subnitted in duplicate)
TO THE PROTHONOTARY OF CUMBERLANO COUNTY:
Please list the within matter for the next ArgIIIII!nt coort.
______________________________________________________________________.___w____________
CAPTION OF CASE
(entire caption Illl8t be stated in full)
( plaintiff)
~ 4n' q.
Q'
8 '.Ii
r8u' ; ",',ell
" ,-t
~\;".' '.3 ')~
Ie,
!I.];', I;J , ,
")
r~'C . "7 /i!
;<':C' ~'.i~
(;fl." r:il ,:j'
~.\': )!!,
, ' ~.,.} :;J
:< (:;) .',
LAURA L. KOCH
VB.
JOSEPH D. PUCHALSKY,
CHRISTOPHER MARTIN and
LISA J. PUCHALSKV,
(Defendant)
rb. 96-702 Civil 19
CIVIL ACTION - LAW
1. State matter to be argued (i.e.. plaintiff'S mUon for new, trial, defendant's
dImJrrer to ~laint. etc.):
Defendants' Preliminary Objections
2. Identify counsel who will argue case:
Clifford A. Rieders, Esquire
Rieders, Travis, Mussina, Humphrey & Harris
161 West Third street, P. O. Box 215
Williamsport, PA 17703 .
Deborah A. Cavacini, Esquire
Caldwell & Kearns
3631 North Front Street
Harrisburg, PA 17110
3. I will notify all parties in writing within tiIo days that th.ie caH M8
been listed for argunent.
(a) for plaintiff:
l\ddress:
(b) for defendant:
l\ddress:
4. Argunent Court Dete:
DIIted: I tJ \ 2.'110 (~
'.
,
.
DEL ," ; I') !(jj/
, ,
LAURA L, KOCH.
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION - LAW
.
Plaintiff
vs.
NO, 96.702 Civil Term
JOSEPH D, PUCHALSKY;
CHRISTOPHER MARTIN; nnd
LISA J, PUCHALSKY.
JURY TRIAL DEMANDED
Defendants
BRIEF IN SUPPORT OF MOTION TO ENFORCE SUBPOENAl
NOTICE OF RECORDS DEPOSITION
I, BACKGROUND
On or about November 10, 1994, Ms. Koeh was parking by the curb after picking up a friend
on the campus of Gruntham College, Grantham, Cumberland County, Pennsylvania, Ms, Koch's
vehicle was struck in the right rear by a vehicle driven by Defendant Joseph Puehalsky. As a result
of this collision, Ms, Koch sutTered injmies, including, but not Iimitcd to post-concussion syndrome
with contusions ovcr her sku\land knce, headaches and severe myoligamentous stmin of the lumbar
spine. Ms. Koch has filed this lawsuit seeking damages for injuries received as a result of being hit
by Joseph Puchalsky, At a\ltimes relevant, lJSF&G was the insurer with regards to the vehicle
which injured Ms. Koch.
On September 4, 1996, PlaintifT sent by certified mail to USF&G a Notice ofTnking Records
Deposition along with a subpoena, The Notice of Taking Records Deposition and subpoena is
attached to this Motion as Exhibit "I." The Notice of Taking Records Deposition included a
-
-'
deposition affidavit of record custodinn liJr the LJSF&G custodian to sign. The records deposition
and subpoena requested the fiJI/owing:
I. any stntell1cnts yuu hnvc lnken, whcther tape recorded, signed or
unsigned. or whether you hnvc merely lakennotes;
2, certified copy of the dcclarution shcetln etlect otthe time of loss;
3, nnmcs of all insurcds, whcther named insureds or not. in any other
policies In the same household or thc samc business;
4. namcs of any othcr insurance companies you arc awnrc of which may
provide excess underinsurcd or uninsured motorist covcrage;
S, any other possiblc applicable policy information;
6. any and all policies, cvcn ifditlerent policies, on vehicles in same the
household;
7, ony photographs or videotapes;
8, adjuster's Jogs; nnd
9, investigation,
In response to the Notice of Taking Records Deposition and subpoena. USF&O provided the
leller dated November 14, 1996 from Deborah A. Cavacini, Esquire. and documents attached to this
Motion as Exhibit "2,"
USF&G's response is deficient in several aspects. With regard to request/, USF&O only
enclosed a statement given by Plaintiff and no statements of its insureds; the driver of the insured
vehicle who hit Ms, Koch, Joseph Puchalsky; nor of the passenger in Ms. Koch's car. With regard
to request 2, USF&G provided only a printout of the declaration sheet, and not a certified copy
which was requested. Counsel indicuted that she hud not obtained the certified copy of the
declaration sheet. With regard to request 3, which asks in part for other policies in the same
2
household. Wld request 6, lJSF&G's reKponse indicates Ihat it does not know whether there are Wly
other policies in the same household, Ilowever, this information is usually garnered before an
insurer writes a policy. With regard to request 7 which asks tor photographs or videotapes, USF&G
provided copies of photogruphs. Plaintiff seeks aelual photographs, not copies. With regard to
request 8 which asks for udjuster's logs, no adjuster's logs were provided, although defense
cowlsel's November 14, 1996 kiter stutes in response to Ihis request "[s]ee enclosed documents,"
With regard to request 9 which asked for investigation, Ihe response in the November 14, 1996 letter
was "[slee enclosed documents." The only do(:ument given was the police accident report. In
addition, USF&G did not attach an affidavit of its record custodiWl.
II. ISSUE
WHETHER THE COURT SHOULD ORDER USF&G TO FULLY AND COMPLETELY
COMPL Y WITH PLAINTIFF'S SUBPOENA / NOTICE OF TAKING RECORDS DEPOSITION?
Suggested Answer: In the affirmative.
III. ARGUMENT
Pursuant to Pennsylvania Rules of Civil Procedure, Rule 234.1, Plaintiff issued a subpoena
to USF&G to compel its records custodian to appear on a certain date and time and provide specified
documents discussed .mpm, As specified by the subpoena, in lieu of a personal appearance, the
forwarding of all documcnts would satisfy the dcposition noticc and subpoena, The subpoena was
served in compliance with Pennsylvania Rule 234.2(b)(2) since it was sent by certified mail,
3
". .
,
-
Pursuant to Penl\sylvll/lla Rule of Civil Procedure 234,S(a), If a witness falls to comply with
a subpoena. the court may issue a bench wl.U1'antll/ld If the failure to comply is willful, the court may
have judged the witness to be 11\ contcmpt.
The essence of a subpoena's function is to ease the court in the resolution of litigation, Cgm.
y. Polak. 263 A.2d 354. 356. 438 I'a, 67. 69 (1970),
The scope of discovery is sd forth in l'a,R,C. P. 4003.1 which states that a party may obtain
discovery regarding II/IY maller, not privilegcd which is relevant to the subject matter involved In the
pending action. Pursuant to Rule 4003, I (b), the scope of discovery includes Information that will
be inadmissible at the trial if the information sought appears reasonably calculated to lead to the
discovery of admissible evidence,
This case involves an automobile accident fOT which USF&G provided insurance which
covers the vehicle driven by Joseph puchalsky, The records subpoenaed are of relevance to the
Instant action and likely to lead to the discovery of admissible evidence. USF&G's responses to
requests I, 2, 3, 6, 7, 8, and 9 are inadequate and do not provide complete responses nor all the
documents requested. No records custodian has certitied the response II/Id production. USF&G has
not objected to the subpoena nor has it t1Ied a Motion to Quash,
Information and documentation regarding statements, the declaration sheet, other policies
In the same household, photographs, the adjuster's logs, and the investigation done are relevant and
likely to lead to the discovery of admissible evidence with regard to the accident at Issue and the
applicable insllTll/lce, All the insurance information requested Is well within the scope of dlscovc:ry.
A deposition affidavit of USF&G's record custoulan is essential to ensure that Plaintiffs receive all
4
, '
,
,
I'
~.
LAURA L, KOCH,
IN THE COURT OF COMMON PLEAS.
OF CUMBERLAND COUNTy, PA
CIVIL ACTION. LAW
.
Plaintiff
VI.
NO. 96.702 Civil Tenn
JOSEPH D. PUCHALSKYj
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY,
JURY TRIAL DEMANDED
Defendants
BRIEF IN SUPPORT OF MOTION TO ENFORCE SUBPOENAl
NOTICE OF RECORDS DEPOSITION
I, BACKGROUND
On or about November 10, 1994, Ms. Koch was parking by the curb after picking up a friend
on the Cl!IIlPUS of Grantham College, Grantham, Cumberland County, Pennsylvania. Ms. Koch's
vehicle was strUck in the right rear by a vehicle driven by Defendant Joseph Puchalsky. As a result
of this collision, Ms, Koch suffered injuries, including, but not limited to post-concussion syndrome
with contusions over her skull and knee, headaches and severe myoligamentous strain of the lumbar
spine. Ms, Koch has filed this lawsuit seeking damages for injuries received as a result of being hit
by Joseph Puchalsky. At all times relevant, USF&G was the insurer with regards to the vehicle
which injured Ms. Koch,
On September 4, 1996. Plaintiff sent by certified mail to USF &G a Notice of Taking Records
Deposition along with a subpoena. The Notice of Taking Records Deposition and subpoena is
attached to this Motion as Exhibit "I." The Notice of Taking Records Deposition included a
.
DV
...
deposition affidavit of record custodlllll for the USF &0 custodillll to sign. The records depolltion
and subpoena requested the following:
I. any statements you have taken, whether tape recorded, signed or
unsigned, or whether you have merely taken notes;
2, certified copy of the declaration sheet in effect at the time of loss~
3, names of all insureds, whether named insureds or not, in IIIIY other
policies in the same household or the same business;
4, names of any other insurance companies you are aware of which may
provide excess underinsured or uninsured motorist coverage;
S. any other possible applicable policy information;
6. any IIIId all policies, even if different policies, on vehicles in same the
household;
7, any photographs or videotapes;
8. adjuster's logs; and
9. investigation.
In response to the Notice ofTaking Records Deposition IIIId subpoena, USF&O provided the
letter dated November 14, 1996 from Deborah A. Cavacini, Esquire, IIIId documents attached to this
Motion as Exhibit "2,"
USF&O's response is deficient in several aspects. With regard to request I, USF&O only
enclosed a statement given by Plaintiff and no statements of its insureds; the driver of the insured
vehicle who hit Ms. Koch, Joseph Puchalsk-y; nor of the passenger in Ms. Koch's car. With regard
to request 2, USF&G provided only a printout of the declaration sheet, and not a certified copy
which was requested, Counsel indicated that she had not obtained the certified copy of the
declaration sheet. With regard to request 3, which asks in part for other policies in the same
2
~
household, and request 6, USF&O's response Indicates that it does not know whether there are any
other policies in the sarne household. However, this infonnation is usually garnered before an
insurer writes a policy, With rellar:!lo request 7 which asks for photographs or videotapes, USF&O
provided copies of photographs. Plainliff seeks actual photographs, not copies, With regard to
request 8 which asks for adjuster's logs, no adjuster's logs were provided, although defense
counsel's November 14, 1996 letter states in response to Ihis request "[sJee enclosed documents."
With regard to request 9 which asked for investigation, the response in the November 14, 1996 letter
was "[slee enclosed documents," The only document given was the police accident report, In
addition, USF&O did not attach an affidavit ofits record custodian.
II. ISSUE
WHETHER THE COURT SHOULD ORDER USF&O TO FULLY AND COMPLETELY
COMPLY WITH PLAINTIFF'S SUBPOENA I NOTICE OF TAKING RECORDS DEPOSITION?
Suggested Answer: In the affirmative.
III, ARGUMENT
Pursuant to Pennsylvania Rules of Civil Procedure, Rule 234.1, Plaintiff issued a subpoena
to USF&G to compel its records custodian to appear on a certain date and time and provide specified
documents discussed supra. As specified by the subpoena, in lieu of a personal appearance, the
forwarding ofall documents would satisfy the deposition notice and subpoena. The subpoena was
served in compliance with Pennsylvania Rule 234.2(b)(2) since it was sent by certified mail.
3
.
Pursuant to PennsylvBllia Rule of Civil Procedure 234,5(a), if a witness fails to compl)' with
a subpoena. the court may issue a bench warrant and if the failure to compl)' is willful, the court may
have judged the witness to be in contempt.
l11e essence ora subpoena's function is to ease the court in the resolution of litigation. Cgm.
v. Polak, 263 A.2d 354, 356, 438 Pa. 67, 69 (1970).
The scope of discovery is set forth in Pa.R.C. P. 4003.1 which states that a part)' ma)' obtain
discovery regarding any maner, not privileged which is relevant to the subject maner involved in the
pending action. Pursuant to Rule 4003.1 (b), the scope of discovery includes information that will
be inadmissible at the trial if the infomlation sought appears reasonably calculated to lead to the
discovery of admissible evidence.
This case involves an automobile accident for which USF&O provided insurance which
covers the vehicle driven by Joseph Puchalsky. The records subpoenaed are of relevance to the
instant action and likely to lead to the discovery of admissible evidence. USF&O's responses to
requests I, 2, 3, 6, 7, 8, and 9 are inadequate and do not provide complete responses nor aU the
documents requested. No records custodian has certified the response and production. USF&O has
not objected to the subpoena nor has it filed a Motion to Quash.
Information and documentation regarding statements, the declaration sheet, other policies
in the same household, photographs, the adjuster's logs, and the invcstigation done are relevant and
likely to lead to the discovery of admissible evidence with regard to the accident at issue and the
applicable insurance. AU the insurance information requested is weU within the scope of discovery.
A deposition affidavit ofUSF&G's record custodian is essential to ensure that Plaintiff's receive aU
4
.
, .'
f.ERTIFICATE OF SERVICE
AND NOW comes Clifford A. Rieders, Esquire, and Valerie O. Zlm, Esquire, Attomeys for
Plaintiff, and certifies that a copy of the foregoing Brief In Support of Motion to Enforce
Subpoena/Notice of Records Deposition has been served upon Timothy 1. Mark, Esquire,
CALDWELL & KEARNS, 3631 North Front Street, Harrisburg, PA 17110, and upon Records
Custodian, Nationwide Insurance, Claims DepartmeJlt, P. O. Box 2655, Harrisburg, PA 17105-2655,
thiS<1.lli.- day of~ 1996, by first-class mail, postage pre-paid.
,.,"
-'
Clifford Pl.. . eders, Esquire
!.D. No. 20962
Valerie O. Zim, Esquire
!.D. No. 70518
Attorneys for Plaintiff
161 West Third Street
P.O. Box 215
Williamsport, PAl 7703
(717) 323-8711
I ,
I I I
'1
,I
.,
"
"
I
"
':
I II
. ,
, .
'I
I
.
".... .,... I
.. .
household, BIld request 6, USF&G's response indicates that it does not know whether there are any
other policies in the same household. However, this information is usually garnered before an
Insurer writes a policy. With regard to request 7 which asks for photographs or videotapes, USF&G
provided copies of photographs. Plaintiff seeks actual photographs, not copies. With regard to
request 8 which asks for adjuster's logs, no adjuster's logs were provided, although defense
counsel's November 14, 1996 letter states in response to this request "[sJee enclosed documents."
With regard to request 9 which asked for investigat~on. the response in the November 14, 1996 letter
was "[s]ee enclosed documents." The only document given was the police accident report. In
addition, USF&G did not attach an affidavit of its record custodian.
II. ISSl,JE
WHETHER THE COURT SHOULD ORDER USF&G TO FULLY AND COMPLETEL Y
COMPLY Willi PLAINTIFF'S SUBPOENA/NOTICE OF TAKING RECORDS DEPOSITION?
Suggested Answer: In the affirmative.
III. ARGUMENT
Pursuant to Pennsylvania Rules of Civil Procedure, Rule 234.1, Plaintiff issued a subpoena
to USF&G to compel its records custodian to appear on a certain date and time and provide specified
documents discussed supra. As specified by the subpoena, in lieu of a personal appearance, the
forwarding of all documents would satisfy the deposition notice and subpoena. The subpoena was
served in compliance with PeMsylvania Rule 234.2(b)(2) since it was sent by certified mail.
3
..
Pursuant to Pennsylvania Rule of Civil Procedure 234.5(a), ifa witness fails to comply with
a subpoena. the court may issue a bench warrant and if the failure to comply is willful, the court may
have judged the witness to be in contempt.
The essence ofa subpoena's function is to ease the court in the resolution of litigation. c.wn.
v. Polak, 263 A.2d 354, 356, 438 Pa. 67, 69 (1970).
The scope of discovery is set forth in Pa.R.C. P. 4003.1 which states that a part)' may obtain
discovery regarding any maner, not privileged which is relevant to the subject n1aner involved in the
pending action. Pursuant to Rule 4003.1 (b), the scope of discovery includes information that will
be inadmissible at the trial if the information sought appears reasonably calculated to lead to the
discovery of admissible evidence.
This case involves an automobile accident for which USF&G provided insurance which
covers the vehicle driven by Joseph Puchalsky. The records subpoenaed are of relevance to the
instant action and likely to lead to the discovery of admissible evidenct'. USF&G's responses to
requests 1, 2, 3, 6, ." 8, and 9 are inadequate and do not provide complete responses nor all the
documents requested. No records custodian has certified the response and production. USF&G has
not objected to the subpoena nor has it filed a Motion to Quash.
Information and documentation regarding statements, the declaration sheet, other policies
in the same household, photographs, the adjuster'slogs, and the investigation done are relevant and
likely to lead to the discovery of admissible evidence with regard to the accident at issue and the
applicable insurance. All the insurance information requested is well within the scope of discovery.
A deposition affidavit ofUSF&G's record custodian is essential to ensure that Plaintiff's receive all
4
4
documents responsive to its subpoena. All the documents USF&O provided are attached as Exhibit
"2" to the Motion.
It is in the interest of justice for the court to order USF&G to produce all documents
responsive to the subpoena and Notice of TllIdng Records Deposition and to provide these
documents In a timely manner.
IV. CONCLUSION
Based on the above and foregoinll, Plaintiff respectfully requests the court order USF &0 to
provide al.1 documents responsive to the subpoena and Notice of Taking Records Deposition and to
provide an affidavit or records custodian.
-,,"
RIEDERS, TIS, MUSSlNA,
HVW'HRE S
I"//I~~<- /~
Clifford A. Rieders, EsqUire .
1.0. No. 20962
Valerie G. 21m, Esquire
I.D. No. 70518
Attorneys for Plaintiff
161 West Third Street
P.O. Box 215
Williamsport, PA 17703
(717) 323-8711
.'
, ,
O:\PBL\CRIKOCLIDOCUMEN1\B96I 209.VZ
"
.,
'. '
"
5
.
LAURA L. KOCH, I .
plaintiff I
I
I
v. I
I
JOSEPH D. PUCHALSKYI I
CHRISTOPHER MARTINI and I
LISA J. PUCHALSKY, I
Defendants I
. .-..... ~
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 96-0702 CIVIL TERM
ORDER OF COURT
AND NOW, this ~tl. day of February, 1997, upon relation of
Plaintiff's counsel, Valerie zim, Esq., of Rieders, Travis,
Mussina, Humphrey & Harris, that the matters which are the subject
of Plaintiff's Motion To Enforce Subpoena/Notice of' Records
Deposition are being resolved, the discovery conference scheduled
or February 4, 1997, at 3:00 p.m. is CONTINUED GENERALLY. If
neither counsel requests that the conference be rescheduled within
thirty days of the date of this order, Plaintiff's motion will be
deemed moot and the rule issued on December 30, 1996, will be
deemed discharged, without further order of court.
Clifford A. Rieders, Esquire
161 West Third Street
P.O. Box 215
williamaport, PA 17703
Attorney for Plaintiff
Timothy I. Mark, Esquire
3631 North Front street
Harrisburg, Pa 17110-1533
Attorney for Defendants
BY THE COURT I
C""".'4"; ~~',J.. d.1'S{t~'l,
.~ "!,,.
"1 (.
- J , \
'\ I
"j", .. .,
[i , , .'1"1,
,
. I
\' J
)
'. , . "
., \
, .
, )
,..... I , I
"
) ,
.,
, .
XJ\URA L. KOCH, I
Plaintiff I
I
I
V. I
I
JOSBPH D. PUCHALSKY, I
CHRISTOPHER MARTIN, and I
LISA J. PUCHALSKY, I
Defendants I
AND NOW, this
ORDER
11 a ~l,day of
IN THB COURT OF COMMON PLEAS
OF CUMBBRLAND COUNTY, PENNSYLVANIA
CIVIL ACTION - LAW
NO. 96-0702 CIVIL TERM
OF COURT
December, 1996, upon consideration
of Plaintiff's Motion to Enforce Subpoena/Notics of Records
Deposition, a discovery conference is SCHEDULED in the chambers of
the unde~aigned judge for Tuesday, February 4, 1997, at 3130 p.m.
Clifford A. Riedere, Esquire
161 West Third Street
P.O. Box 215
Wi1liamsport, PA 17703
Attorney for Plaintiff
Timothy I. Mark, Esquire
3631 North Front Street
Harrisburg, Pa 17110-1533
Attorney for Defendants
BY THE COURT,
J
&U
e.~~.<L- ('/>'~..L.:,l
1.~/~dq" .
~ Po,
"
"
"
"
I H; 1" .1'
"
,
"
..
,,'
,
,
"
"
1,1,
"
I;,
"
" ,
'I
J:'
;..
,
" "
, "
"
\'
':, d
,
,
,
"
!I
,
il'l
FII.r:n-OFFICE ,
CF 11''1' I)HI,)l'H'~HO'rAR'(
, ,
9~ n~r. 31' PH 2129
CUMllljiVJ ;L, C(;I ii'll '(
, ' P~NNSYI~/NM
"
iii'
/i'!
,
Ii
,.
"
,
:' It
"
,
,
, .
, ,
"
\.'.
l,.,
"
,Jt '
,
..
.1...1
,;rlltJ('"
LAURA L, KOCH.
Pllllntlll'
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, VA
CIVIL ACTION - LAW
VS,
NO. 96-702 Civil Term
JOSEPH D. PUCHALSKY;
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY,
JURY TRIAL DEMANDED
, Defendants
f.)RDER
AND NOW, this.-- day of
, 1996, Defendant shall fully and completely
answer Plalntiff'~ SubpoenaINotice for Documents and provide an affidavit of records custodian.
BY THE COURT:
, "
J"
"
II
01
"
,
"I
1."
,
,
"
,I'
'I F
, '
II'
-j"
,
,
,
'j ';,
."
"
,
'f
, :.j
'I,
I' '
, 'i
"
I I I I
"
,
,I'f"
.,. 'j,
I, "
, ,!',
"
',Ii
,
,
I' ,1
I,
, ,
,
, ,
I'i',
"
I.,
"
"'1
" ,
I ,',
I,
t I.,
"
,
. '
I
, .
.
....
LAURA L. KOCH,
IN THE COURT OF COMMON PLEAS
OF CUMBERI.AND COUNTY, PA '
CIVIL ACTION - LAW
Plaintiff
vs.
NO. 96-702 Civil Term
JOSEPH D. PUCHALSKY;
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY,
JURY TRIAl. DEMANDED
Defendants
MOTION TO ENFORCE SUBPOENA/NOTICE OF UECORDS DEPOSITION
AND NOW comcs Plaintiff, Laum L. Koch, by hcr attorncy, Clifford A. Ricdcrs, Esquire,
ofRIEDERS, TRAVIS, MUSSINA, HUMPIIREY & HARRIS. and scts forth as follows:
I. Attached hercto as Exhibit I is Plaintiffs Request.
2. Attachcd hcrcto as Exhibit 2 is thc rcsponsc.
3. Plaintifl' requcstcd all statemcnts. The rcsponse was "scc cnclosed statement of plaintiff."
Plaintiffs counsel finds it difficult to belicvc that Dcfendant did not take the statcment of its own
insured or the passcngcr in Plaintiffs car.
4. Plaintiff askcd for a certiflcd copy ofthc dcc shcct. Plaintiff was givcn a printout, not a
certified copy of the dcc shcct. Supposcdly, Dcfcndants attcmptcd to obtain thc dcc sheet.
5. Plaintiff requested namcs for all insurcds. whcthcr namcd or not. Thc rcsponse was that
Lisa Puchlasky is the namcd insured and Christophcr Martin was thc drivcr. Thc printouts so
demonstrate, but there is anothcr member of thc household who is also a namcd Dcfcndant and no
mention is made of him. Thc rcsponsc was that "it is unknown whcther there arc ..ny othcr policies
,/
, ,
"
"
~
I
, \
"
, ,
,
.
<
.,,_..........
. . ". ' .
..~~'..
.. "....-...".- -",
...... ....... - .~"...' .-. ..
, , . ~:- ,I.. . ...., .': '"':... .
., . ~"',;'"'' .;T, ..'-".,.;l '...-.It..,...... . ~
..." . .
,:_::"::'.'-::"'.~_:.~... . ".
.......,.-.. . .. ..:..... .,~ .. ....... . .. ... . .....
. .'_ ._" ,~'T'~'. '~''''.:r'"'~' ;.l'...~,
... .,. ~'..". '." '-:'.., ."' '.' '.,.
~';-!.,':~~..~:". :..." ..:.; '-. ':.'~'.. ..
.- ,-' .,.....'. .."......'. ...-
"'" "
" ....
......t.
.-...~"'-~.;..
.. ..,..-.-..................
r:1!l1..,.\:~.-.;j:"'.,:::~~:.. .....
. -.-
.~ . ..
.....---_.. ..--,-'
.
: IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
: CIVIL ACTION
LAURA L. KOCH
Plaintil'1'
vs.
JOSEPH D. PUCH.'\LSK Vi
CHRISTOPHER MARTINi Li11d
LISA J. PUCHALSKY
: DOCKET NO. 96-702 Civil Term
:JURY TRIAL DEMANDED'
Defendants
!,/OTICF. OF TAKING RECORDS Dj:POSITION
TO: Records Custodian
USF&G
P.O. Box 9700
Harrisburg, P A 17108
. '
....,
PLEASE TAKE NOTICE that pursuant to PeMSylvania Rules of Civil Procedure, Plaintiff
in the above-captioned matter will take the deposition of the Records Custodian, llSF&G on
September 9, 1996, beginning 'at \ 0 A.M., at the offices of Rieders, Travis, Mussina, Humphrey and
'. .'
Harris. IF, 1 West Third C:~reet. Willjnms~\1rt. PA 17701. B:I virtue "f the ~t!:1ched SIl\lcC'p.n:\. t!-le
Records Custoqian ofUSF&G is hereby requ.ested to bring to the deposition. with respect to claim
No. 2600 AL 275-171-0 I-I, Insured Lisa Puchalsky. Date of Loss 11/10/94. the following:
I. any statements you have taken, whether tape recorded. signed
or unsiilned, or whether you have merely taken notes;
2, certified copy of the declaration sheet in effect at the time of
111$5;
3, names of all insureds, whether named insureds or not. in allY
other policies in the san1e household or the same busincss;
;.-,,,;,:.:.'. ,""~;;,.,,,;,,", _: "." /:" . ".:. '-C.""';' :.:"T-'i..~.- .....:.,",:#.~.;'""<........I1.11'.,;".;..";:.l... ';:;'~:':.~::;:"~:::::: . ::...
,~~oOi .~<R"""""""""'''''''''''~''''''''':::ooJo:'''''';r;....,',,,-~''': ...,,-;.;;.""....""',"~,~U.1~....itC~)o;..,.. ~'i;;:r,;:' .
:.::;:;,:.......~,.:..~......,. ',.. . ,..: .....: :..::~: .' '. .;..:..,-._;:::.:::;:.:.;;:::..~::;.::::.::;.;.i;;;',: '.<.;.
. .,...j";" '. _..
..
'""~"', . .. -, ~ . ....,........_"'.,...'10\',.:1' ...~"/I...
. ..,~..." ~'I".\.1'\ .-. . ~.' '"
. '''.''
'- ',,'
" ::'_.: ~:~l',)..'_":.J.: ."',"..-.: ~ ", .. ~ ~!.... :.. ,.:~ .L-e..~....c..- -;
I ", ...~.....I.... ......,- ....._...~....,.....
,,' .. ............~f..... -;"'....~ .;;r;...--::~f.... ~n .
. 'r .':.,:~'..:<..:'",;~:=t:.~~., .:.. .... ~. .: :.~ ~.~'~~..:.. f, ~
-.-- ..~. ."........ .... .. -. . .'.'
, .'. ,. ., . ,.' .
. '..')../ ,... ,','l"~ .._."'\..._'r""....M I '.. '.
. ~":..~~~~~;~;...~:~...~;.,.~~:.:.:,t~: ,~: '._'..',. _'.., .':.;.'
- ..
"
.' ,
..... - J. ~; ..-:.....:":~, .:...:....t .. "- ...
. ......... ....
.. , . ..,... ,.\"
..~ ~'.;:.~:~-~',-' ..
.....-~ ;..... ~.~--~.~.
"t M' .'~,'-:'. .... :.
, '.' .__.M'__'"
".' ',-"""'" ........
4. names of any other insurance companies you arc aware of
which may provide excess und~rlnsured or unlnsur~d nl\.Jtorist
coverage,
5. any other possible applicable policy information,
6. any and all policies, even if different policies, on vehicles in
same household;
. , 7. any photographs or videotapes;
g, adjuster's logs; and
9. investigation.
NO TESTIMONY WILL BE TAKEN AT THIS DEPOSITION. IN LIEU OF-ACTUAL
A 1TENDANCE AT TInS DEPOSlTION, THE FORWARDING BY YOU OF ALL DOCUMENTS
HEREIN, REQUESTED WILL SATISFY THIS DEPOSITION NOTICE AND ACCOMP ANYINO
SUBPOENA.
,j'
Clifford A. Rieders, Esquire
Attorney for Plaintiff
, J.D. No. 20962
161 West Third Street
P.O.Box215
Williamsport, P A 17703
(717) 323-8711
"
"
,.
,
'<J :..rD~' CR'.KOCI.\DOC\JMENTI D9~O':R.,2
, ,
. .... .---. '.-. .
, . ... '. M.\' .
'..;.>. .. -; -.....,.... ,;~:.... .,,',>~... :.". .'~. .'-~.' j,. '~""'" -, '.' ... : .... ,'. . ..' ;, " .. ,'-. '.., -,--. ...," ." ~ ': .'. . , .:
_. ~....,~....",-.t."':...:J:;':M~-~-'.\. ..~_...~.." '.. d"':' 'r' '," "'\'.' '..._,,"' ...J";..~.. ~.- 'l,.".1 ').,"'\'4."""" .....c._"".~if"."4. ,.J'..""..f' .,oot.~.~l.:_
"..."'1 .- .....~~;-~, ~_' .~.,~............,..,..'lGIfo'I,,..._..~_'.r_..r. ,..."'0\"':'. .fJ~!~'C'~"'~..\Jt.C~'.It""~I4~'tj"'W!;;"'If\~;,jtJ,,,""~.-,ItJr:.:"~.iI;'~f'ii'IiI"
","," ',.,' ..__'':~' :"'r.: ~~~.:",~;, '.. ",.:.:.~:,;~':~-:~~-o'::~~:':"-;".;,-~J'~:.::',~,(.:/~...~;-":~ ':.;~; <:"'2::F'~~'l ' ~"-"~'",,:,,':. !.~'.~" "-' ::~:'::':;;'.:. ~~
. -~.
'". ..', '...., ~.'- '.
,~
: '
.,' ....~.,...~........ ,"'r .,."
. ."'i......~ ~~:ll..:... "',"'''''''e:'.ta-.',;;:,~ ~
.,':.,;...........-:.:'...' u..";~.I'I~..,'tIDl+"},Z';.' ~_:.
:... .2~,~~~~~~;:~.~~-~:..:;::~. :.::':'~
.... .'....
.
.
COMMONWEALTH OF PENNSYLVANIA
COUNTY OF CUMBERLAND
PIBlntlff
: IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
: CIVIL ACTION
LAURA L. KOCH
vs.
JOSEPH D. PUCHALSKY;
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY
: DOCKET NO. 96-702 Civil T~rm
:JURY TRIAL DEMANDED
o ~{enc:lntc
SUBPOENA
TO:
R~cords Custodian
US: ~G
F .6. 6vn 9788
lI.f:Vg~i1~'orterU ~~8the Court to come to
161 II. 'rhird Str..t
at
lIilliamsport
. Pennsylvania, on Sept.mber 9. 1996 at
10:00
"
o'clock, ~.M.. to testify on behalf of
Plaintiff
In the above case, and to remain until excused.
2. And bring with you the followinll: See attached Notic. of Taking
Records Deposition.
If you fall to anend or to produce the documents or things r~qulred by this subpoena, you may
be subject to the sanctions authorized by Rule 234.5 of the Pennsylvania Rules of Civil Procedure,
indl.ldin~ blo': ~~': :imite~ L'", ':O!t.S, :!t'..r:.;;" (~c~ ,l.nd !m.}i~cr.:';".~:'l'.,
Clifford A. Rieders, c;squire 1.D. Xo. 20962
Issued by: 161 II. Third Street, William.port. fA 17701 (717)323-8711
(Stili .nomlfl nam.. odd'.... 'clcphon. number and id..tincDlion numbe,)
c,~
I)Y THE COURT, -
L-I-UJ~,...~L C L'~illbr rJrGU-.()""k'\~l(
,; " A It 'Ll"(j-'- ---~I+:i'
(N me of Prolholota . ' .-' . u
.:~,~~~:;:4:':;1~;;>if:'r~-":~;'::i=:-c.:~:;:;'~k;.~.~:...~ .:;.~~;~!rs:.:"":"N~~.w.::;.~:.~~~~'~' ~~'IlD_~~~
._:::;">:"~"::'._"_"'. "~'.~; ~ _. _ . .. .... ,'L. : ',. :'."> ;>"':.':' .;,<:.:..'i:~-~-~~:.
.., .
. . ....-.... r'
t,'. .....:.
..
. "
"
On tile
dey of
s\:'r~\:'p
With the I'llrclloinw 5ubpllcna by: (Dmrlbc mcthq~ Ilf scrvlee)
. ;!
,19
I,
I veri fy thet the statements In thi~ rerurn of service are true and correct, I understand thatl'alse
statements herein ar\:' made subeJct to the p\:'naltles of 18 Pa.C.S.A, Sect. 4904 relating III unslVorn
falsification to authorities. '
Date:
,J.....
"
"
" I
, ,
."
" I
, ,
,
I, , ,
" "
'I
, " ,
,Ii
,
,
, ,"
,
, ,
'1 "
, "
:f
"
"
, .
..... . " ~. r.''''.'
.
'r .,
..
-
"
, ,
"
,
, ,
, ,
"
;'"
, (Slanlture)
"
",
"
Ii
'I
,
,
"
, ,
I', 'I
,I'
:I\!
"
"
.' '
"
,
~' 1
, .
.".....
..
-
....
"
"
"
"
.." ..
, ,
"
'I ,I
I
, ,
,
!'I ,
" "
q;
, " H
, 'I ), "
;, , , , ,
.,
,
" .,
"
" '-;,
,
"
"I
,I
;1\'1
. ,!I
"
'j
,
"
~.
-, ~, ,
;"fl: '
"". L', i,
;:i'l" "
I,;!:
.,1
i
,
.,i
I'
I
\!)
l
,
"
,
,
i
"
I.
,
t
"
Ii'
,
I
"
01
,
,
,I'
I,j
. ,
."
,"'
, ,
, ,
.,
'1"
,
:i
.,
I
.,
"
il,
"
"
'I Ii
,
"
"
,I,
,r
"
"
L,
,
,
"
I: I
,I"~
II
"
'1
j"t
.,
',I
1./ '1,
,
.
...--. )
;1]
'j'
/-'
-, C,i'
./ ,-"" -),
. .
CALDWEll & KEARNS
THOMAI CI CAI,.C1WCl.I......
IItICHAlltCl I. ...CAIlINI
CAlli" 0 WA"
..AMEI flI. CI..,.IIINOI"
CHAilIl.EloJ C1IMA"'. III
JAMII D CAM"IELL Jilt
JAMEI I. 001.C1IM1T..
TIMOTHY I MA"K
DUOIItAH A C:A\lACINI
KEYIN D EI.I.'OTT
A I'1Il0'IIIIIONAL COIllIIOIUTION
"'TTOl'lNEYS"'T L....W
3e.)1 NOlin... "!tONT .TAtET
HM'I'lIIllIlURO, "ENNSY~V"'NI'" 17110-111I33
71'. ..a.. ~'"
'".lI' ';f1'..I...'..
November 14, 1996
Clifford A, Rieders. Esquire
RIEDERS, TRAVIS, MUSSINA.
HUMPHREY & HARRIS
161 West Third Street
P,O Box 215
Williamsport, P A 17703
Re: Laura Koch v. Joseph D. Puchalsky, Christopher Martin and
Lisa J. Puchalsky (Cumberland County, PA, No. 96-702)
Dear Cliff:
Enclosed please find document responsive to your SubpoenaINotice of Records Deposition.
The following are specific responses to your request:
\", See enclosed statement of plaintiff
2, See enclosed policy printout indicating liability limits, I am still attempting to obtain
a certified copy of the declaration sheet, -
3.
Lisa Puchalsky is a named insured on the policy: her son, Christoper Martin is listed
as ~ driver on the policy, It is unknown whether there are any other policies in the
same household ,.,
-""'
)
i
--
4, USF&G is the not aware of any excess coverage,
5, Not clear what information is sought with this request.
6, Unknown as to whether thp,re are any other policies in the same household.
7. See enclosed photographs of the vehicular damage,
8, See enclosed documents,
.
, ')
Clifford A. R1eders, Esquire
November 12,1996
Page 2
"
,
,
9, See enclosed documents. (We have not photocopied the medical records and bUls
supplied by plaintiff's counsel).
I hope to hear from you shortly regarding the scheduling of depositions In this c~e.
Thank yo~ for your attention. '
~yo,ll!'.S' r)
, "~I) , '
Debonih A\~,a~in( _ _ _ _ )
;CALDWELL ~KE~
,,,--
,.-f
I',
'"
Lf
,.'
DAC:ns:80231
Enclosure
"
i j'
"
, '
.....
II.
\1
,
"
,
"
,
i-I
i,,1
"
"
, ,
'.
,'\.'1"',
"
I"j
,I
1;1
"
"
"
"
I,
"
'i
~ I ,
"
,
;11'
,\
"
, ,
"
\i
if
.,
1,11
I'd
"
I'
I!
Ii
., H
II
.,
]1
.,
>I
,
,
,
"
"
"
,
"
"
,
"
"
.,'
'i\
.
"
, '
I
,
,
. "h
" ,
"
, .
QI And how much do you think you misyed?
Al Ahh,' I think it was a total ot ..ven to eight
hours.
QI Ok, alright, ahh, what was the date ot this accident.
Al umm, the date ot the accident was a thursday the 10th
ot November.
01 10th ot November, about what Ume?
A: Umm, let's see, about 4130.
01 In the atternoon?
Al Yes ma'am.
0: Ok, and how was the weather?
A: Umm, normal, clear, cloudy_
Q: Dry?
A: Ahh, no I think it was just normal.
Q: It was not wet though, wasn't raining, storming?
A: No, no, no, nothing, dry.
Q: Ok, and umm, as, as far as, well give me some idea
of what you were doing at the time that the accident
occurred?
A: umm, r had pulled up and honked my horn tor amy and
she came out and got in the car and we exchanged a
few words and then I was hit.
Q: Alright, you were coming to pick amy up atter what
a class?
A: No I was at home, we were going to go, I think it was
to the library.
0: This, this accident occurred right out side of your
residence?
A: No ma'am I live oft campus, it occurred outside ot her
residence.
Q: Oh, outside of where she lives?
A: Right, I was picking her up.
Q: Ok, now what building would that have been?
A: That was Smith.
Q: Smith ahh?
A: Residence hall.
Q: Smith residence hall?
A: Umm humm.
0: Alright, so it is right on campus then?
A: Umm hUIIIID.
.
.
. .
'iJ
QI ,. Ole, the aoc1dent ocourred on oampul property rather
. 'thin ahh, lIlunicipal road.?
Af. Ua, I'Ill not .ure how that work., I'm, 1'111 the police
did the statement, because I think when there i. an
injury involved it becomes ahh, it becomes ahh, ahh,
police matter.
Q: Ok.
A: 10,
.
Q:
Ok 10 they where called because ot the injury and the
severity the damage. I quess?
Yep ye., ahh huh yep.
Ok, alright umm, the car that you were driving i. that
owned b~ yourself or is it titled to? .
UJI\lI\, it s umm, "Dad is the car owned by you?" Ye..
Ok, it titled to your father?
Yes.
And his name?
Peter D. Koch, X 0 C H,
And the same address?
Ul1IID huh.
Ok, and what kind ot car is that?
Ahh, it's ~ cutlass Sierria.
A:
0:
A:
0:
A:
0:
A:
0:
A:
0:
A:
0: . What year?
A: 19, "is it an 87 dad?" 87.
Q: Ok, alright, UJ1llll, it there I, a parking lane or
is it normal to stop outside of this smith hall i.
there an area there to park?
A: Yeah, it's, it's normal, it's, it's a fire lane, but
it's normal.
0: It's a fire lane?
A: There were cars all parked up along the side ot the
road, same place I was.
0: Ok, it" a fire lane but you can stop and, and?
A: Umm hum, I think you have fifteen minutea.
0: Fitteen minutes to pick somebody up or drop them
otf?
A: Your allowed yep, umm humm.
0: Ok, alright now you were parked up against the curb?
A: UM hum.
Q: And wa. your car in park, had you turned itott?
AI
01
Al
01
Al
The car wa. on, but it was in park.
Ok.
CIUBe I was, you know I just stopped to get her.
Ok, now who was the, what'. the name ot the girl
you were getting?
Amy Schuler.
Ok, and she is ahh, is she also a junior at Hessiah?
Yes.
QI
Al
QI
Ok, umm, she had already gotten into your car betore
it waa struck?
Yes.
Al
Q:
Did you see the other car that hit you anytime before
the imfact?
Umm, I III not sure, I remember seeing a car fly around
the corner and then it disappeared out of my sight
for a couple of seconds and then I was hit. So I think
it was the car that umm, hit me.
How it you see it, you peripheral?
My rear no, my rear view mirror.
Al
QI
Al
Q: I see, ok, so ok and, what part of your car was hit
and what part of his car?
Al Umm the part of my car that was hit, was my back left
QI Driver's side?
A: Yeah, ullUn huh.
Q: The driver, is that the corner of the bumper do you
mean?
A: Umm.
Q: Or square in the back?
A: No, I don't think it was square in the back, I think
it was the corner of the bumper.
Q: Ok and then, where you pushed into anything?
A: No I waa pushed up onto the sidewalk.
Q: Ok.
Al As far as anything in front ot me, there was I car
in front of me but I did not hit that.
Q: Alright, do you know where that car came from?
A: The car that hit m~?
QI Umm humm.
.
. .
, "
,Ill.~ .'
AI Ah umm, you mean from what I've been told or?
."., 01 What road I que..?
AI Oh, the name of that road is, ahh, I think it'.
LiBburn road.
~
QI Ok, alright and what the name of the road that run.
in front of smith hall?
AI ummi now that i. the one I don't know. I think it'.
cal ed college ave.
01 Ok,
AI They don't really have names, I think they refer to it
as college ave.
0:
Ok, alright and ahh, how long had amy been in the car
betore the impact?
Ummmm, probably, I don't really remember umm.
Was it juet a matter of seconds?
No I would say tive minutes or under. Maybe three
or four.
A:
Q:
AI
Q:
Ok, alright, ahh, after the accident what happened, did
you get out of the car, did you talk with anybody?
No, umm, well I remember looking over at amy and just
you know, are you ok, are you ok, and then I remember
umm, I think I blacked out because I can't remember much
and then I ~emember someone, it's on and ott I don't
remember much at all. I remember umm someone blond
.sitting next to me helping me, but I didn't get out ot
the car, I didn't move.
Was it a lady or a man?
I assume yeah, I remember a ladies voice. But I think
there was a man in the car with me to, I think he wa.
holding my neck or my head, just keeping me still.
Ok, do you know whether or not you hit anything with?
Yeah, I do no that I do remember hitting my head, umm.
On the windshield or the?
No on the trame.
What frame?
The frame between my window and the window shield, or
whatever it's called, the trame right there.
Around the windshield or the door?
Umm, around the door.
AI
QI
AI
Q:
AI
QI
AI
Q:
AI
QI
A:
Q: Around the door of your car?
AI Umm, wait no, I quess it was the windshield then, it
was the one towards the tront.
.
, '
e
QI Ole.
Al or, I don't remember.
QI You just remember hitting?
A: I just remember hitting, yeah, I I.
QI Was it your forehead that hit or the side?
Al It was the side of my head yeah.
Q: The left side?
A: Left side.
Q: Ole, alright, did you have your seatbelt still on or?
Al No.
Q: You didn't have the seatbelt on at all?
AI No, we had taken, I had taken it oft.
Q: Ok,
A: Amy might of had her's on.
Q: Umm huh.
A: I'm not sure, you can ask her that.
Q: Do you remember being thrown around in the car?
A: Yeah, but after that I can't remember much.
Q: Alright, do you remember if the ambulance came?
A: I remember ambulance'S, I don't lenow it I remember
them coming or not.
QI Ok, and you were taken to Holy Spirit is that correct?
A: Ahh huh, ahh huh.
Q: Ok, umm, as far as treatment at the hospital, do you
know what was done for you?
A: Umm, ahh, treatment at the hospital was x-rays ummm
I guess they moved my body parts around things lilee
that.
Q: Make sure nothing was broken?
A: Yeah.
Q: Ok.
A:' I, I think I had like a total of tifteen x-rays or
something like that, there were quite a tew.
Q: Ok, and that was at Holy spirit?
A: Ahh huh, ah huh.
Q:
Ok, and did they release you that night or did they
keep you?
umm, they released my under supervision.
A:
.
'.
'"
\
Ok, what kind ot instruction where qiven?
Umm, to watch me like every three hours umm, umm,
he gave, my mother wa. with me and he gave here a list
of things to watch for and not to let me do, umm do
to my concussion.
UIMl huh.
And ahh, I was given a prescription a painkiller.
And what kind ot, do you remember the name of it?
Ahh, "dad what waa the n;sme ot the painkiller?". I think
was, BOO rniligrams ot motrin, every three or four hours.
Ok, and what did they determine was wrong other than
the concussion? Did they come up with any? .
Ahh, I'm not sure, like you'll have to ask them cause
I don't know. I was still pretty out of it.
Q: Alright, then you were released to go back to your, your
home?
A: Home, my home at school.
QI
AI
QI
Al
Q:
AI
Q:
A:
Q:
School, ok, alright what kind ot prOblems have you been
having since you went to the emergency room?
UIMl, with my ahh, I've had some confession, UIMl I pretty
sensitive to bright lights, I have some nausea, umm I
am real tire, bad headaches, some sharp pain on the left
side, let's see, my ahh, left leg has had some pain, my
ahh, right shoulder sharp pains, my lower back had some
~~arp pains in it umm, let's see ahh, I quess that would,
my, my right hand, I had some like, motor control
prOblems, I've not been able to grasp or pinch hard or
write, umm, let's see, I think that about, that about
covers it.
A:
Q: Ok, and have YOU ever had these type of prOblems before
this accident?
AI No.
Q: Nothing like this?
A: No.
Q:
A:
Ok, and I understand you have gone one time to see your
family doctor?
Ahh huh.
Q: And his name is?
A: Dr. James Redca.
Q:
A:
Alright, and do you have any appointments scheduled
to see him again?
Ah huh, ahh today at three thirty.
Q: Ok, ahh, he is orderinq what tor you, or what is h. doin9
.
.
A:
tor you?
Today I getting an MRI, and I probably going to speak
with him a betore hand a little
Umm hum, ok do you know what the MRI is, what part of
your bOdy it's taken for?
What part ot my body is being taken, my mr head and my
dad "lust said I'm not speaking with him f rst, it's just
a HRI appointment.
Ok, ok, but the MRI is tor your head?
Yeah.
Not your back?
Mh, no.
0:
A:
0:
A:
0:
A:
0: Ok, is that the only thing that is scheduled so tar?
A: Mh, I have another one scheduled on triday it I need
it.
0: Ok, that one'. not definite yet?
A: No.
0: Ok, ftnd that will be done at what hospital?
A: I think it'll probably be done at Williamsport Area
hospi tal.
0: Th6Y have a hospital in Williamsport?
A: Umm yeah, we're not sure.
0: bk.
A: It's still early.
0: Ok.
A: There's two here there a Divine, which is a cath.
a catholic hospital, and then there's Williarnsport
they both have a MRI.
0: Ok, as far as your passenger, Amy, have you talked with
her atter the accident have you checked with her to see
how she's doing?
A: Umm yeah, umm ahh, were friends so we've talked, umm.
0: Does she seem ok, or is she having any particular problem
A: I don't know we haven't really talked about that.
Q: She hasn't really said anything and when you do see her
A: We usually do our homework together.
0: Ok, and, and you have seen her frequently after the
accident?
A: Mh, lIot frequently, maybG a couple times.
Q: She doesn't appear to have any problems?
.
. '
--.........."....,.... ...................\-. ...
........-.......'
..________.__.'_'.M._T_...'.__'___~.__,..,..__'_.____'---,..,--,.,----,--,.--,.,-----,.,--,...,....,.,---....--........--.....
. .
.-
O,t.1 '"and')' I 14 Nov.mber 1994 11110lm ET
TOI Dilne,B)'lr., J.,n.Elrn..t .
Froml CL.AIHS,PROD
S~bJ.ctl ACORD AUTO-LISA J PUCHALSKY~
\...
4,q4 .. ~ 1:tJ..(l~('1 C>Je( {he..
/I' , () e 0-./ JetJ.1'l'
V ~"t:.--
.
) BI)OY DEFAULT (. ! (9.')
!TOI (J
'CC I (J
'SUBJECTI ACOND AUTO-LISA J PUCHALSKYS
!, """" " J""'" I J"" '" """ ", " "'" "'" '" "" I fIll' I I '" II I '" If If!
!lATE I 11/14/94
POL IC'I'- NO T'-HA1067232430B
AUTOMOBILE LOSS NOTICE
CLAHI....H(h 26GO -~HL1....-.... - .... .
FORM ENTERED BYI GLORIA EARNEST
...~...........................~~.......................~...........~_........"
~...............ft...~.._..~*....~.....~~~I~~a~M~n......~~...~I~~.~*W~~...........
-,..
PRODUCER
HUrTER AOj:NCY I INC
(717) 766-0281
COMPANY - U S F ~ Cl
P.O. BOX 2424
MI::CHANI CSBUllO
CODEI SU6CODEI
26 4199
PA 17055
CAT NO I
POL EFF DTI POL EXP DTI
'07128/94 01128/95
LOS ~Mr.: I PRV RPT I
/10/94 j
.._...~~.*=~~~~=aanaa.un
....a=...~..a..l~....~
,
a....._..........................c......~~~.......E..=~
a...u.............s.m....n..w...........~...=.=m...u..a
INSURED
LISA J PUCHALSKY~
#
lJHERE,
lJHENI
RESIDENCE
( )
K"\
BUSINESS
( )
CONTACT I
J
MESSIAH COLLEOE
ORANTHAM
RESIDENCE
(717) 766-~IEl95
CAMPUS
PA 17027 ^ '"
BUSINESS uJ'TV'"
( )91\ -1,.1.1.. I
.......a.n~.wc=...&=====.==~~=~==~~==~~~.==*.=~.~=...=~=...=~.w...w.w...a".n."G
".D..a................=.==..~a=~....~~==~~~~s...~..uw.".ww.~~..~...w~..m.....~=
LOSS SEen ON
LOCATION,
GRANTHAM. MESSIAH CAMPUS
LOSS DESCRIPTIONI INSD.
AUTHORITY CONTACTED: UPPER
REPORT NO, .
LOSS ST, PA
(ClMT, OFF ROAD. PARK
REARENDE 0 CLM'r.
ALLEN TlJP POLICE
VIOLATIONS/CITATIONS,
"u.I"...ao.....~====~=....~==~~~=~:~~=.==~~~~~~:~=====~=~~.=="..~~.~I~~~..~~~=..=.
~.~I~.......~S............=...K..........*.=.a.........~...~...ss.....~.u.n...U.
IMPACT POLICY INFORMATION
RISK STI PA COI 02 BOI 26
ORIG INCEPTION DATEI 01/2B/8B
COVERAOE VEH VEI-i VEH VEH VEH
l:lESCRI PTI ON LIMIT OF LIABILITY DEDUCTIBLE t1 .2 .3 H ., -
.., f. Ilf' I ,....,. f.... ....,.., . . . . f I I '" I' I .. . .. . ffl' ,. . f' I
LI AS/CSL $100.000 X X.
NST UH SL '35.000 X X
UIMCSLN/S '35.000 " X X
BASPIPSGL PLEASE REF E R TO POL.ICY X X
ADDMEDEXP PLEASE R~FE R TO POLI CY X X
MEOMIRKLS PLEASE REF E R TO POLICY X X
COMI" ~~~ ~~ X X
COLLISION X ~
TOU/LABOR '2:5 X )(
~
LOSS I"AYEE AI"PLIESI
VEH 1 . DAUPHIN DEPOSIT BANK
..4>
,
VIOO POLICY INFORMATION 1
POLICY NUMBER PPA 106723243 08 INQUIRY DATE 11/10/1994
DATE CONVERTED TO NAVIGATOR
ST PA CO 02 FAC N BO 26 AGENT 264199 SUBPROD ___ UNO RAJ EMPLOYEE POL N
POL STATUS ACTR POL STATUS DATE 11/29/1994 PREV POL NUH CPA3764215772
ErF DATE 07/28/1994 EXP DATE 01/28/1995 TERM 6 MASS MERCH _ EXC/ADD POL -
NB ISSUE RATING DATE BILL TYPE C / PREY TYPE _ BILL PLAN 04
ORIG POL EFF DATE 01/28/1988 POLICY ADDED ORIGIN CV / DATE 06/13/1990
RATING PROCESS DATE 06/12/1994 LAST KTC DATE 12/15/1994
CANCEL DATE I TYPE ____ I REASON _ I ADDTL REASON __ I NOTICE REO -
NAME ADDRESS
1. LISA J$PUCHALSKY 7155$ MESSIAH COLLEGE CAMPUS
2, CITY GRANTHAM
3. STATE PA ZIP 17027 _
PHONE NUMBER
MAIL ADU MESSIAH COLLEGE
CITY GRANTHAM
SOC SECURITY NUMBER
FULL TERM PREMIUM $
NET ADDTL/RETURN PREM $
SELECT TAXES
CAMPUS
STATE PA ZIP
CASH W/APP
17027 _
BILLING ACCT NUM
575.00 WRITTEN PREMIUM $ 719.00
44.00- COMMISSION $ 107.85 PER CENT 15'
4B'
ENTERaCONTlNUE PF1=HELP PF5=INQUIRY MENU
0~9 a:Connected Port AI03
VI15 POLICY INFORMATION 3
POLICY NUMBER PPA 106723243 08
INQUIRY DATE 11/10/1994
SAFE DRIVER DISCOUNT YEARS __ TOTAL SAFE DRIVER DISCOUNT CREDIT $
TOTAL DRIVING RECORD SURCHARGE AMOUNT $
TOTAL SAFE DRIVER DISCOUNT REDUCT/LOSS/ADDL AMOUNT $
RIQ SENT DATE RIO REC DATE RIQ RATE CHANGE
REUNOERWRITING:
RECOMMENDED ACTION
ACTION TAKEN _
PREMIUM CHANGE _
CHANGE IN PREMIUM $ 000000000.00+
ENDORSEMENT FORMS I EDITION DATE
PP0405 I 0188 PP0421 I 0790 PP0417 I 0790 PP0551 / 0790
PP0303 I 0486 IL0910 I 0181 PPOO01 I 0486 PPOO02 I 0486
PP015l I 0892 PP0338 I 0790 I /-
1- /- / /-
I- I- / /-
/- 1- / /-
4B.
ENTER-CONTINUE PF1-HELP PF5-INQUIRY MENU
0~9 a:Connected Port Al03
.
. .
\
VI40 BASIC COVERAGE
ST PA CO 02 FAC N
EFr DATE 07/28/1994
SEL POL COV PREM $
_ SEL ACCIDENT/VIOLATION INrO-VI65
INFO POLICY NUMBER PPA 106723243 08
BO 26 AGENT 264199. INQUIRY DATE 11/10/1994
EXP DATE 01/28/1995 TERM 6 SUBPROD ___ UNDWRIT RAJ
NON-STAN _ MASS MERCH _ EMrLOYEE POL N
TOTAL POLICY PREMIUM 763.00
S
V YR MAKE
1 92 SATURN
2 85 TOYOTA
MODEL
STAT
A
A
SYM CLASS
4 807522
12 887182
SL2
MR2
TER ZIP LP
027 17027 Y
027 17027
PREMIUM
457.00
306.00
S 0 OPERATOR
1 LISA J /TEACHER
2 CHRISTOPHErt M _ /STUDENT
STAT
A
A
---
VEH I ASSG
1 2 3 4 5 EXT N/O PREM
P ___
---
----
----
----
----
----
48.
ENTER-CONTINUE PF1-HELP pr5-INQUIRY MENU
0..9
PF7-BACKWARD
a;Connected Port Al03
RISK COVERAGES
NlmBER PPA 106723243 08
2 RSK REV 0 RISK Rr:v
REV COVERAGE
000 LIAB/CSL
000 NST UK SL
000 UIMCSLN/S
000 BASPIPSGL
000 ADDMEDEXP
000 HED&WRKLS
000 COMP
000 COLLISION
000 TOW/LABOR
VI55
POLICY
RSK I
SEL
RISK DESC TOYOTA MR2
EFr DATE 07/28/1994 RISK REV TRM
LIMIT DEDUCT
100000
35000
35000
----
100000
15000/ 1000
100
200
25
MORE N
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
DATE 12/15/1994
PREMIUM
113.00
11.00
5.00
32.00
28.00
5.00
16.00
95.00
1.00
ENTER-CONTINUE PF1-HELP PF3-COVERAGE MENU pr5-INQUIRY MENU pr6-VI42
48. 0..9 IIConnected Port Al03
.
'Photographs
--,
r-
-,
I ... .....
......,...... .. ...Lt"'!:f~._ ....
"-~....-
a- .. '';': ..~Ii-' '.
_ -_. .... ~':..........e...A.
ascribe leene:
Photographs
f.~t 7}{J..,1' O.
t f f 1" 1=,.,,~1
.
.mer. was pointed: E W
N S
".as standing_
I"IIlseribe scene:
_ II. If
amera was pointed: E W
N S
~'as standing
P;,~::;8, . ;.t!:1-?# 11-- /"~"r
,
. !:~
Time
A.M.
P.M.
Claim No.
.
-
'.
..' i . ,
Jul~ 31,19"
"
Mr. Clifford A. Riede..., Elqul...
1e1 W.., Third SL
P.O. Box 21&
Wllllamaport, PA 17703
,R~: Claim ~800 AL 275171-01.1
'InlCl: U.. J. puchallky
Clmt: Laura Koch
OIL: 11110/94
Dell' Mr. RIeclt...:
Thank you for your Inquiry regarding Laura Koch.
___._ At \till tima;owe wm-notvolunlarily ralease the Information that you requiiitiiralnce you
do not ...present the Interests of our Insured. Quite frankly, we are not conlestlng
coverage and/or liability In this cese, so, in essence, your request Is moot
In order to get this case moving. we need the following Information from yO\l:
1) Oec:Iaration page from your client's applicable policy/coverage IndiCIting the elected
tort option.
2) Any additional medical reports and the corresponding billings (In Iddltion to your
March 11, 1996 correspondence) that you would like considered In our evelultion.
Thank you very much for your cooperation In this matter.
Sincerely,
h
Catherine L. Marehall
Claims R.P.....ntatIv.
C\.M:cIm
.
-,."
I
LAw CwIcB'
g__lI. S""~, ~. ~~ d"ci'ft,,,..,,
161 W.I7THIID STR'IT
P.O BOX215
WIl.lJAMII'Olrl'nPIHNIYLVANIA m03
171 32301711
PA/l(77)323.wn
OARYT. HAlRJ.
JOHN N. HUM~HOY
MAI.COLM., MUSSINA
CUPI'OID A. R1BDIU
Aloe....... N.V. ~ D.C.....
RONALD C. TRAVI.
THO/otAl """PINSCHMIDT
C, IC01T WATlO
a36 M(bDr~1K ROAD
OUAT NiC~ NY 11023
l<JMI8m.V A. PAUIJIA/oIU.
PIno "'-fif
ROIIIT H, YBSELY
Aloe M..1. Moine ...I M..., ....
IBPFUY C. DOHRMANN
~MICIWlL WJ~
~~~:..
June 4, 1~~6
Catherine L. Marshall
Claim Representative
USF&O .
P.O. Box 9700
HanisburB, PA 17108
, ,
,
RE: Your Insured: Lisa Puchalsky
Our Client: Laura Koch
Date of Loss: 11110/94
Claim # 26.00 AL 275-171-01-1
REceIVE~
JUN 1 0 1996
Dear Ms. Marshall:
':::..AIM CEPT
u,.o.F..60 0, H8G,. PAt
May I please have a response to my correspondence of April 8, 1996. IfI do not have
a response by June II, 1996, I will be forced to utilize a subpoena.
.
Very truly yours,
CARlJc.:.ms
RlEDERS, TRAVIS, MUSSINA,
~HREY & IiARRIS..
Clifford A. Rieders, E
h
,- '.. ---........ . .. .".. -...-...,.-.....--.....-.-....... ,.., --. . .-...... ,.., ... ,,,_... '.--..--- ., ....
_...
.
-,'
, ...... '.' _.., I
. .-,--'.'
.
, .
1..\" lI~'ICB'
1lJxitl., S"'M1Hi, ~, ~r+'HJ' d'rJ1I"t.,~
161 WIITTHI1D8mrr .
P,O. B0lI21S
"'WAMll'OlTnPINNIYLVANIA17703
(71 323..711
PAX (7 7) 323-4192
N_r.~~
226 HI DLI K
ORJlA,~ NBC Y ~
ICIHBBRLY A. .AI1lJWIU.
PIIa MoMtoo
OAIY T.IWlIIl'
JOHN M. HUM'HIBY
)W.COLM.. MUSSIN"
CUPPORD A. RlBDBU
~ M.... N.y..... D.C,'"
ROIWJ)C. TRAVI.
THOM.\l ".....BNSCHMll1I'
C.ICO'IT""TBU
ROBBRT H. VBSBLY
AI.. M.... Mal.. ..... M_. ...
epPR8Y C. DOHRMANN
. MICHAIIL WILBY
.,.B_loIl..w
~~'l\L.. lor
April 8, 1996
---...- '" ...' ...,-.- .....-...- ..-.. -. _.... .-.' .
..-. ,...-.,--.... ':"
-...
Catherine L. Marshall
Claim Representa\ive
USF&O
P.O. Box 9700
Harrisbura. PA 17108
.
RE: Your Insured: Lisa Puchalsky
O\lr Client: Laura Koch
Date of Loss: 11/10/94
Claim # 2600 AL 275.171.01.1
REceiVED
APR t 0 1996
~ ~IM DEPT.
U.$.i.. Q. HBG.. PA.
Dear Ms. Marshall:
As you are aware the undersigr1ed represents the above-referenced individual with
respect to the incident referred to.
Would you plea,e be so kind as to send me the following:
,/\, Any statements you have taken, whether tape recorded, signed
or unsisned. or whether you merely have taken notes;
2. Certified copy of declaration sheet;
3. Names of all insureds, whether named insureds or not; any other
policies in the same household or the same business; names of any other
inSUl'lllCC companies you are aware of which may provide excess underinsured
or uninsured motorist coverase; any other possible applicable policy
inronnation;
.
. .
';i,"
"
~~ U SF. G"
'1 1Ii11'"
"
S,plembu15,1995
,
,
MI. Laura Koch
M...lah Colle,.
aratham, PI. 17021
"
...--- .-.....
JI.E: Insd: Lisa 1. Puchalslcy
2600.~27SI71.01.1
Clm\: Laura Koch
DOL: 11/10/94
Dear MI. Koch,
Section 146.6 of the Unfair Claim Settlement Practices Act requires that you be notified in
wridna when a claim Investigation caMot be corr,pleted within 30 days after our
notillcation ofa claim. If the investigatioll is continuing, we are required to again notify
you every 45 days thereafter.
PI~e be advised that the final disposition of your claim has not been made and the
reason(s) for the delay is: We must have a medical authorization signed so that medical
records can be obtained before we can present &I1Y offer of settlement.
A decision on your claim may be expected upon when the medical authorization is signed.
Very truly yours,
.
Catherine L. Marshall
Claim Repre.entadv.
I ,I ,',
"
,
,
, .,'
CLM/lah
"
, I
..
~.. ..... fillIIIIY ... 0unIIy c....", 210& Imlfltll. 0..... Suitt lOll HIoQlro. PI. IIno US MIoI: '11101 1100 "",IINg.'A 17101
.. TII m 171100' IlOI32 0olOI '11 m '717.'
',.
I " '
. ,__._ ,.. .. .,., ., ..,... ,.."...... ,_..., ".1 .
,
,,_ 11......'.-.....
~'"
Ju112e, 1"'
MI. Laura Koch
255 Whlppoor Will Lan.
Cog'" St8tlon, PA 17728
RE: Clalm,2600 AL 2'75171.01.1
Inad: U.. J. Puchallk1
Clmt: Laura Koch
OIL: 11/10/94
OtIr Laura:
,Section 146.8 of the Unfair Claims Settlement Practices Al.1 requlras thllt you b.
notified In writing when I claim Investigation or payment cannot be made within 30 dlYs
after our notification.
At this time. I stili have an open claim regarding your injury. I would at 'east awe you
any out-of.pocket expenses that you might have incurred. If your injury is such that I
settlement offer should be made. I will need to have I medical authorization signed, 10
that I am able to request hospital and doctor records to substantiate your Injury. I
would also like to contact Nationwide regarding the total amount of medical bills
InculTed. Without this signed penniasion. my requests lor infonnalion will be relused.
If there is Iny problem with signing this fonn, please call me to discuII. When you
have beln released from the docto~s cere. I would ask that you call ma It thllt time IS
well.
Thlnka for your Inticlpated cooperation in this matter.
Sincerely,
Catherina L. Marshall
Claims Reprellntlltlva
CLM:dm
lIlCloaure
"
" ,
..
, "
'.
~UI~,t:G.
.
. .
lund,l995
MI, Laura Koch
Mtullh CoUea.
Onntham, P A 17027
P.E: 2600-AI,275171.Ql.l
Inad: Lisa J. Puchalslcy
Clmt: Laura Koch
DOL: 11/10/94
Dear MI. Koch;
Section 146.6 of the Unfair Claim Settlement Practices Act requires that you be notified In
wrltlna when a claim Investlaatlon cannot be completed within 30 days after our ,
notiflcation ora claim. Itthe investiaation is continuing, we are required to again notify
you fIVer)' 45 days thereafter.
Please be advised that the final disposition of your claim has not been made and.the
reason(s) for the delay is: Please caD when ready to settle claim.
A decision on your claim may be expected upon receipt of phone call to the undeniped.
Very truly you1l,
Catherine L. Mar.haD
Claim Representative
CLM/I1h
, ,
"
, .
..
.
.... .... .. ... iIolItWllY ~ JIll NcrIl """ Slrlll Hr I:ut. '4 17110 ~ MIoI PO 100 S700 HIII.,.'4 17lllt
, TII717.2311111 1OO1320A0l '.711.231.73&1
. .
. . ) .
,
~. U S F-t.O'
" 111111111
t I'
. '.
. '
,
,-,
, ,
'.
Dece.ber la, 1".
Laura leoch
Mi..lah Colle;_
Grantha., Pa. 17027
,
Rill
2600.AL-275171.01-1
~ .........;.. ..
O.ar M.. Rochl
s.ction 146.6 of the Unfair Claim Settlement Practice. Act
require. that you be notified in writin9 when a claim
inve.tiqation cannot be completed within JO day. after our
notification of a claim. If the inve.tigation i. continuinq,
w. a,re required to again notify you every 45 day. thereafter.
We advi.. you that the final disposition of your claim hat
not been made and the reason(l) for the delay please siqn and
return medical authorization.
A deci.ion on your claim may be expected upon receipt of
medical authorization.
.
Very truly yours,
~~~,M)<
Claim Department
CHild
"
.
~ S.... ,_ ... 0uIr...., ~ >>11 NlIIIl "... SlIM "",~'4 I1I1t US MIll: PO .. 1100 ~'4 m.
TII l1Jn.t,7IU 1OO11201ll1 .. l1Jnl.73&1
-.
"
@;
coag~, _TH~ANIA 'j..''S'\J\
,"OLICE ACCIDENT REPORT
.. I I .
(0)""1" TO OVE"LAY IHUTt .~..,. "E~J","ILI EiJ NON. "I'O","ILI DO~2r,-;lu~' .INNDOT UII ONL V
-
POLICE INFORMATION ACCIOENT LOCATION
I 20 C08~~b.rhnd ;n COOl
~ 91-3594
2, "1hn ~'o...n.hpp p(ll1<:O IJ."r.. 21 M~'CI'ALIT~11 l''''P. 1 O.COOI
NAMI pper I'p.r II"
':-ST AiioHI [. PATROl PRINCIPAL ROADWA Y INFORMA TION
."i<i.HeT ZONI
II'lni~~.rE. BAoaE 11 22 "OuTE NO 0" ClOlpu . Dt'iva
Strayer NUUI(R ST"EET NAME
I. "'~ ~ .IlflY .::2:/ l~. BAOOI :3 23 B'EEO ~TYPE ~~:CCESS
, 1.;/.. ..".... NUMBI" LIMIT 25 HIOHWAV 0 CONT"OL 1
'I Ll-10-94 . A""'VAL 165" INTERSECTING ROAD:
DATI TIMI hr..
ACCIDENT INFORMATION 2t "OUTE NO OR
ST"EET NAME
I, ACQOIINT ,ODAYOI'WI(K IV 21, B'UD 1.!J:TV.1 ~:CClBr-
DATI 11-10-94 Thuucll LIMIT HIGHWAV CONT"OL
11. T1M--.-cliI 12, NUMISEA IF NOT A T INTERSECTION:
DAV 1654 hr.. 01' UNITS 2
13. . KILLlD I" "'t'URED 1&. PRIV. PROP y@ NO 30, CROSS ST"EET OR G::ant)hl101 I'ht.
0 ACCIDENT SEGMENT MA~KER
" DGVlHICU HAVE TO BI "'MovEO 7 'W'EMtCle DAMAGE: ;)1, DIRECTION ~OLiUNCf ----
'flOM THI SCENE! O-NONe: UNlTl D /JROM SITE N S EI W ~"OM SITE 1 ~; n ~\i
UNIT I UNIT 2 1 'liGHT 33 OI$T ANCE WAS MEASURED ~ ESTtMATE'O 0
2. MOCERATE ~
y[]) NO y[] NO 3.SEVE"E UNIT 2 tE)~ONSTRUCTION EJ ~TRM"C PRINCIPAL INTI!R$ECTIN(
-- ZONE CONT"OL [!] D
II, HAlAROOUS yO N(] . PENNOOT yO N() DEVICI
.....TlRIAl.S PFlO"!RTY
UNIT'l UNIT' 2
31. LIGALL V y Nil 37 "10, /38 ~T.ATE 36 LEa"L Y Y N J7 "Ea 131, BTATE
'A"KIO? 00 'UlTE .\pr I~~. 'A"KI07 [J 0 PLATE ..~, 0" ~-.
JI. PA TITLI 0" 372606~~ 38. PA TITLE OR J971S~3)
OUT.()II.STATE VIN OUT.OF.STATE VIN
.0 OWNER -
'0. OWNER Cht:.I.. tnphtt:' ~'lJrU.n ~ L1G1}) J. Pu,,=hol!l~. . P.eer B. K'-'cil
'1, OWNER "1t'l8.Jil\h CoU.e~l\! ., OWNER ~~5 'ihipp"or~l
ADORESS AOD"ESS ~,QhO
<2, CITY. STATI ., .2 CITY, STATE
'ZIPCODI GUMhctII. " 17U27 & ZIPCOOE ~'='9'm !ot03tJ.on, ~A )'/ :211
--
'J. Yt1R r", MAKE "), YEAR I'" MAKE
1 86 To',ota lS87 (l,..l.mohll a
'I. MODEL . I~~T . r"& INS ..5 MODEl., (NOT '''6, INS NO
BODy TY'E "11'\-2 y:O NO u".O BODY TYPE) r;u'tl....:J C1err!\ y[) u".C
~ ~.JSPECI"1. ~~E~ICI.E ~~ODY ~~peCIAL ~~EH'CLE
TV'I 02 USAGE 0 OWNEFlS~lP 2 TVPE 04 USAGE 0 OWNERSHIP 2
~~NITIAI. IMPACT ~VEHICLI ~:RAVEL ~~NITIAI. IM"ACT ~~EHICI.E ~~R"VEL "'1
'OINT 1 1 STATUS 0 5"EEO 30 POINT 6 STATUS 1 S'fEO
~~IHIClE ~~"'VE" It"I ~~RIVE~ ~~EI-lICLE ~~AIVE" 1,'"1 :e>,DRIVER
aq'Olf!NT 2 DFle-:t!"IC! 1 -:OND!TI(JN l O~AnIE...T ;t PRFSP-4CE . CONDITION 1
H DRIVER I ~7 STATE 56 DRIVER " ?~~ dOQ 1$7 S~:E
NUMIER 24 673 602 ?)l. NUM8ER
H, OAIVIR JC1uph D~n1" Pucndl5.y 68. DRivE A [...url Lou1u Koch
NAME NAME
II,O"'VIR Mello1ah COlle')1 ~i ORIV(A 716B Grlnth.m ROdd
ADD"ESS ADDRESS
BOTITY. STATE 60. CITY. $1 A TE -
. ZIPCODI Grlnth.u. p~ 17027 , ZIPCODE Crantham, PA 17027
Il'AIX 62. DATE CW ., e3 '"f~~- 3S95 151 Sr'", T62 DATE Of '~-CI!,-73 . 16.) PH80/1
I'''TH 07-15-,8 r BI"'TH 6 7-91 ~2
... ~MNv~ . BI OAIVE" 1&15 ORIVER .. COMM ,v::; I BI D"'VEA 1 0& ~~~E" 1 t:
CUlSS C S 51 165 64 4176 YON CUlSS C - - ,1 ~ .70 7042
'7, CAIl"'I" . 157. CA~AIE" H.:\jl::1 '. }
.-
I8-:cAifAII" 611 CA"RIEA
AOO"III ACD"ESS .' Io(hR 0 7 1995
II. CITY. ITATI U CITY. STATE
,~ , ZIPCOOI
70. USOOT , ICC, FtuC, 70 USDOT . ,cc~. _~-;,";.;J P.~~"PA.
~VlH, ~ ~ROO " OVW" R~)~IH ~ CAAGI:J 7., OVW1ll -,
CONflQ. Y TYPI 1"~YL1~w.n . CONOIG DOY TV'I
7S~ pz!. HAZAI'lOOUS 71, NO, 01' R! HAZARDOUI 77. yn- II t3 ":~ I
AXl.1I MATIRiALI AXLU MATlRiALI
AMI (11II) 1331120 'Aal; --L INVesTIGATING AOINey
~ ' . '
0226-20iU
. -
".IltI/'ONOlNO _ AOIHOV ..... ."^p. pw. INCIDENT 1/: 94-350.1.
".MIIlICAI. ,AQUTY Holv IDlrl" HCl-ft"~" ACCIDENT DATE: n-10-14
9' . "ii' "n' I , 0 NNoII ADDAn. H I J K L M
1 1 M l6 3 1 0 Op.rator 11 0 0 0 B 0 0
2 . r 20 3 2 0 Operator 12 4 5 2 . 0 6
~
2 3 r " 3 2 0 .....y lohlll.r, Salah 8-203, M...lIh Coll.V. 0 0 0 . 0 0
"..""n..., .~
-
I' ~ Ill, DIAGRAIIl ;. ~
E)IJ.UM&,'I1OH' f~] @WEATHIA '0 O~
~IUNAQl0
:
.. I'INN.Yl.V....'" ICHOOl. DI.TAICT . (..~ ,r:p '\'...' . ..,.~Q:2..
lU' ~'UCA'LII ..........
M, Dnc~ Of' CAMAGED PAOPERTY Q)~C)oo ... ..~
- .
." ., . ... : .. .... :
JWNEA
.oDIIf58 t .
-8
'MONI ........." .......... ........ ". ." . , . . . . . , , . . . , , . . .....", ."...."............
:
11. N.....RATIVli .IDlNTIN PRECIPITATING EVENTS, CAUSATION FACTOAS, SEOUENCES OF EVENTS. WITNESS STATEMENTS. AND PROVIDE ADDITIONAl.
OITA1LI, LIKllNSUAANcr INFORMATION AND LOCATION OF TOWe:O VEHICLES_ IF KNOWN
Accord1nv to "ltn..... ond Opertor _l, 1',,1t U Ill~do left turn ont~ Ca~pu. Drlvo fro,"
~h. m.ln tin\. t'411ce ot Collovo. [\U6 to heavy ac:r:elernt1.)n, .. ov1doneed by .,,\\60 t lnll Cit
tilOD, OP" ra to.~ U lo.t I,.,.,ntr"l ..,nd th.e car 8\...er.\lU~ into the left . ido oC C."pus D,="lv~.
-
Opu.tor U th..n ov.rc~rtect~d and the c~r s....crvlJd .;1t;rOlH' the 1'i9ht lAne and 'lTllll:ifled Intr)
ll"'t 12 ..t,ich wa.. . topped 1 n the fire 1an" 1n front of th~ wtint door of Sl/Ii th DO'1D. Unit
~~ Will hlt with t1\Jch 1 Clp.ct th.t tho right r.:lt' tJre WAIr( blovn r)ut .nd ~h. whool waH forced
up onto the oid.walk.
DQth carda w.rG towod by Zimroerw~n'. Gar~9..
AUDITIC"~L WITNfsSIS: 1'11\0:. Utyotzy, Fry C-30 " Mn.hh C01l6qe. Gl'anthalTl f PI, 79f>-4H4
JIU1ta Rt;!ilC, t,eugle 11-306, HUGoiah Collego, O:-antha, PA 796-4355
.1ultln 1..oy, N.ugle ,1.-215, Mocohh Colh9~, Grantham P.' 796-'345
\.ulI".r.l.~t'.. ~)031 .$. I ,"ay~.\'::: "....-I,,-r-I:~"~.I, -,. .
. " 'I ~ ~ ."' '" ,
U." Mink... S",Hh E-20:>. Messiah Collecc Granth".. Ph 79:;.5018
INSURANCl COMPANY INSUAANC[ COMPANY
INFORMA'TlON u.s.r.&G. INFORM~TION NH 10n"ido
UNIT 'OLICY UNIT POLICY
, NO P';>'rl\ lO67;132'3(J8 I NO sa 8A23~-S79-0002
NAME CnUt"" ADreSS 7~t~b9
II lleth Smith 5-30 , H6.alah College, uranthaLo' , PA
oYITNISSES NAMl ADDRESS "~;V~
'no,.. Che"dy .;"lth C-201. 110..I.h <':ollegl!, Grent~ . . ".
II. VIOLATIONS INDICATEO 110 SECT'ON NUMBeRS 10"' Y IF C 'L.-I Ii ~_ TC NTC
'NIT 1 Llrivln\l Vohl~]. lit Soh Spud MI'C/336 I MAR 0 7 \995 0-0
:NIT 2 .. 00
~ Ll ~~~I'I ~ISULTS E!lNO TIST ~~OIAIl.E ~~,Yrl ~ISULTlI~~] . !.~1oN
JNiTi VIE TUT o % 0 AlFUSE USE TIST U. . 'VIE
" " UNIT 2 0 0 0'__%0 UN! c~m'
'-- 0 UNK VIS' NO 0
"""1(''''1 ~ INVUi llr,.1.11I~G ^Gk'IC't'
~
'. n
~.GI, _
LAURA L. KOCH, I
Plaintiff I
I
V. I
I
JOSBPH D. PUCHALSKY, I
CHRISTOPHBR HARTIN, and I
LISA J. PUCHALSKY, I
Defendants I
IN THB COURT OF COMMON PLBAS OF
CUMBERLAND COUNTY, PBNNSYLVANIA
No. 96-702 Civil Term
CIVIL ACTION-LAW
IN RII DlrENDANTS PRILININARY OBJICTIONS
TO PLAINTIFF'S COMPLAINT
BErORl SHIILY. P,J,. HorFIR. J.
AND NOW, this
OI\DER OF COURT
I! \ (I
day of March, 1997, after careful
consideration, Defendants' Motion to Strike 17.1 and 20.3 are
DBNIED. As for paragraphs 17.5 and 17.8, Plaintiff shall have 20
days to amend these provisions so that the facta essential to
support the claim are stated in a more specific form.
Defendants' Demurrer to Count II is GRANTED and Count II aha11 be
dismissed with prejudice.
Defendants' Motion to Strike Plaintiff's Claims for
Noneconomic Damages is GRANTBD and Plaintiff shall have twenty
(20) days to amend her pleadings to establish eligibility to ssek
compensation for noneconomic losBes. Othe.rwiBe, the noneconomic
claims shall be stricken from Plaintiff's Complaint.
By the Court,
Clifford A. Rieders, Esq.
For the Plaintiff
Timothy I. Mark, Esq.
For the Defendants
I / . {/
!d ( It( \. . k..--...-
Harold E. Sheely, P.J.
1B1d
e..f"'-'" "--'''<1,.(' It
~~)I 'II ~'l.
.J., 1'.
LAURA L. KOCH, I
plaintiff I
I
v. I
I
JOSEPH D. PUCHALSKY, I
CHRISTOPHER MARTIN, and I
LISA J. PUCHALSKY, I
Defendants I
IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
No. 96-702 Civil Term
CIVIL ACTION-LAW
IN REI DlrENDANTS PRILIMINARY OBJICTIOK.
TO PLAINTIrr's COMPLAINT
BBrORE SHIBLY. P.J.. HorrER. J,
OPINION AND ORDBR or COURT
Before this Court is Dsfendants' Preliminary Objeotions to
Plaintiff's Complaint. We heard argument on this matter on
Deoember 11, 1996.
PROCEDURAL HISTORY
This action arises out of a two-vehicle accident whioh
occurred on November 10, 1994. Plaintiff initiated this action
by filing a Praecipe for writ of Summons on February 8, 1996.
Plaintiff filed a Complaint on August 15, 1996. This Complaint
oontain~ three countsl Count 1- Negligence against Joseph D.
Puchalsky, Count 11- Punitive Damages against Joseph D.
Puchalsky, and Count 111- Negligent Entrustment against Lisa J.
Puchalsky and Christopher Martin. Defendants filed Preliminary
Objections to Plaintiff's Complaint on September 6, 1996.
DISCUSSION
Defendants have filed three preliminary objectiona. First,
Defendants have filed a Motion to Strike! 17.1, 17.5, 17.8 and
20.3, or in the alternative a Motion for a More Speoifio
NO. 96-7~2 CIVIL TERM
Pleading. Secondly, Defendants demur to Plaintiff'. count in
punitive damages. Thirdly, Defendants have filed a Motion to
Strike Claims for Non-economic Damages.
When considering preliminary objections in the nature of a
demurrer, "the Court must accept as true all well-pleaded
material facts in the complaint as well as all reasonable
inferences that may be drawn from those facts." O'Brien v.
Township of Ralpho, 166 Pa.Commow. 337, 340, 646 A.2d 663, 665
(1994). Conclusions of law and unjustified inferences are not
admitted by the pleading. Greenspan v. U.S. Automobile Assoc.,
324 Pa.Super. 315, 318, 471 A.2d 856, 858 (1984). The role of
the trial court is "to determine whether or not the facts pleaded
are legally sufficient to permit the action to continue." Coo.lu
v. East Norriton Townsh~, 78 Pa.Commow. 11, 13, n.3, 466 A.2d
765,767 n.3 (19B3). A preliminary objection in the nature of a
demurrer should only be granted in cases that are free from
doubt. Britt v. Chestnut Hill Col1eQe, 429 Pa.Super. 263, 271,
632 A.2d 557,560 (1993).
When considering prelimi.nary objections in the nature of a
motion to strike, the Pennsylvania Rules of Civil Procedure
provide that "[t]he material facts on which a cause of action or
defense is based shall be stated in a concise and summary form."
Pa.R.C.P. 1019(a). Because Pennsylvania is a fact-pleading
state, "A complaint mast not only give the defendant notice of
what the plaintiff'S claim is and the grounds upon which it
2
NO. 96-702 CIVIL TERM
re.t., but it must also formulate the issues by summarizing those
fact. essential to support the claim," Aloha Tau OmelIa
Fraternitv v, University of PennsYlvania, 318 Pa.Super. 293, 298,
464 A.2d 1349, 1352 (1983).
A trial court may parmit or require the amendment of a
pleading where the complaint ill not inherently unsound but only
incomplete. Motheral v, Burkhart, 400 Pa.Super. 408, 583 A.2d
1180 (1990). Maddux v, Pennsvlvania DeD't of AlIriculture, 35 Pa.
Commow. 386, 386 A.2d 620 (1978). The Pennsylvania Supreme Court
has held that "the right to amend should not be withheld where
there is some reasonable possibility that amendment can be
accomplished successfully." otto v. American Mut, Ins. Co., 482
Pa. 202, 205, 393 A.2d 450, 451 (1978).
In Connor. v. Alleahenv Gen. HOSD., 501 Pa. 306, 461 A,2d 600
(1983), the pennsylvania Supreme Court held that a proposed
amendment to a complaint arising out of alleged negligence in the
treatment of a hospital patient was not barred by the statute of
limitations. 1!L. The Court held that the amendment did not seek
to add new allegations of negligent acts by proceeding on a
different theory but amplified one of the allegations of the
original complaint and simply specifi~d other ways in which the
hospital was negligent. l..d... Moreover, in a crucial footnote,
the Court offered the following warning I "If [defendant] did not
Know how it 'otherwise fail[ed] to uee due care and caution under
the circumstances,' it could have filed a preliminary objection
3
NO. 96.702 CIVIL TERM
in the nature of a requeet for a more specific pleading or it
could have moved to strike that portion of appellant's
complaint." I!L. at 311 n.3, 461 A.2d at 602 n.3. Thus, a
defendant bears the responsibility of inquiring into general
allegations of a plaintiff's complaint by filing preliminary
objections.
A... Motion to Strike 'l! 17.1. 17.5. 17.8 and 20.3
Defendants have filed a Motion to Strike' 17.1, 17.5, 17.8
and 20.3. The objectionable provisions of Plaintiff's Complaint
provide as follows:
17.1. He operated said vehicle in careless disr~gard
for the rights and safety of others in a manner so as
to endanger other persons and propertY1 . . .
17.5. He failed to observe posted warnings and
limitations placed by the Commonwealth of Pennsylvania
upon the highway, including, but not limited to,
operating hie vehicle at a safe speed1 . . .
17.8. He failed to observe such other obligations and
laws ae may become apparent. . . .
20.3. Defendant Joseph Puchalsky's conduct wae
consciously negligent, careless, dangerous, willful and
deliberate in nature and therefore showed a complete
disregard of and contempt for Plaintiff's rights, the
rules of caution required of a motor vehicle operator
and the laws of the Commonwealth of Pennsylvania.
Defendants allsge that these provisions must be stricken for
failure to conform with Connor and Pa.R.C.P. 1028(a) (2) because
these paragraphs contain insufficient detail to apprise
Defendants of the specific conduct alleged so that they may
prepare a response. Alternatively, Defendants request a more
specific pleading.
4
NO. 96-702 CIVIL ~ERM
Thil Court believes that paragraphs 17.1 and 20.3 are
luffioiently specifio aa to give notice to Defendants of
Plaintiff's claims and sununarize those facts eseelltial to support
the olaim. As for the paragraphs 17.5 and 17.8, Defendants are
correct in their aesertion that paragraph 17.5 is overbroad. The
broad aBBertion of "including but not limited to" ehould be
strioken from paragraph 17.5. Similarly, paragraph 17.8 alleges
broad, boilerplate allegations which do not give notice to
Defendants of Plaintiff's claim or sununarize those facts
essential to support the claim. More specifically, Defendants
should be apprised of what obligations and laws they failed to
observe. Plaintiff has 20 days to amend paragraphs 17.5 and 17.8
so that the facts essential to support the claim are stated in a
more specific form.
B. Demurrer to Count II
In Count II of the complaint, Plaintiff seeks punitive
damages for "groBB negligence." Defendants claim Plaintiff has
failed to state any facts to support a claim for punitive damages
and request this Court to dismiss Count II with prejudice.
Pennsylvania has embraced the approach taken in the
Restatement (Second) of Torts regarding the imposition of
punitive damages and has held that "(p]unitiITe damages may be
awarded for conduct that is outrageous, because of the
defendant's evil motive or his reckless indifference to the
rights of others." Feld v. Merriam, 506 Pa. 383, 395, 485 A.2d
5
NO. 96-702 CIVIL TERM
742, 747 (1984). Punitive damages must be b~sed on conduct which
is malicious, wanton, reckless, willful, or oppressive.
~ at 394, 485 A.2d at 748. According to the Pennsylvania
Supreme Court, "The act, or the failure to act, must be
intentional, reckless or malicious." Ish at 396, 485 A.2d at
748.
Plaintiffs have alleged that as Defendant Joseph Puchalsky
made a left turn, "he accelerated heavily, causing him to lose
control of his vehicle and to swerve to the left lane of Campus
Drive and then swerve back to the right lane . . . and colI ids
into the left rear of Plaintiff's stopped vehicle." Pl.'s
ComDlaint Dara. 10. Plaintiff further alleges that Defendant'a
conduct was in wanton and reckless disregard of Plaintiff. ~
at Dara. 20.
Even taking all of Plaintiff's allegations as true, this
Court does not believe that there are facts sufficient to
establish a claim for punitive damages. This Court cannot
ascertain outrageous conduct resulting from Defendant's evil
motive or his reckless indifference to the rights of others.
This case does not justify the goal of punitive damages which is
to punish. Moreover, because Count II is inherently unsound and
not merely incomplete, there is no reasonable possibility that
amendment can be accomplished successfully. Consequently, Count
II is dismissed with prejudice.
C. Motion to Strike Claims for Non-economic Damages
6
NO. 96-702 CIVIL TERM
Plaintiff'a Complaint asserts claims for both economic 10..
and noneconomic damagep. Defendants have filed a Motion to
Strike Plaintiff's Claims for Non-economic Damages. Defendants'
allege that because Plaintiff fails to plead whether she was
bound by the limited tort or full tort option under Act VI of the
Motor Vehicle Financial Responsibility Law, Plaintiff is
precluded from advancing claims for noneconomic damages. Thus,
Defendants roqueet that this Court strike Plaintiff's claims for
noneconomic damages.
UndeL the Motor Vehicle Financial Responsibility Law, a
person bound by the full tort election remains eligible to seek
compensation for noneconomic loss claimed and economic loss
sustained in a motor vehicle accident. 75 Pa.C.S.A. S1705(c).
Under the limited tort alternative, a person may seek only
economic loss sustained in a motor vehicle accident. 75
Pa.C.S.A. S1705(d). Unless the injury sustained is a serious
injury or meets R specified exception, each person bound by the
limited tort election "shall be precluded from maintaining an
action for any noneconomio loss." ~ Plaintiff has not alleged
serious injury in the present case and does not implicate any of
the specified exceptions.
In CunninQham v. Clarke, 139 P.L.J. 336 (1991), the Court of
Common Pleas of Allegheny County examined the legislative history
of the Motor Vehicle Financial Responsibility Law and determined
that the 1990 amendments must be construed to require a plaintiff
7
NO. 96-702 CIVIL TERM
to eetablish eligibility to seek compensation for noneconomic
loes. The court reaeoned that if a plaintiff does not allege hiB
entitlement to recover noneconomic damages, a defendant will be
required to initiate discovery. ~ at 337. Furthermore, there
will be judicial involvement prior to trial through motions for
Bummary judgment and judgment on the pleadings whenever
information is obtained that a plaintiff is not entitled to
noneconomic damages. I!L. Consequently, "a requirement impoaed
I
~,.1 the defendant to establish that the plaintiff is ineligible to
Beek compensation for noneconomic loaaee would e inconsistent
with the purposes of the legislation of providing for claims to
be resolved in a manner that minimizea litigation expenses." ~
at 338.
Although the Motor Vehicle Financial Responsibility Law does
not specifically require that a plaintiff must plead his
entitlement to noneconomic damages, this Court is in accord with
the court in Cunninaham. A failure to impose this duty on the
plaintiff would render the law meaningless and contravene the
legislature's attempt to limit litigation. For these reasons we
will sustain Defendants' preliminary objection in the nature of a
Motion to Strike Claims for Non-economic Damages because of
Plaintiff's failure to set forth the facts supporting Plaintiff's
claim for pain and suffering. Plaintiff shall have 20 daya to
amend her pleadings to establish eligibility to seek compenaation
for noneconomic loses.
8
NO. 96-702 CIVIL TBRM
AND NOW, thia
ORDER OF COURT
/~ ~ day of March, 1997, after oareful
oonsideration, Defendants' Motion to Strike 17.1 and 20.3 are
DBNIBD. As for paragraphs 17.5 and 17.8, Plaintiff shall have 20
days to amend these provisions so that the facts esaential to
support the claim are stated in a more specific form.
Defendants' Demurrer to Count II is GRANTED and Count II
shall be dismissed with prejudice.
Defendants' Motion to Strike Plaintiff'e Claims for
Noneconomic Damagee is GRANTED and Plaintiff shall have twenty
(20) days to amend her pleadings to establish eligibility to seek
oompensation for noneconomic losses. Otherwise, the noneconomic
claims ahall be stricken from Plaintiff's Complaint.
By the Court,
/s/ Harold E. Sheely
Harold E. Sheely, P.J.
Clifford A,' Rieden, Esquire
For the Plaintiff
Timothy I. Mark, Esquire
For the Defendants
IBId
\ ,
9
.
LAURA L. KOCH
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION
Plaintiff
VB.
JOSEPH D. PUCHALSKYj
CHRISTOPHER MARTINi and
LISA J. PUCHALSKY
DOCKET NO. 96.702 Civil Term
JURY TRIAL DEMANDED
Defendants
FIRST AMENUED COMPLAINT
I. Plaintiff, Laura L. Koch, is an adult individual currently residing at 10 Falrview
Drive, St. Davids, Delaware Counly, Pennsylvania.
2. Defendant Joseph Puchalsky is, upon inlormation and belief, a minor individual
currently residing at Messiah College, Grantham, Cumbcrland County, Pennsylvania.
3. Defendant Christopher Martin is, upon information and belicf, an adult individual
currently residing at Messiah College, Grantham, Cumberland County, Pennsylvania.
4. Defendant Lisa Puchalsky is, upon inlormation and beliel~ an adult individual
currently residing at Messiah College, Grantham, Cumberland County, Pcnnsylvania.
5. On or about November 10, 1994, at approximately 4:54 p.m., PlaintiffLauru L. Koch
was the operator of a 1987 Oldsmobile Cutlass Cicrra, Pennsylvania Registration No., WGR 911
which was stopped ncar the front of the west door of Smith Dorm, Grantham College.
6. On or about Novembcr 10, 1994, the vehiclc Plaintill' Laura L. Koch was driving was
insured by Nationwidc undcr a business automobile insurancc policy. Thc applicable insurance
policy as provided by Nationwide pursuant to subpoena is attached hcrcto as Exhibit "A." The
named insured is a busincss, not an individual or natural person, and thcrcforc, the insured was not
given the option to elect limited tort. Full tort is in effect.
7. On or abo'Jt Nowmber 10, 1994, Dcfcndunt Joscph Puchalsky, wus operating a 1986
Toyota MR-2, Pcnnsylvania Rcgistnllion No. API" 1384. and was attcmpting to muke alet\ tum
onto Campus Drivc from the main cntrunce of Grunlham College.
S On or about Novcmber 10, 1994, the atorementioned vehicle operated by Defendant
Joseph Puehalsky was owned by Defendants Christopher Martin and LisaPuehalsky.
9. On or about November 10, 1994. Defendant Joseph Puchalsky was operating the
aforementioned vehiclc with the full knowledge and permission of Defendants Christopher Martin
and Lisa Puehalsky.
10. On or about Novemher 10, 1994, ut approximately 4:54 p.m. Defendant Joseph
Puchalsky made alell turn onto Campus Drive from the main entrance of Grantham College.
II. As Delendant Puchalsky turned onto Campus Drive he accelerated heavily, causing
him to lose control of his vehicle and to swerve to the lell lane of Campus Drive and then swerve
back to the right lane of Campus Drive and collide into thc let\ rear of Plaintifl's stopped vehicle.
12. Delendant Puchalsky's vehicle impacted Plaintiff's vehicle with such force that
Plaintifl's vehicle was lorccd up onto the sidewalk.
13. Defendant Joseph Puchalsky rcceived a cihllion lor violation of the Pennsylvania
Motor Vehicle Code Section 3361, Driving V chicle at Sale Speed.
14. As a direct and proximate result of Dclendant Joseph Puchalsky's collisil'n with the
vehicle operated by Plaintill', Plaintill. suffered injuries, including postconcussion syndrome with
contusions over the skull and knce, headaches and severe myoligamentous strain of the lumbar
spine.
15. On or about the datc and time indicated, Defendant Joseph Puchalsky operated his
vehicle at a speed greater than was reasonable and prudent under the conditions, and without having
2
regard for the actual and potential haZllrds then existing. and at a speed greater than that which
permitted him to bring his vehicle to a stof' within the ussured c1eur distunce lIhead, which resulted
in his colliding with the vehicle operuted by PllIintiff Koch.
16. As 1I direct and proximllte result of Defendant's conduct, and failures and refusals to
act, Plaintiff Koch sufTered injury. loss of wages, pain and sufTering, medical bills, and such other
damages as may become apparent.
COUNT I
Plaintiff Laura L. Koch vs. Defendant Joseph Puchalsky
NEGLIGENCE
17. Paragraphs I through 16 ure incorporated herein by referenc~ as though fully set
forth.
18. At the date and time aforesaid, the carelessness and negligenc~ of Defendant Joseph
Puchalsky consisted of the following:
18.1 He operated said vehicle in careless disregard for the rights and safety
of others in a manner so as to endanger other persons and property;
18.2 He failed to observe the course of his vehicle's path and the path of
other vehicles;
18.3 He operated said vehicle wi thout a clear view of traffic;
18.4 He failed to mair>tain proper lookout for other traffic;
18.5 He failed to observe posted warnings and limitations placed by the
Commonwealth ofPennsylvunia upon the highwlIY by not operating his vehicle at
a safe speed;
.3
18.6 Hc opcrated his vehicle ut u speed greutcr than wus rcusonublc und
prudent under the conditions lllld without having rcgurd for the uctuul und potentiul
hazards then existing, and alII spccd grcatcr than that which pcrmitted him to bring
his vehicle to a stop within the ussured c1eur distuncc uheud;
18.7 l.Ie did fail to operllte his vehiclc ut a sufc und appropriute speed when
approaching u vehiclc Irom bchind which was stopped;
18,S He tuiled to opcrute his vehicle ut u sute und uppropriute speed when
entering un intersection;
18.9 lie operated his vehiclc at an unsafe speed over lhe 25 mph speed
limit of Messiah College.
19. By reason of thc uforesaid conduct and as a direct and proximate result thereof,
PlaintilTPluintilTKoch sutl'ered multiple injuries, greut pain and sutlcring, wuge loss, medical bills,
and various other infirmities and such other damages us may become apparent.
WHEREFORE, PlaintiO'demands damages, including medical bills, and pain and suffering
from Defendant in excess of $25,000.00 plus costs. Plaintitl'demands ajury trial on all issues triable
by jury.
COUNT II
PlaintilT Laura L. Koch vs. Christopher Martin and Lisa Puchalsky
20. 'Paragraphs 1 through 19 arc incorporatcd hcrein by reference as though fully set forth.
21. Defendant Joseph Puchalsky operated Defendants' Christopher Martin and Lisa
Puchalsky's vehicle with their knowledgc und pcrmission.
4
LAURA L. KOCH,
IN THE COURT OF COMMON PLEAS
OF CUMBERl.AND COUNTY, PA
CIVIL ACTION - LAW
PlointUT
VB.
NO. 96.702 Civil Term
JOSEPH D. PUCHALSKY;
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY,
JURY TRIAL DEMANDED
, Defendants
CERTIFICATE OF SERVICE
AND NOW comes Clifford A. Rieders, Esquire, Attorney lor Plaintiff, and certifies that a
copy of the foregoing First Amended Complaint has been served upon Timothy I. Mark, Esquire,
IUJd Deborah Cavacini, Esquire CALDWELL & KEARNS, 3631 North Front Street, Harrisburg, PA
17110 this .'1] Ir day of (Yla y'(i~^ I 1997, by first-class mail, postage pre.paid.
RIEDERS, TRAVIS, MUSSINA,
HUMPHREY & HARRIS
N
Clifford A. Rieders sire
Attorney lor Plaintiff
I.D. No. 20962
161 West Third Street
P.O. Dox 215
Willlamsport, PA 17703
(717) 323.8711
'.. 'I,
"
, '
~'.. ,,1~'I' ,.,~, "'., II' 0./", ,,,
,-}
,."''',", ,.
J.
'"
",
,
H ';
,,'
!;
"
,j
,
" '
H
"
"
,
,
,
"
,:,
p
!I,.' i
, ,
,
, i
Ii' i('
,
,
.
, ,
"
;"i'
/,
fJ
',I,
, I "
, , ,
)
P
:I , ,i'
, ,
, ,
, ,
"
,
I',
i\
"
,;-,
'i,' '"
"
,
"
,
"
rl
)
'I
"
"
i)'
"
'"
Ii
'I
ilj
'i!
",
,
~ I
,\'
" t
"
'il
, ,
"
II
.'
-\
',.\
".,
,
,
I
"
, '
'I
',<
I,
i;
IldlIIIIt A
'\
~. NATIONWIDE
'iJ t~,~M~e~~,"~
BLANKET PROTECTOR
COMMON DECLARATIONS
ISSUED BY NATIONWIDE MU!~~I.J"f',E !N.SURANCE COMPANY
Policy Number RENEWAL
58 BA 234.579.0002
Named Insured
Mailing Address PETER B KOCH
DBA THE OLD JAil (;~NTEA
255 WHIPPOORWill LANE
I.~OGAN STATION PA 17728 .J
POLICY PERIOD From APRIL 1. 1994 to t-~L~L_
12:01 A.M. Standarifi'friie at your malflng address,
Form of Business: SOLE PROPRIETORSHIP
Description of Business: CRAFT ART DISPLA~S
IN RETURN FOR THE PAYMEI,n OF THE PREMIUM. AND SUBJECT TO ALL THE TERMS OF THIS POLICY. WE
'AGREE TO PROVIDE YOU WITH THE INSURANCE AS STATED IN THIS POLICY.
This poliCY consists of the coverages Indicated as included.. The premium may be subject tu adjustment.
Not Included
~
:&I
:&I
:&I
IKJ
o
:&I
:&I
Included
Commercial Property Coverage ...,.,....".... ,., ........"..".........,.....,..,.....,.....,...,..,.,.."......,.......,...............,....,........,......0
Commercial General Liability Coverage.,...............,....,......,......,..............,....................,...........,..,......................0
Commercial Crime Coverage..,.......,..............., ...,...,.....".........,......,.............,..............,..........,..................,................... 0
,
Mechanical. Electrical and Pressure Equipment Coverage ..,..,.....................................,..,.........,............. 0
Commercial I nland Marine Coverage "."""",..,.,...,....,..",...................,....,...........,.....................................,............, 0
Commercial Auto Coverage ",.,..".,........,........,..". .,..,...,....,.."..,...,....,........,.........................................,...................,...., :&I
Ga r age Coverage ... ...,..........,...... .........,....,........,......,....,........,.....,.... ..,............................................................................... 0
Farm Coverage .........,.......................,...............,...........................,.......................,.....................,.,. ........,..,.....,..................., 0
Othe r Coverage s ...., ........ .,..,.. ,.,.......... ,............"...... ..,......., ,...............,....,.................., .......................,.......,.....................,... 0
Total Advance Premium S 4,279.00 Premium Payable at Inception S 4,279.00
In the event of cancellation by you, we shail receive and retain not less than S 100 as the minimum premium,
IF THE DECLARATIONS ATTACHED TO THIS POLICY SHOW COLLISION COVERAGE APPLIES TO HIRED
AUTO; THERE IS ALSO COLLISION COVERAGE FOR DAMAGE TO A RENTED AUTO. COVERAGE IS
SUBJECT TO CONDITIONS AND LIMITATIONS LISTED IN THE POLICY AND ITS ATTACHED
ENDORSEMENTS.
BASED UPON INFORMATION AND BELIEF, THIS IS A TRUE AND CORRECT COPY OF
THE POLICY FOR POLICY NO. 5BBA-234-579-0002 AS OF NOVEMBER 10. 1994.
Forms In common to all coverage:
Dale of Issue: 02.25.94
Countersignature Dale: 02;25,!H-------
Cas. 3200-A (1.87)
PO. BOX 2e55
Issuing OHlce: IiABBISBURG PA 17105
Agency At: WILWAMSPORT PA 17701
Agent ~ YNP.ON_l,,:J!YRKEY
000751'.37
,-
at
~. NATIONWIDE
U '.~,~Y,~~~~.~
BLANKET PROTECTOR
BUSINESS AUTO COVERAGE FORM DECLARATIONS
ISSUED BY NATIONWiDE MUTUAL FIRE INSURANCE COMPANY
ITEM ONE
POLICY PERIOD: From ~PRIL 1. I 9~_
12.01 A IJ 5la,oa'o Tim. al ,cur rn.,I"i .00"SG
ITEM WIO SCHE~WLE ~F CQVEO}GES '~D C0VEoED AUTOS
ThiS polley pro, Ides only tMIe cO'OI8ies whtrt a charoe 's shown in the pllmlum ,olumn t.ION, Ea,h 01 these ,o'ltfaon will a>p1y only to thole
'Iutos' shown IS cOVlreo 'IIJIOS: 'AIJIW are sho.n as ,0'lrld 'alJlC5' for a _anlCular 'O/6la;1 by th. .ntr/ of co. cr mere 01 ~~. symbols !rom thl
Policy Number RENEWAL
56 8A 2~4.579.0002
10 APRIL 1. 1995
at
COVERED AUTO Stollon ollh. Bu.lness t.1JI0 Coveraoe Form ne,t to th. name 01 the co",eoe,
IE'tl) 01 o~~~rt~o~~-~~JIO~ymbOlllrom LIMIT
COVERAGES thl COVEREO AlITOS S..lIon ollhl THE MOST WE WILL PAY FOR ANY ONE PREMIUM
IuIlnuI Aut, CO","gI Form Ih.~WI ACCIOENT OR LOSS
whlch Iulol Ir. covlfld lUlU
L1A61L1lY 7.1.9 AS SHOWN ON THE AUTO SCHEDULE S 3048
SEPARATEL) STATED IN EACH PIP ENDORSE.
PERSONAL INJURY PROTECTION MENT MINUS THE D.d. AS SHOWN ON THE
(or equivalent No.Fau~ coverace) 7 AUTO SCHEDULE S 98
ADDED PERSONAL INJURY SEPARATELY STATED IN EACH ADDED PIP
PROTECTION (or 'Qul,alent added ENDORSEMENT OR AS SHOWN ON THE AUTO
No-Fau~ co,"aie) 7 SCHEDULE S 190
.-
SEPARATELY STATED IN THE PP.L ENDORSE.
PROPERlY PROTECTION MENT MINUS THE Oed. (AS SHOWN ON THE
INSURANCE (Mlohloen only) AUTO SCHEDULE) FOR EACH ACCIDENT S
AUTO MEDICAL PAYMENTS AS SHOWN ON THE AUTO SCHEDULE S
UNINSURED MOTORtSTS 7 AS SHOWN ON THE AUTO SCHEDULE S 29
UNDER INSURED MOTORISTS
(When notln,luded In Uninsured
Motorlsls CO''''ie) 7 AS SHOWN ON THE AUTO SCHEDULE S 14
ACTUAL CASH VALUE OR COST OF REPAIR.
WHICHEVER is LESS MINUS THE Oed. (AS
SHOWN ON lHE AUTO SCHEDULE) FOR EACH
COVERED AUTO. BUT NO DEDUCTIBLE AP.
PHYSICAL DAMAGE PLIES TO LOSS CAUSED BY FIRE OR LIGHT.
NING. See ITEM FOUR \01 Ihe Supplementary
COMPREHENSIVE COVERAGE 7 D.,larat,onsi for hrr.d or borrow.d 'alJl05' S 224
ACTIJAL CASH VALUE OR COST OF
REPAIR WHICHEVER IS LESS MINUS 125 Oed
FOR EACH COVERED AUTO FOR LOSS CAUSED
PHYSICAL DAMAGE SPECIFIED BY MISCHIEF OR VANDALISM. See ITEM FOUR
CAUSES OF LOSS COVERAGE (of the Supplementary Declarations) for hired or S
borrowed "autos:
ACTUAL CASH VALUE OR COST OF REPAIR,
WHICHEVER IS LESS IJINUS THE O.d, (AS
SHOWN ON THE AUTO SCHEDULE) FOR EACH
PHYSICAL DAMAGE COLLISION COVER5D AUTO. See iTEM FOUR (of Ihe
Supplementary Declarallons) lor hired or
COVERAGE 7 borrowed .aUlo: S 527
PHYSICAL DAMAGE
TOWING AND LABOR S for each disablem.nt 01 a private
(Not Available in California) pastlno" eUlo 1
, PREMIUM FOR ENDORSEMENTS 1 149.00
SURCHARGES, T AXES. ETC. $
ESTIMATED TOTAL PREMIUM $ ~279.00
-
, SEE HIDORSEMENTS fOR COVERAGES
iNCLUDED IN THIS PREMIUM
Page I of ~
Auto 6651.6
)
POLICYHOLDER MEMBERSHIP IN THE COMPANY
(Applicable only In lroe No1I10nl'tl<Je r\~U1Uollln~u'Jll'e Compl.ny 01 the
Natlonwl~a Mu1ual III.,n5u..n" ~OI11,.n, In ~II 51.10$ (,0.",1 Thes. 5[.,"1".11, F""d,d Ferl
Bacauuthll polley II luuad by I mu1ual,nluranc. company. '0"
ar. . m.mbar olth. company whlla thi. or an, olher policy il in
lorce, Whll.. m.mber you are enlnl.d to on. vele only. tnher In
ptraon or by proxy. a\ mlllln~s 01 thl company, You are .ntnl.d 10
any dlvld.nds which are declar.d by the Board 01 Dlr.ctors and art
.ppllcabla to cOVllagas In your polley.
Thl Innual mll'lng 01 mamb.rs 01 Ihl company "suing your pel icy
\thl compan, is indlcal.d on It,s Oiclarallons ,aiel ,.111 :e held at
Iha Natlonwld. Plall In Columbus. Ohio, on the IIrsl Thursday 01
April. iha lIma 01 Iha meeting for Ihl Natlonwldl MuMI Fire
Insuranct Company Is 930 A.M. and thltlm. of thl me.tlng lor Iha
Nallonw,d. Mu1uallnluranca Company II 10,00 A,M. WI will mall
notlca 01 any changl In mlltlng dallS. tlml or placa to you at your
address last known to us al I..alltn days prior 10 tha rllch.dul.d
mlltlng datt.
This pOlICY is non.assusabl., meaning Ihat ,au are nol subjlCllo
any .~m~ment :eyond the ~remiuml w. r.quire lor mh polley
'Irm,
IN WITNESS WHEREOF: Natlonwld. Mutu.llnsuranca Comp.ny. Natlonwldl Mutu.1 Fire Insursnce Company or Natlonwld. Proptl1y snd ClIually
Inaultnc. Company. whlchsvtr Is the Issuing company as dtslgnatld on thl O.claratlons, has Cluud this polley to be slgn.d by III Presldant and
S.crlllty II Columbul, Ohio. and counttrSlgnld by a duly au1horllld reprmnllllve 01 thl company.
ATTEST:
~ C...."." ~
5"'".'1
~~
, ,
"
"
, i'
, '
II I
, I
"
,,'
'II
1'1
"
, '
'I
"
,
"
I'
,,, ,
, ,
Auto 8651.B
Page 3 of 3
ey I\e Dale AFRIL ,. 1994
PC'llcy Number 58 SA 234., 'C02
~ t;~~~~~~
AUTO SCHEDULE
-- -."' . -,- -,.- ...-' -_...-- --
VEHICLE ENTRY NUMBER 002 003
YEARiMAKEiMO~-- 85 FORO F150 83 DODG ARIES SVI
VEHICLE IDENTIfiCATION NUMEER lPTCR1084FUA75277 1B3BD49C7DF200072
ORIGINAL COST l'iEI'I $ 14,000 S 7,000
TERRITORY CODEITERMINAL ZONE 053 000 053 000
L1AB, CLASS COOE,PHYS 0 CLASS CCOE 01199 01199 13010 13010
STATED AMOUNT VALUE
GARAGING ADDRESS PENNSYL VANIA PENNSYLVANIA
Limns Pllmlum -Limits ~j.riilum
LIABILITY COVERAGES
COMBINED SINGLE LIMIT S 1,000,000 S 572 S 1,000,000 S 666
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
, ",y COVERAGE
COMBINED SINGLE LIMIT S 35,000 S 5 S 35,000 S 6
SPLIT LIMIT - BI EACH pF.PSON
6\ EACH ACCIDENT
PO EACH ACCIDENT
-
UNDERINSURED MOTORISTS COVERAGE
COMBINED SINGLE LIMIT S 35,000 $ 2 S 35,000 $ 3
SPLIT LIMIT - 6\ EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
NO.FAUL T COVERAGE
BASIC . SEE ENDORSEM~.NT $ 12 $ 31
ADDED . SEE ENDORSEMENT $ 38 $ 38
.
NO.FAUL T COVERAGE (PPI)
SEE ENDORSEMENT FOR LIMIT
MEDICAL PAYMENTS COVERAGE
COMPREHENSIVE COVERAGE OED OED
COLLISION COVERAGE OED OED
TOT AL PREMIUM PER VEHICLE $ 629 $ 744
.
The Insurance afforded is only wnh re5~ect to ~uch and ~o many 01 the
following coveraQe5 as are indicated lly specrtic premium cr,aroe~,
l'""'i'-;;;Ig -~-FI" Olf'-.': 'o~n'" ' ~i
; ----K(fC --c.O('i0\5----'041'---1l53----,
Page 1
01 3
Auto 9017
,.,' .'
'.
Policy Numcer ~a BA 21.H79 00
EHQCllv 'lIe APRil. 1
o r~iy'O~N~~~~~
AUTO SCHEDULE
The Insurante aHorded IS only w~h respect to such and so many ot the
followlnQ coverages as are 1f1dlcated by spec~ic premium charges
~tO : Fg~8IAI. 'CJ
VEHICLE ENTRY NUM8ER 004 005
-
YEAR/MAKE.MOOEL 93 DOOG MAXI VAN 89 DODG
VEHICLE IDENTIFICATION NUMEER 2B7HB21Y8PK502082 lB4FK4436K'
ORIGINAL COST NEW $ 15,001 $ 15,001
TERRITORY COOE,TEP.MINAL ZONE 053 000 053
--
LIAB. CLASS CODU'HYS D CLASS CODE 01199 01199 01199
STATED AMOUNT VALUE
GARAGING ADDRESS PENNSYLVANIA PENNSYL VAt.
Imn. Prtm um Limns
LIABILIT'r' COVERAGES
COMBINED SINGLE LIMIT $ 1,000,000 $ 572 $ 1,OOO,00r
SPLIT LIMIT - 81 EACH PERSON
81 EACH ACCIDENT
PD EACH ACCIDENT
COMBINED SINGLE LIMIT $ 35,000 $ 6 $ 35,oor
S~L1T LIMIT - 81 EACH PERSON
81 EACH ACCIDENT
PO ~ACH ACCIDENT
UNDER INSURED MOTORISTS COVERAGE
COMBINED SINGLE LIMIT $ 35,000 $ 3 $ 35,OOC
SPLIT LIMIT - 81 EACH PERSON
81 EACH ACCIDENT
PO EACH ACCIDENT
NO.FAUL T COVERAGE
BASIC - SEE ENDORSEMENT $ 12
ADDED . SEE ENDORSEMENT $ 36
NO.FAUL T COVERAGE iPPI)
SEE ENDORSEMENT FOR LIMIT
MEDICAL PAYMENTS COVERAGE
COMPREHENSIVE COVERAGE NO OED $ 135 NO OED
COLLISION COVERAGE $ 100 OED $ 320 $ 100 OED
,
TOTAL PREMIUM PER VEHICLE --
$ 1,086
Auto 9017
1
Er ,',e Catu ,AFRll' 1,,4
Polley Number :8 SA 23H' ,,:N
~. NATIONWIDE
U '.~,~M~~~R.~
AUTO SCHEDULE
The Insurance afforded Is only wrth resrect to such and so many 01 the
following coverages as are indicated by <pec~ic premium charges
~--~'d:O=_~!g~gioL -'.. - Cb!~ti'.- ~_:- -}!~ '
. .--- --- -
VEHICLE ENTRY NUMBER 006
YEAR/MAKE/MODEL 117 OlDS CUTLASS
VEHICLE IDENTIFICATION NUI~8ER 2G3AM5 H/2H9336016
ORIGINAL COST r~EW S 10,000
TERRITORY CODE/TERMINAL ZONE 053 000
L1AB CLASS f,DDE/PHYS 0, CLASS CGOE 13010 13010
STATED AMOUNT VALUE
GARAGING ADDRESS PENNSYLVANIA
Limns Premium Ilm~. prsmlum
LIABILITY COVERAGES ,
COMBINED SINGLE LIMIT $ 1,000,000 $ 666
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
UNINSURED MOTORISTS COVERAGE
COMBINED SINGLE LIMIT $ 35,000 $ 6
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
UNOERINSURED MOTORISTS COVERAGE
COMBINED SINGLE LIMIT $ 35,000 $ 3
SPLIT LIMIT -- BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
NO.FAUL T COVERAGE
BASIC . SEE ENDORSEMENT $ 31
ADDED - SEE ENDORSEMENT $ 38
NO.FAUL T COVERAGE (PPI)
SEE ENDORSEMENT FOR LIMIT
MEDICAL PAYMENTS COVERAGE
COMPREHENSIVE COVERAGE OED OED
COLLISION COVERAGE OED OED
,
,
TOTAL PREMIUM PER VEHICLE S 744
Auto 9017
Page 3 01 3
.
POLICY NUI.IEER :8 SA 2, i9.0002 COMMERCIAL AUTO
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
PENNSYLVANIA BASIC FIRST PARTY BENEFIT
For a covered "aUla" licensed or principally garagad In, or "garage op~retlons" conducted In. Pennsylvenla. this
endorsement modilles insurance provided under the following;
BUSINESS AUTO COVERAGE FORM
GARAGE COVERAGE FORM
TRUCKERS COVERAGE FORM
This endorsement changes the polley affective on the Inception date 01 the policy unless another date Is Indicated
below:
Named Insured Endorsement effective
PETER B KOCH
Countersigned by
(Authorized Representative)
SCHEDULE
Benefits
Limit of Lleblllty
(per Insured)
Up to 55.000
Medical Expenses Benefits
(If no entry appears above. Information required to complete this endorsement will be shown In the Oeclaratlons as
applicable to this endorsement),
A. COVERAGE
BENEFITS
"bodily Injury," If within 18 months from the date of
the "accident" causing "bodily inJury" It Is ascertain.
able with reasonable medical probability that further
expenses may be Incurred as a result of the "bodily
injury." medical expenses will be paid withoU1l1ml.
latlon as to the time such further expenses are
incurred,
We will pay the Basic First Party Benefit In accor.
dance with Ihe "Act" to or for an "Insured" who
sustains "bodily inJury" caused by an "accident"
arising out of the maintenance or use of an "auto."
Subject to the limit shown in the Schedule ur
Declarations, the Basic First Perty Benefit consists
of Medical Expense Benefits, These benefits con.
slst of reasonable and necessary medlcel ex.
penses Incurred for an "Insured's";
1. care;
2, recovery; or
3. rehabilitation.
B. WHO IS AN INSURED
I, You,
2. If you are an Individual. any "family member,"
3, Any person while "occupying" a covered
"auto,"
This Includes remedial care and Ireatment ren.
dered in accordance with a recognized religious
method of healing,
Medical expenses will be paid ij Incurred within 18
months from the dale of the "accident" causing
4. Any person while not"occupying" an "auto" If
Injured as a result of an "accident" In pannsyl.
vania Involving a covered "auto,"
If, covered "auto" is parked and unoccupied.
It Is not an "auto" Involved In an "accident"
unless It was parked In a manner as to create
an unreasonable risk of Injury,
CA 22 37 t 292
Copy rig hi Insurance Services OHlce, Inc.. 1992
Page t of 3
C EXCLUSIONS
We will not pay First Party Benetlts lor ~oally
injury":
1. Sustained by any person Inlured while Inten-
1I0nallycauslng or allempting to caun Injury to
himself or herself or any other person.
2, Sustained by any person while commlnlng a
felony.
3 Sustained by any person v.hlle seeking to
elude la'^1ul apprehenSion or arrest by ala...
enforcement oHlcla!.
4, Sustained by any person ",hlle maintaining or
using an "auto" knowingly convened by that
person. However, this exclusion does nOl
apply to:
a. You; or
b. Any "family member."
5. Sustained by any person who. at the time of
the "accident";
a. Is the owner of one or more currently
registered "autos" and none of those
"autos" 15 covered by the flnanclel respon.
slblllty required by the "Act"; or
b. Is "occupying" an "auto" owned by that
person for which the financial responslbll.
Ity required by the 'Act' is not In eHect.
6. Sustained by ~ny person maintaining or using
an "auto" while located for use as a residence
or premises.
7. Sustained by a pedestrian If the "accident"
occurs outside of Pennsylvania. This exclu.
slon does not apply to:
a. You; or
b. Any "family member.'
8. Sustained by any person while "occupying";
a. A recreational vehicle designed for use oH
public roads; or
b. A motorcycle. moped or similar type
vehicle,
9. Caused by or as a consequence of:
a. Discharge of a nuclear weapon (even if
accidental) ;
b. War (declared or undeclared);
c. Civil war;
d, Insurrection; or
Paga 2 01 3
e, Rebellion or revolution
to, From or as a consequence of (I',e !ollo:''''1l
whether corllrolled or uncolltrolled or ho...e,er
caused:
a. Nuclear reaction:
b, Radiation; or
c, Radloactlva contamination.
D. LIMIT OF It!SURANCE
1, Regardless Of the number of cover eo autos,
premiums paid, claims made, "autos" In.
volved In the" accident" or Insurers providing
First Party Benefits, the most we Will pay to or
lor an "Insured" as the result of any on. "ac.
cldent" Is Ihe limit shown in the Schedule or in
tho Declarations.
2. Any amount payable under First Party Bene.
filS shall be excess over any sums paid. pay..
able or required to be provided under any
workers' compensation law or similar law,
E. CHANGES IN CONDITIONS
The CONDITIONS pr~ changed for FIRST PARTY
BENEFITS as follows:
.
1. TRANSFER OF RIGHTS OF RECOVERY
AGAINST OTHERS TO US doas nol apply.
2. The following CONDITIONS ara added:
NON-DUPLICATION OF BENEFITS
No person may recover duplicate benefits for
the same expenses or loss under this or any
other similar automobile coverAge Including
self.lnsurance.
PRIORITIES OF POLICIES
We will pay First Party Blineflts in accordance
with the order of priority set forth by the "Act,"
We will not pay If there is another insurer at a
higher level of priority. The "First" category
listed below Is the highest level of priority and
Ihe "Fourth" category listed below is the lowest
level 01 priority, ThJ priority order is:
First The insurer providing benefits to the
"Insured' as a named Insured,
Second The insurer providing benefits to the
"Insured" as a "family member" who
is not a named Insured under another
policy providing coverage under the
.'Act,"
Third The Insurer 01 the "auto" which the
Copyright. Iflsurance Services Office. Inc. 1992
CA 22 37 12 92
"Insured" Is occupying atlhe\lme 01
the' acolde nt..
Founh Th,lnsurer providing benefits on any
"lutO" Involved In the "accident' ,Ithe
"Insured" Is:
a. Not "OCCupying" an "auto"; and
b. Not provided First Pany BenefllS under
Iny other policy.
If \WO or more policies have equal priority
wltnln thl highest appliceble number il1 the
priority order:
I. The Insurer against who", the claim Is first
m,de shall process and pay the claim as
~ wholly responsible; .
2. If we are the Insurer egalnst whom the
claim Is first made. our payment to or for
an "Insured" 10'1111 not exceed the applicable
IIm~ shown In'the Schedule for Declara-
tions;
3. The Insurer thereafter Is entitled to recover
pro rata contribution from any other In.
surer for the benefits paid and the costs of
processing the claim, If contribution Is
sought among Insurers under !tie Founh
prlorliy. proration shall be based on the
number of Involved motor vehicles; and
4. Th' maximum recovery under all policies
shall not exceed the amount payable
"
, '
,
, ,
under 1I1e pol,Cl 1.,111 the highest dollar
IImlls 01 bene11ts
F. ADDITIONAL DEFINITIONS
I. The definition 01 "auto" In the DEFINITIONS
Section Is replaced by the following:
"Auto" means a sell.propelled motor vehicle
operated or designed lor use on public roads,
However,' aUlo. does not Include IS vehicle
operated:
a, By muscular power; or
b. On rails or tracks
2. The following are added to the DEFINITIONS
Section:
a. The "Act" means the Pennsylvania Motor
Vehicle Financial Responsibility Law,
b. "Family member" means a resident of
your household who Is:
(I) Related to you by blood. marriage or
adoption: or
(2) A minor In your custody or In the cus-
tody of any other "family member."
c. "Occupying" means In, upon. getting In.
on, out or off.
, ,
"
CA 22 37 '2 92
Copyright. Insurance Services Office. Inc.. 1992
Page 3 of 3
A COVERAGE member' W11I1I11.4 11l0l1thi 1r0l11tht ..
'Ql
We will pay Added FII,t F.,ly El",-,cI,l~ or (en,I:1 "accident' '11
nation Fllst Farty Banal,tG ,I) accorcnl1cO ,'.'111 tho B. EXCLUSIONS
'Act" up to the limits stated In the Schedule or
Declarations to or lor an "Insured" who sustains In addition to thO e~c"~~'cn5 In lI'e Basi
"bodily Injury" caused by en "accident" and arls. Benefit endorsemem, tl,e follov,lng e>
Ing out of the maintenance or use 01 an Auto' We applies.
will only pay Combination F"st Party Benefits lor We Will not pay:
e~pens85 or loss Incurred within 3 y~"~ from the
date of the' accident. ' Accidental Death Benefits on behalf of any person
In addition to the Medical Expen~e Bel1ehls de. who Intentionally caused or attampted to cause
scribed In Ihe Basic First Farty Benefit endcrse. 'bodily injury' to "'IT'self, herself or any other
ment. Added First Party Benefits and Coml:1lnallon person.
First Party Benefits also consist 01. C. LIMIT OF INSURANCE
, Work Lcss Benefits consisting of 1. Regardless of the number of covered "autos.'
a. Loss of Income Up to 80'10 of the gross premiums paid, claims made. "autcs" In-
Income actlJally lost by an "Insured." volved In the "accident" or Insurers providing
First Party Benefits, the most we ",ill pay to or
b. Reasonable expenses actually Incurred to for an "Insured" as the result of anyone "accl.
reduce loss of Income by hiring: dent" Is the limit shown In the Schedule or the
(1) Special help. thereby enabling the In. Declarations Combination First Party Benefits
sured' to work: or are subject to a ma~lmum total slngla limit of
liability with Individual limits for speCific bene-
(2) A ..;:.tltute to perform thrr work a fits as shown in the Schedule or Declarations.
self-employed "Insured" would ~ave 2. It Combination First Party Benefits are af-
parformed, forded. we will make avallabla at least the
However. Work Loss Benefits do not Irtclude: minimum limit required bv the "Act" for the
a. loss of expected Income for eny period Basic First Party Benefit. This provision will not
following the death of an "Insured"; or change our total limit of liability.
b. expenses Incurred for services performed D. CHANGES IN CONDITIONS
following the death of an "insured"; or In addition to the CONDITIONS applicable to the
c. any loss of Income, or expenses Incurred Basic First Party Benefit endorsement. the follow-
lor services penormed. during the first 5 Ing CONDITION also applies:
working days the "insured" did not work PAYMENT OF ACCIDENTAL DEATH BENEFITS
after the "accident" because of the "bodily
Injury." The Accidental Death Benefit under this polley will
2. Funeral Expense Benefits. Actual e~penses be paid to the executor or administrator of the
deceased "insured's" estate, If there 15 no e~eCUlor
Incurred for an "Insured's" funeral or burial If or administrator, benefits shall be paid to:
"bodily Injury" resulting from the "accident"
causes his or her death within 24 months from 1. The deceased "insured's" surviving spouse: or
the date of the" accident." 2. If there is no surviving spouse, the deceased
3. Accidental Death Benefits. A death benefit "Insured's" surviving children: or
paid if "bodily Injury" resulting from an 'accl- 3. If there Is no surviving spouse or surviving
dent" causes the death of you or any "famlly children. the deceased "Insured's" estate.
Page 2 of 2
Copyright, Insurance Services Cttlce, Inc.. 1990
CA 22 38 07 90
1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
LOSS PAYABLE CLAUSE
This endorsement modlfln Insurance pro~lded under the following:
BUSINESS AUTO COVERAGE FORM
GARAGE COVERAGE FORM
TRUCKERS COVERAGE FORM
A, We will pay you and the loss payee namad In the polley tor loss to a covered auto. as Interest may appear.
B, The Insurance co~ers the Inlerest of the loss payee unless the loss results from conversion. secretion or
embezzlement on your part. .
C. We may cancel the polley as allowed by the CANCELLATION Common Polley Condition,
Cancellation ends this agreement as to the loss payee's Interest. II ':, cancelth. polley we will mall you and
the loss payee the same advance not lea.
D. II we make any payment to the loss payee. we will obtain their rights against any other party,
: ~J-:okl
ErIry I VI. at
No, Ii Votlt.1t
I COY...IOII
i Spec. \rr- I T
,pm:\ ,~
,$25 I A comp, f
\ Old. I E Old. i T Col. Old,
NONE 100
Body TYPI
Idll1ll~1Ilon
N..ooer
EnlCllYI Oil. U.n
Oil. 01 lJIn EJipIr.,
112-09.93 12-09-9B
004 193
DODa MAXI VAN
2B7HB21YBPK5020B2
loss pay.e Name and Address
, NORTHERN CENTRAL BANK
102 W 4TH STREET
WllllAMSPORT PA 17701
Attached to and lormlng part
of polley number: 58 BA 234.579-0002
EFFECTIVE DATE OF lIEN(S): From the etlectlve date of
lien. shown above. to the date the lien expires. as shown
above. at 12:01 A,M. at the address of the named 1i1sured.
.J
ThiS ,ndQfllm,nt il u.,cuttd by thl Natlonwldt MuNal
In.urlnc. CQm~lny, the NationwIde Mutual Fir. Inluranc.
Company or tn. Nationwld. F'rop.rty and CUUIlty Inlurane.
Company If IIld company 1'1.. Issu.d 11'1. pOliCY 10 which thil
.ndorllm.fl111Inlchld.
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY
COLUMBUS OH
Issued to: Named Insured Name and Address
~Q'h1(GT1l_ j}1d,ut~
StUfrl,') ',-1/""''''
.Authorlz.d ~.pr...nll'lv.
LYNDON L, BURKEY
000751 I .37 58.55.26
PETER B KOCH
DBA THE OLD JAil CENTER
255 WHIPPOORWill LANE
COGAN STATION PA 17728
-,'
Includes copyrighted Material of Insurance Services OHlce, with Its permission.
COPYright. Insurance Services OHlce, , 985
Ccunt."igr.d .,'
WILllAMSPORT PA 17701
Auto 871e.A
(1.90)
>I
1 , , 'I
I "
(\=, tll ;,~:
Lf'i; ~ " ,
t" ('~ "i>~' ,
,.-:;, ) oc"
~i:' ''::, ,1,:11.: ,
"',f, ,;1-. '~'J ,
i rl::..,
"I'. ';~
' ( ~ ,;')
fl' - "
"r L 'j :1
' r"j. ~.- ,
1:.,i 'Ii' ,r). , ,
:..:. ". "
, I' ,I...
, "I
" r- ()
(,) ':1'
, ,
,I
,
"
"
, ,
i'
,
,
"
to"~
"
'"
.,
!1
;1'
,-.'
.,
'Ii.
"
""
".
"
"I,",
"
l/) .
Z 0 ~
It j: <(
~ ~ -J
... . ....
· g C
.A U 1/1
.... " >-
.J ~ w
.,J 0 z
1Il .;; II:
~ . 0
Q ~ ~
.,J . <(
<( ~
o
Q
E
~ ~
" Z
. .
.. >
· oJ
~ ~
o z
· z
c '"
r II.
.. .
· C)
~ cr.
:;)
.. III
~ III
" it
rr
.
J:
7. Admitted, with the exception that the college is properly identified I\Il Mess~ah College.
B. Admitted, with the exception that the owners of the vehicle are properly identified as
Christopher Martin Puchalsky and Usa J, Sechrist
9. Admitte<t: with the exception that the owners of the vehicle are properly identified as
Christopher Martin Puchalsky and Lisa J. Sechrist
10. Admitted.
II. Denied in accordance with Pa, R,C.P, 1029(e),
12, Denied in accordance with Pa. R,C.P. I029(e), but it is admitted that the Plaintiffs'
vehicle was partially on the sidewalk
13, Admitted, although it is averred that the allegations contained in paragraph 13. are
irrelevant and inadmissable at trial.
14. Denied in accordance with Pa. R.C.P. I029(e),
15. Denied in accordance with Pa, R.C.P, I029(e),
16, Denied in accordance with Pa. R,C.P. 1029(e)
COUNT I
Plaintiff l"aura L Koch vs Deftmdant Joseph Puchalsky
17, No. response required.
18.1.18.9, Denied in accordance with Pa, R.C,P, I029(e).
19. Denied in accordance with Pa, R,C.P, 1029(e).
VERIFICATION
I, 10seph D. Puchalsky, verilY that the information in the foregoing document is true and correct.
I understand that false statements herein are made subject to the penalties of 18 Pa. C.S. ~904,
relating to unsworn falsification to authorities,
BY;:,:~r! j':t~"
. J ~phD. Pucllalsky .'
Dated: ~ IZ'
?6>oI7SU61 'I
1997,
, ,
, ,
,
,
,
";1
,
,
"
" ,
,
,
P,
"
,',
, "
,
,
"
"'I
,
,.
, '
"
"
,
"
!, ;
"
"
I',
" '
,\
'I,'
"~I
"
Ii
, ,
;iI',
"
"
"i'
"
I,
, '
",
, '
,
I. I
,
, '
VERIFICATION
I, Lisa J. Sechrist, verilY that the information in the foregoing document Is true and correct. I
understand that flIIse statements herein are made subject to the penaltills of 18 Pa, C.S. 4904, relating
to unsworn f1dslfication to authorities,
By:
-k~
Lisa J. echrlst
"
-
Dated: 1\..^~ L"), ,r~97
9600+7m6~'
"
;I.
"
,"
"
"
"
.,
"
!I
_I i)
i,
,
'I
"
1.1
(I
,Ii
"
,
1j
.,
,
"
\1
>
:r
Ii
" ,
I, "
'I
, !
"
, ,
,.),
, .
',;
,.
"
"
"
"
.,
,
,
I'
.,
CB~TIFICATB OF SBRVICB
I\AUAj
5llrved a copy of the within document on the following by depositing a true and correct copy of Ihe
,AND NOW. this
I'; , day of
,
, 1997, I hereby certitY that I have
stlme in the U.S, Mail at Harrisburg, Pennsylvania, postage prepaid, addressed to:
Clifford A. Rieders, Esquire
161 West Third Street
P.O. Box 215
WiIliamsport, P A 17703
CALDWELL & KEARNS
"
"
(I
'"
"
d
" I
96-17" 16614
. ,
, "
I,
,/
"
,
,
,
"
,
,
,
, '
"
';
"
II,
I.,
OJ
,
,
'I',
.,.'.i
"
, .1
, ,
'il , 1 ,
" ,
./
1 "
, ,
Ji
, , '.
II I" \ I
I,,'
'i,
, >I
Ii,
., "
....
t..
."
i,
lU' ,
()',
\'1.:\1
~(~,
(_l"
1,1'
".J
D
":;1
"':1
..
~,
....
~;:
,..
I'
'f,..)
.
...':1'
I
,r
LI,'
....
,-
r:r
"
"
)1
,
;/,
,
I,
,
"
.,'
.,
I'j
..(,
;I~'~ .1
- ',--.1
.\'::1'
.I,(:';'l.
\";.i.. -)'
P, !.{Y-I
\\;1'1:]
Ij,_l..t I
",.; t
IIL/' ,.
,,---'j
< ~J '
,
ii
, ,
,11,t
".1
"
"
'I
'-I
i'l
"
, ,
,.
"
.'j'
"
.'
iI,
,
LAURA L, KOCH,
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
CIVIL ACTION. LAW
~laintilT
vs.
NO, 96.702 Civil Term
JOSEPH D. PUCHALSKYj
, CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY,
JURY TRIAL DEMANDED
Defendants
PLAINTIFF'S RESPONSE TO DEFENDANTS' NEW MATTE~
AND NOW, comes Plaintill~ by and through her allomey, Clillord A. Rieders, Esquire, Ilnd
sets forth as follows:
25. No response is required. Incorporatcd hercin by refcrence as though fully set forth
is Plaintirrs First Amended Complaint.
26. The avcrment is a statement of law to which no response is required.
27. The averment is a statement of law to which no response is required.
RIEDERS, TRAVIS, MUSSINA,
HUMPHREY & HARRIS
, ,
~I, /)
VdUU {; / . _ ~V
Clifford A, Rieders,' squire
Allomey lor Plaintiff
I.D. No. 20962
161 West Third Street
P,O. Box 215
Williamsport, P A 17703
(717) 323.8711
LAURA L, KOCH,
IN THE COllRT OF COMMON PLEAS
OF CUMBERLAND COUNTY, PA
Plaintiff
CIVIL ACTION - LAW
vs.
NO. 96-702 Civil Term
JOSEPH D. PUCHALSKY;
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY,
JURY TRIAL DEMANDED
, ,
Defendants
CERTIFICATE OF SERVICE
AND NOW comes Clifford A. Rieders, Esquirc, Allomey for Plaintill", and certifies that B
. copy of the foregoing Plaintiffs Responsc to Defendants' New Maller has been served upon
Timothy I. Mark, Esquire, and Deborah Cavacini, Esquire, CALDWELL & KEARNS, 3631 North
Front Street, Harrisburg, PA 17110, this ';:') () day of ,9vl^- '-- , 1997, by first-class
mail, postage pre-paid.
. RIEDERS, TRAVIS, MUSSINA,
HUMPHREY & HARRIS
d (tC( ?
Clifford ^. Ried rs. ,squir
Attorney for Plaintiff
J.D. No. 20962
161 West Third Street
P.O. Box 215
Williarnsport, P A 17703
(717) 323-8711
I"
,;.
,I i
I,
,
,
, ,
, ,
1'1
" 'i, ;,
, 'I 1
i'
ili
I.
"
,
,
I ; ~
,/
,I
'II
il
oj
jJ I!
'I
IF
"
I
'II'
,
j'!
,
"
't,
'I
"
'i
I '-I
"./1
,
,
I"
"
"
P 'I
.'
"
,
"
1',
.,
'.
"
'1,,1
I')
;1
,? ,~J
,
,'I
',I
"
jl
'I .) 11.1q~ t}/
.
,'~9'1
JUN 0 5 \997
J~1'l
, ,
IN THE COURT OF COMMON PLEAS
OF CUMBERLAND COUNTY, P A
CIVIL ACTION. LAW
,
LAt.i1lA.L. KOCH,
Plaintiff
VI,
NO. 96-702 Civil Tcrm
JOSEPH D. PUCHALSKY,
CHRISTOPHER MARTIN; and
LISA J. PUCHALSKY,
JURY TRiAL DEMANDED
Dcfendants
~ TO:rW CAUSE
AND NOW, to-wit, this l1!- day of _L,,~"'--.
, 1 WJ, upon motion of
plaintiff, a Rulc is issucd upon DcfcndanllO show causc, if any hc ha:l, as to why the prayer of
Plaintiff should not be grantcd.
Rulc returnablc thc 11 ~y of ~ ",,~-f , 19f in Courlloom i .
Cwnberland County Courthousc, &tl!..J!2.- o'clock, ~M.
BY THE COURT:
0-'"
l::'
.,
, '
"
jr ';
,
'II '
I I.,
'I IT
"
" '
"
i,"
..
,
Nationwide hu offered no aood cause and has not satisfied its burden for not producina
. the materials.
8, Nationwide has never objected to the Notice of Taking Records Deposition.
WHEREFORE. it is respectfully requested that Your Honorable Court enter an Order
requirlna Nationwide fully to respond.
i'
"C..-r ------
Clifford A. Rieders, Esquire
Attorney for Plaintiff
),0. No, 20962
161 West Third Street
P.O, Box 215
WiIliamsport. PA 17703
(717) 323-8711
"
. ,
"
I'
"
"
'.J,
"
,!I
,
L'l
"
I'
'.
,1,' >I
, ,
"
, ,
"I
, ,
,
, .
, .'
,
, "
" , ,
,
I !I
"
Ii
,
.' ,
"I
'1_1
I-I
"
".
,Ij
1','
"
,
"
"
1,1
,.'
C':RTIFICATE ~'SERVICE
AND NOW comcs Clifford A. Ricders, Esquire, Anomcy for Plaintiff, and ccrtifies that a
copy. of the forellolng Motion to Enforce Notice of Records Deposition has been servcd upon
Timothy I, Mark, Esquirc, CALDWELL & KEARNS, 3631 North Front Street, Harrisburg, PA
17110, and upon Rccords Custodian, Nationwidc Insurancc, Claims Department, p, O. Box 26SS,
Harrisburg, PA 1710S-2655, this 'N h day olfl.cF{ m.t (Cl, 1996, by first-class mail,
postaic prc-paid,
'" ,
II
~~-
Clifford A. Rieders, Esquire ~ . V
Anomey for Plaintiff
!.D. No. 20962
161 West Third Street
P.O,Box215
Williamsport, P A 17703
(717)323-8711
1>1'
,
,
iI
,.
'"
.
.
I, '
,.r'
" '
,
"
.!
,
" '
1,,1
.'
I,
"
."
"
Exhibit A
..
: ,
,'1/1
'1
1/1
"
"
,I/.
"1
"
\I
t
,'tF
.,
,',
:i'
"
1'1
"
), 1,1"
III',')
'i'I,li
,/1,'
'I'i\"
'I" ",I
,
"
I,
"
"
~, tI~t1' ".., ~.. ,'i ,~
"
,
'1'1
,
"II
",'
~ " " Idh
, " , I
,
,', , rill ,
, 'II
" , 'I " ,
"
I Ii!
, " ,
,I
, i
.,
I' I
"
j II"
.'
,
"
.'
"
,
"
,
1'1
,
',1
:),
"-I' I" ,
""1\ '.
,I 'I .1
, ., l" , " ,
, "
I
" (I' ,
" ,
, " "
"
"
, .
.1
I "
,
I"~
"
I,:
./;1
i , "
,
'I" "
I
., "
11 "
, ,
II: !
"
'1,'
,I,:,
"
"1
"
I,
"
",
"
,
.,
"
,
"
:J
,1\1'
:/J
<II
"
j,i!
:1"
',I )
.,
"
,'I'!I
'1
",I,
"
"
,
'''''', I"~,)
...
I,
"
',.
"
,
".
"
"i'
(I
"
"
:)'1
""
,
'I',
,,'
, ,
"
,
I,
','
,
'II'
':
I
.,
, ,
" "
': I
., I
., I Ii'
.,
"
"
"
'"
"
; I
1"
lot
"
ii,
d "
\ " ,
! 'I "
" ,
''.1-1'1 ,.;
., ,'.- ' >I'
" l'j
"
, " " ,
, "
q
',/'1
J
,"
I"
" I' I' ~ '
"
I,
I
,
'I
J'!
!t
,"
,"
'I"
'1" ,"
,
'.
" ,
I .",
I " ,
./1 I ),,;,1
" , I'
I
,;:i) , ,
,
I'j'
\ d,
",
,
"
"
,
i,!.,'
"
,
'.
I
,
,
F....x,
(717) S~..192
L'\~' OFFICES
.fl6,.'c(k1'6, @;'W,S, ~~JJ'll((, G!1~"lIIf;'''C!l9' Q7(ffal'/'(J
IIll \\'UTTHIRD $TRijET
1'0 Box 215
\~II~LIA.'''P~RT, I'&NNS\'~VANLA 17703
(717) 3~.8711
i~
1:.}\LIl~,
rlH\IJ.@III.~... .lillk ,11.1
O^Rl T, H^RRIS
JOHN ~\. HC~IPHRE\'
l>W.COL,\I S. M\JUIN^
CLIPPOIlO A. RIEDER'
AI,. ~.....~, ",Y. 61 O,C. 8m
RONAI.O C. TRAVIS
THoms \I'APPENECH~IIDT
C. ScorrWATus
ROBIRT H. vuae~Y
^I.. M.","', 1'1.111.11 Mm. 8...
)SPPREY C. DOHR.lIANN
l. ~lIcl-Wl~ WI~SY
I.'. s.,i_....II.o.
VAl.ERlI O. ZIM
AJ.. M._,"" c.I~..... I..
KIHlnLY ^. PACI,AA>ICI
'1,. ""..n..",
September 3, 1996
Records Custodian
Nationwide Insurance
Claims Departrnent
Box 2655
Harrisburg, P A 17105-2655
, .
Re: Koch vs. Puchalsky, eta\.
Dear Sir or Madam:
Enclosed please find a Notice of Taking Records Deposition along with a Subpoena
regarding the above-referenced matter.
Please note that no testimony will be taken at this Deposition. In lieu of actual
. attendance at this deposition, the forwarding by you of all documents herein requested will
satistY this Deposition Notice and accol'npanying Subpoena. .
Very truly yours,
RlEDERS, TRAVIS, MUSSINA.
HUMPHREY & HARRIS
Lisa C. Clunk, Paralegal to
Clifford .A. Rieders, Esquire
,
LeOllg
'.
3. llRmcs of all Insureds, whethcr llRmed insureds or nOl, ill 011)'
other policies 11\ the sRme,household or the some busincss~
4. names of any other Insurance companies you are aware of
,which 1\\0)' provide excess undelin.sured or unil')sured motorist
. coverage,
S. any other possible applicable policy lI\formation;
. 6.
any and a\l policies, even if different policies, on vehld~s In
san\e household;
7, ' allY phot9graphs or videotapes;
, ,
8, adjuster's logs; and
. 9. Investigation.
NO TESTIMONY WILL BE TAKEN AT THIS DEPOSITION. IN LIEU OF ACrrUAL
,
A iTENDANCE AT THIS DEPOSITION, THE FOR W ARCING BY YOU OF ALL DOCUMENTS
HEREIN REQUESTED \1vlLL SATISFY THIS DEPOSITION NOTICE AND ACCOMI' ANYlNG
SUBPOENA.
IS, MUSSlNA,
"
Clifford A. Rieders, Esquire
Anomey for Plaintiff
1.0. Nci. .20962
161 West Third Street
P.? Box21S
W,:lillll1Sport, I' A 17703,
\717> 323.8711
,
"
"
G Plll'CI~'KOCl,.POC\!MV.N1"0900RlS,8~IS
, ,
D[((lClSITION Arl'lDA vir or-
BErORD CllSTOOIAti
I,lhe undersi8ned, being dul)' sworn 5~~OIdln810 lAW, depose ~nd SA)' that I alll dul)' authorized cUSlodlan of
records for Nationwide Insurance with lhe authorit)' II.'> ~er'lf)' said records ond I hcrcb)' certif)' to lhe following:
A. The records attach~d hereto nre true and tl\lrt'w cop in or the records In In)' cuslody penaining 10. Laura
Koch; and
B. That, Including lhls cenitlcnllon, all re.ord5 CAlled for In Ihe Attsched subpoena duces tecum which are In
Ill)' cuslod)' have been photocopied Al __ ' In m)' presence, 01 my discretion
and under illY supervision, b)' ~ (nsme of cop)' service, if sn)'); and
C. That unlus qunlltled in p,,'agrAph (e), all records produced In Ill)' presence were prepared In Ihe ordinary
coune ofbulineu b)' aUlhorlzrd plnonl or personnel al or near lhe time oflhe aCI, condilion or evenl; and
0, A careful narch has been Illude ,,) me (lr al Ill)' dlreclion for records penalning to the above identitled
individual And the records produced pursuanllo lhe atuched subpoena duces tecum conslitule all of the records orlhe
individual so idenllf1ed.
E. Additional Comments:
(Be lure 10 enlCr the word "none", iflhere are none,)
I declare thMthe foregoing faelllS are within 111)' personal knowledge are Irue and correClto Ihe best ormy
knowledge, information and beller, . .
E~ecuted On:
_(dale) at
(place). .
Prllli or Type Nsme, Tille, andlor Posillon
Prin! or T)'pe Name of Doctor or
Organizalion
Signature
SWORN TO Ind submlb.d .
b.(Orll11. thil_ dlY
o(
,1996
"
--,
NotAry Public
M) COIllI11 iui,'1I 1~~plrC5:
-
" ~
CERTIFICATE OF SERVICE
AND NOW comes Clifford A. Rieders, Esquire, Attorney for Plainliff, nnd certifies that a copy of
I
the foregoing Notice ofTaking Records Depositionhas been served upon Joseph 0, Puchalsky, Messiah
College, Grantharn, P A 17027, Christopher Martin, Messiah College, Grantham, P A 17027, and Lisa
Pucha1sky, Messiah College, Granlhanl, P A 17027, this jrO. day of .3( ptr"..../o.u... ,1996, by first-
class mail, postage pre-paid.
R1EDERS, TJ3.1 VIS, MU S
HUMPH~ & HA
"
I
Clifford A. Rieders, Esquire
Atlomey for Plaintiff
1.0. No. 20962
161 West Third Street
P.O. Box215
WilIiamsport, P A 17703
(717) 323-8711
,
, t 'I,
,
'.'
,;1 ,
Ij'r
, ,
,
"ii
, ,
, ,
,
'I
",
'I
,
J \
,
,
",
~ ,
I,
"
,
, I
, I
"
I I
.,
,
','
, "
I' ;
, 'I"
I
. '
I
.' ,
'I
"
,)
, ,
,I",
"
"l,
"
, .
,
, '
,', ,
, ,
"
, '
,
I'
"
, '
I
!
~.
/lH.I~lt.".'\'" Iollm.," lUll l~u"1I1 {Jtt"
"
"
I,
I,d;
iI
"
"
I'i
" I
(I
\-'1
"
, '
,ji
'i'i
, '
, ,
''I
"
",
Ii
<I
"
".
'1 'j
,
'1-'1
,,,
Exhibit B
')
\
~. NATIONWIDE
U I~!~~e~~~~
BLANKET PROTECTOR
COMMON DECLARATIONS
ISSUED BY: NATIONWIDE MUTUAL FIRE INSURANCE COMPANY
r
Policy Number: RENEWAL
58 BA 234-579.0002
Named Insured
Mailing Addren PETER B KOCH
DBA THE OLD JAIL CEiNTER
255 WHIPPOORWILL LANE
L90GAN STATION PA 17728 .J
POLICY PERIOD: From APRIL'. 1994 10 APRIL'. 1995
'2:01 AM, Standard Time at your mailing address.
Form of Business: SOLE PROPRIETORSHIP
Description of Business: CRAFT:ART DISPLAYS
IN RETURN FOR THE PAYMENT OF THE PREMIUM. AND SUBJECT TO ALL THE TERMS OF THIS pOLICY. WE
AGREE TO PROVIDE YOU WITH THE INSURANCE AS STATED IN THIS POLICY.
at
This polley consists of the coverages indicated as included The premium may be subject tu adjustment
Included
Commercial Property Coverage ,.",.,.......,......,...,.,.,.........,...........",..............,............................................................... 0
Co m mere lal General L1a bll ~y Coverage ..,...."...,.. .......,."",..............,.....,................................................................. 0
Commercial Crime Coverage.......................................,................................................................."....................."......... 0
Mechenlcel. Electrical end Pressure Equlpmant Covarage.........................................,.....""................. 0
Commercial I nland Marine Coverage .............................................,.....................................................".,.....,....."...0
Commercial Auto Coverage ,.........................,..............................,...........................,............................."...,,,.................. XI
Garage Coverage ......, ..,......,............................................. ................................,...................,...............................................0
F arm Coverage ....................................................................................................................................................................... 0
Other Coverages .................... ,.......................,.........,.........................................................................,..............................!J
Not Included
~
Xl
~
Xl
~
o
XI
~
Total Advance Premium S 4,27900 Premium Payable at Inception S 4.27900
I n the event of cancellation by you. we shall receive and retain not less than S '00 as the minimum premium.
IF THE DECLARATIONS ATTACHED TO THIS POLICY SHOW COLLISION COVERAGE APPLIES TO HIRED
AUTO: THERE IS ALSO COLLISION COVERAGE FOR DAMAGE TO A RENTED AUTO. COVERAGE IS
SUBJECT TO CONDITIONS AND LIMITATIONS LISTED IN THE POLICY AND ITS ATTACHED
ENDORSEMENTS,
BASED UPON INFORMATION AND BELIEF, THIS IS A TRUE AND CORRECT COPY OF
THE POLICY FOR POLICY NO. 58BA-234-579-0002 AS OF NOVEMBER 10, 1994.
Forms In common to all coverage:
Oata of IBlua: 02.2~.g4
Countersignature Dele: 02.2~.g4
Cn 3200.A (1.87)
P.O, BOX 2655
Issuing Office: HARRISBURG PA 171M
Agency At: \MJ.L1AMSPQRT PA 17701
Agent: LYNDON L, BURKEY
0007511.37
)
~. NATIONWIDE
U ~,~M~~~Po.~
BLANKET PROTECTOR
BUSINESS AUTO COVERAGE FORM DECLARATIONS
ISSUED SY: NATIONWIDE ~LJTUAL FIRE INSURANCE COMPANY
ITEM ONE
POLICY PERIOO: From APRIL I, 1994
12:01 A,M Standard Time at your mailing aodrm.
ITEM TWO SCHEDULE OF COVERAGES AND COVERED AUTOS
Thla policy provld.. only those cowages whare a charge II Ihown In the premium column below, Each olthm covllIgn will apply only to those
'autos' shown II covarad 'autol,' 'Autos' are ahown as covered 'autos' lor a panlcular coverage by tha snlry 01 one or more of the symbols Irom tha
COVERED AUTO Secllon of Ihe SuslnlSl Auto COVill e Form neXl 10 the name of the covera a,
10 APRIL 1.
olley Number: P,
5S SA 234.579.0002
1995
N WAL
at
COVERAGES
IlIllry of ona or more 0 h. 'Imbol. Irom
tIIa COVEAED AlITOS S.ellon of lh.
lu.ln... Au\o Cover... /orm .how'
whic lulol r. cover.d luto.l
LIMIT
THE MOST WE WILL PAY FOR ANY ONE
ACCIDENT OR LOSS
PREMIUM
PROPERlY PROTECTION
INSURANCE IMlchl an on )
~O MEDICAL PAYMENTS
UNINSURED MOTORISTS 7
UNDERINSURED MOTORISTS
(When not Included In Uninsured
Motorist! Coveragl) 7
AS SHOWN ON THE AUTO SCHEDULE S 3048
SEPARATELY STATED IN EACH PIP ENDORSE.
MENT MINllS THE Oed. AS SHOWN ON THE
AUTO SCHEDULE S 98
SEPARATELY STATED IN EACH ADDEO PIP
ENDORSEMENT OR AS SHOWN ON THE AUTO
SCHEDULE S '90
SEPARATELY STATED IN THE P.PI. ENDORSE.
MENT MINUS THE Dad, (AS SHOWN ON THE
AUTO SCHEDULE FOR EACH ACCIDENT S
AS SHOWN ON THE AUTO SCHEDULE S
AS SHOWN ON THE AUTO SCHEDULE S 29
LIASILllY 7 H
PERSONAL INJURY PROTECTION
lor Iculvallm No-Fauh covera II 7
ADDEO PERSONAL INJURY
PROTECTION (or aqulvalem added
No-Fauh covlllgel 7
PHYSICAL DAMAGE COLLISION
COVERAGE 7
PHYSICAL DAMAGE
TOWING AND lASOR
(Not Available in Cal~ornll)
AS SHOWN ON THE AUTO SCHEDULE S 14
ACTUAL CASH VALUE OR COST OF REPAIR.
WHiCHEVER IS lESS MINUS THE Oed. (AS
SHOWN ON THE AUTO SCHEDULE) FOR EACH
COVERED AUTO, SUT NO DEDUCTISlE AP.
PLIES TO lOSS CAUSED SY FIRE OR LIGHT.
NING, See ITEM FOUR 101 Ihe Supplementary
Dlclarat,ons. lor hlled or borrowed "utos.' S 224
ACTUAL CASH VALUE OR COST OF
REPAIR WHICHEVER IS lESS MINUS 525 Oed
FOR EACH COVERED AUTO FOP. LOSS CAUSED
SY MISCHIEF OR VANDALISM, S", ITEM FOUR
lof tha Supplementary DlClar'tlons) tor hlled or S
borrowed 'autos.'
ACTUAL CASH VALUE OR COST OF REPAIR,
WHICHEVER IS lESS MINUS THE Oed, ,AS
SHOWN ON THE AUTO SCHEDULE) FOR EACH
COVERED AUTO, See ITEM FOUR (of the
Suppllmemary Daclarat,ons) lor hired or
borrowld "auto.' S 527
PHYSICAL DAMAGE
COMPREHENSIVE COVERAtoE 7
PHYSICAL DAMAGE SPECIFIED
CAUSES OF LOSS COVERAGE
S lor each dISablement 011 private
passenger luto S
. PREMIUM FOR ENDORSEMENTS S 149.00
SURCHARGES TAXES, ETC S
ESTIMATED TOTAL PREMIUM S 427900
. SEE ENDORSEMENTS FOR COVERAGES
iNCLUDED IN THIS PREMIUM.
Auto 86S1.B
Pig. 1 01 3
AUTO 9017
IL 00 03
IL 02 4e
CA 21 81
1185
om
0790
CA 00 01 De 92
CA 22 37 1292
CA 2171 01e8
CA 9917 1290
'~
IL 00 21 11 85 (Not APpll~.bl. In N.w York)
AUTO 8718 A 0190
CA 21 08 0790
CA 22 38 0790
CAS :l!8B
IL 0910/H0 291.0181
IL 00 17 1185
CA 01 80 0790
FORMS APPLICABLE TO BUSINESS AUTO COVERAGE FORM:
ITEM THREE SCHEDULE OF COVERED AUTOS YOU OWN ISII AItI~h.d Auto S~h.dul.)
ITEM FOUR SCHEDULE OF HIRED OR BORROWED COVERED AUTO LIABILITY COVERAGE AND PREMIUMS
LIABILITY COVERAGE - RATING BASIS. COST OF HIRE
STATE \ ESTIMATED COST OF HIRE RAtE PER EACH $100
FOR EACH STATE COST OF HIRE
PENNSYLVANIA I $ IF AWl
PREMIUM
1$ 106
,
Cost of hlr. ml.ns th. tOUI amount you In~ur lor the hlr. of aUlos you don't own (nOlln~lud\ng .UlOS you borrow or rent lrom your p.nn.'s or
.mploy." or their family m.mbers), Cost of hili dOll nOlln~lud. ~harglllor ..rvl~" p.normld by mOlor ~arrl.r. of propef1y or p....ng.r..
ITEM FIVE SCHEDU1.E FOR NON.OWNERSHIP LIABILITY
I Ratino Balls Numb.r , Pr.mlum
Nam.d Insur.d's Busln"s I
Oth.r than. Number of Employ." I S 43
,
So~lal Servl~. Agen~y Number of Penners I $
Number of Employ'" I S
So~lal S.rvl~' Ao.n~y I $
Numb.r of Volunteers
$ 149
Pig. 2 01 3
Ineludll c,o~yrlghlld metlrlll ollnsurlne. Servlell Olllee, with "I ~lrmlssIOn.
Co~yrlght. Insuranc. Services OfficI. 1990
Auto 8851.B
Policy Number: ~8 SA 234.~ )002
EF tve 0111: APRIL'. , 994
~. NATIONWIDE
U I!;!~M~~~POM~
AUTO SCHEDULE
ThllneUflnce 1110rdld 15 only wnh respectlO such and 50 many of the
following CovBrlges 15 Irllndlcaled by specnlc premium charges.
f-1l~WdD 'Fg~8~
~if . J~r~
VEHICLE ENTRY NUMBER 002 003
YEAR/MAKE/MODEL 8~ FORD F,50 83 DODG ARIES SW
VEHICLE IDENTIFICATION NUMBER 1PTCR1084FUA7~277 ,S3BD49C7DF200072
ORIGINAL COST NEW S 14,000 S 7,000
TERRITORY CODEfTERMINAL ZONE 0~3 000 053 000
L1AB. CLASS CODEiPHYS 0 CLASS CODE 01199 01199 '3010 13010
STATED AMOUNT VALUE
GARAGING ADDRESS PENNSYL VANIA PENNSYLVANIA
- Limns Premium LimllS Prlm'um
LIABILITY COVERAGES
COMBINED SINGLE LIMIT $ 1,000,000 $ 572 $ ',000,000 $ 666
SPLIT LIMIT - 81 EACH PERSON
81 EACH ACCIDENT
PO EACH ACCIDENT
"~
COMBINED SINGLE LIMIT S 35,000 $ 5 $ 35,000 S 6
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
UNDERINSURED MOTORISTS COVERAGE
COMBINED SINGLE LIMIT $ 3~,OOO $ 2 $ 35,000 S 3
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
NO.FAUL T COVERAGE
BASIC . SEE ENDORSEMENT $ 12 S 31
ADDED . SEE ENDORSEMENT $ 38 $ 38
NO.FAUL T COVERAGE iPPI)
SEE ENDORSEMENT FOR LIMIT
MEDICAL PAYMENTS COVERAGE
COMPREHENSIVE COVERAGE OED OED
COLLISION COVERAGE DED DED
TOTAL PREMIUM PER VEHICLE S 82e S 744
AUlO eo' 7
Pig. ,
01 a
Policy Number: 58 BA 234.579.00
EHectlvl\8 APRil',
~. NATIONWIDE
U 1~I~M~~~R.~
Th.lnsurlnc.ltforded 15 only wrth respect to such and 50 many of the
following coverages as are Indlcatea by 5pecrtlc premium charges.
AUTO SCHEDULE
VEHICLE ENTRy NUMBER 004 005
YEAR/MAKE/MOOEL 93 DOuG MAXI VAN 89 DODG
VEHICLE IDENTIFICATION NUMBER 2B7HB21Y8PK502082 1 S4FK4436K)
ORIGINAL COST NEW $ 15,001 $ 15,001
-
TERRITORy COOEfTERMINAL ZONE 053 000 053
-
LIAS. CLASS CODElPHYS O. CLASS COOE 01199 01199 01199
STATEO AMOUNT VALUE
GARAGING ADDRESS PENNSYLVANIA PENNSYLVA~
, L1mlta Premium I]m~s
LIABILITY COVERAGES
COMBINED SINGLE LIMIT $ 1,000,000 $ 572 $ 1,000, OO(
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIOENT
PO EACH ACCIOENT
I MU rUHI~ r~ COVERAGE
COMBINED SINGLE LIMIT $ 35,000 $ 6 $ 35, DOc
5hlT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
UNDERINSURED MOTORISTS COVERAGE
COMBINED SINGLE LIMIT $ 35 , 000 S 3 S 35,OO(
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
NO.FAUL T COVERAGE
BASIC . SEE ENDORSEMENT $ 12
ADDED . SEE ENDORSEMENT $ 38
NO-FAUL T COVERAGE 11'1'1)
SEE ENOORSEMENT FOR LIMIT
MEDICAL PAYMENTS COVERAGE
COMPREHENSIVE COVERAGE NO OED S 135 NO OEO
COLLISION COVERAGE S 100 OED S 320 $ 100 OED
TOTAL PREMIUM PER VEHICLE S 1,OS6
~6D : FHb81e
Auto 9017
Policy Number: 56 SA 234-5' 1002
EY Iv. Date AF'RIL 1. 1994
W1l. NATIONWIDE
II!J I.~~M~~~P~
AUTO SCHEDULE
The Insurlnce Bffordad Is only wnh respect to such and so many ollhe
1ollowlng coverlges as ere Indicated by speci11c premium charges
~r 10 I Flrh&iot
DC '0
C8tf
T~rr.
o 3
VEHICLE ENTRY NUMBER 006
-
YEARiMAKE/MODEL 67 OLDS r.UTLASS
VEHICLE IDENTIFICATION NUMBER 2G3AM51W2H8336016
.
ORIGINAL COST NEW $ 10 I 000
TERRITORY CODErrERMINAL ZONE 053 000
L1AB CLASS CODEIPHYS 0 CLASS CODE 13010 13010
STATED AMOUNT VALUE
GARAGING ADDRESS PENNSYLVANIA
limns Premium Limns Pr.mlum
LIABILITY COVERAGES
COMBINED SINGLE LIMIT $ 1,000,000 $ 666
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
'DNiNSU liSTS COVERAGE
COMBINED SINGLE LIMIT $ 35,000 $ 6
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDENT
UNOERINSURED MOTORISTS COVERAGE
COMBINED SINGLE LIMIT $ 35 I 000 $ 3
SPLIT LIMIT - BI EACH PERSON
BI EACH ACCIDENT
PO EACH ACCIDEN"r
NO-FAULT COVERAGE
BASIC SEE ENDORSEMENT $ 31
ADDED ' SEE ENDORSEMENT $ 3B
NO-FAUL T COVERAGE (PPI)
SEE ENDORSEMENT FOR LIMIT
MEDICAL PAYMENTS COVERAGE
COMPREHENSIVE COVERAGE OED OED
COLLISION COVERAGE OED OED
TOT AL PREMIUM F'ER VEHICLE $ 744
Auto 9017
F'.g. 3 of 3
POLICY NUMBER: 58 BA 2:79.0002 COMMERCIAL AUTO
THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY,
PENNSYLVANIA BASIC FIRST PARTY BENEFIT
For a covered "auto" IIcansed or principally garaged In. or "garaga operations" conducted In. Pennsylvlnl". Ihll
endorsement mod~les Insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
GARAGE COVERAGE FORM
iRUCKERS COVERAGE FORM
This endorsement changes tha polley effective on the Inception dala 01 the policy unltsl another date 1,lndlcated
balow:
Named Insured Endorsement effective
PETER B KOCH
Countersigned by
(Authorized Represenlatlve)
SCHEDULE
Benems
Limit ot Liability
(per Inaured)
Up to 55.000
Medical Expenses Benef~s
(If no entry appears above, Informallon required to complete thiS endorsement will be shown in Ihe Declarallons as
applicable to this endorsementl,
A, COVERAGE
"bOdily Injl,lry." If w~hln , 8 months frOrTIlhe date of
Ihe "accident" causing "bodily Injury" It Is ascertain.
able wtth reesonable medical probablltty thaI further
expenses may be incurred as a resu~ of Ihe "bodily
Injury," medical expenses will be paid wllhoutllml.
tatlon as to the time such further expenses are
incurred,
Wa wl\1 pay Ihe Bulc First Party Benaftt in accor.
danca wtth Ihe "Act" to or tor an "insured" whO
sustains "bodily Injury- caused by an "accident"
arising out of Ihe n:aintenance or use of an "auto,"
BENEFITS
B, WHO IS AN INSURED
Subj.CI 10 Ihe IIm~ shown In the Schedule or
Oecl.rations, the Basic First Party Beneftt cons,sts
of Medicsl Expense Benefits. These benefits con.
slst 01 rusonable and necessary medical ex.
penses Incurred for an "Insured's":
1, care:
2, recovery: or
3, rehabilitation.
,. You.
2. If yo~ are en IndividuaL any "family member."
3. Any person while "occupying" a covered
"lutO."
4. Any person while nOI "occupying" an "auto" If
Injured as a result of an "accldenl" In Pennsyl.
vania InvolVing a covered "auto."
If a covered "aulo" Is parked Ind unoccupied.
It is nol an "auto" Involved In an "accident"
unless rt was parked In a manner as 10 creale
an unrusonable risk 01 Injury,
ThiS Includel remedial Clre and IrUlmsnl ren.
dered in accordance with a recognized religious
mell'1od 01 healing,
MtdlCalexpenlll wll b4 plld W Incurred wrthl~ , 8
monlhl from the date of the "accident" causing
r-A 22 37 12 92
Copyright. Insurance Services Office. Inc.. 1992
Page 1 vI 3
C. EXCLUSIONS
W. will not p.y First P.rty Beneflls for "bodily
Inlury":
,. Sustained by any person Inlured whll. Inten.
tlonally causing or anemptlng to cause Injury 10
him.." or hersell or any other person.
2. Sustained by any person whll. commlnlng a
felony.
3. Sustaln.d by any person while seeking to
elud. lawful apprehension or arrest by a law
enforcemenl officiaL
4. Suslalned by any person while malnlalnlng or
using an "aulo" knowingly converted by that
person. However, Ihls exclusion does nol
apply 10:
a, You: or
b. Any "family membar.'
5. suslalned by any person who, allhe lime of
the "accident":
a, la the owner of one or more currantly
reglslered "aUlaS" and none of Ihose
"aUlaS" Is covered by the financial respon-
sibility required by the "Acl"; or
b. Is "occupying" an "aUla" owned by Ihat
person for which Ihe financial responslbll.
tty required by Ihe . Acl" Is nolln affect.
8. Suslained by any person maintaining or using
an" aulo" whlla localed for use as a residence
or premises.
7, Suslalned by a pedestrian if Ihe "accident"
occurs oUlslde of Pennsylvania, This exclu-
sion does nol apply 10:
a. You: or
b. Any "family member,"
8. Suslalned by any perlion while "OCCupying":
a, A r.creatlonal vehicle designed for use off
public roads: or
b, A motorcycle, moped or similar IYP'
v.hlcl..
9. Caused by or as a consequence of:
a. Discharge of a nuclear weapon (.ven If
accidental):
b. War (d.clared or undeclared):
c. Civil war:
d, Insurr.ctlon: or
'\
.. R.b.lllon or revolution.
, O. From or as a consequenca of the following
whethar controlled or uncontrolled or how.ver
caund:
a. Nuclear reaction:
b. Radiation: or
c. Radioactive contamination.
D. LIMIT OF INSURANCE
,. Regardless of the number of cov.r.d "aUloa."
premiums paid. claims mad.. "autos" In.
valved In Ihe "accldenl" or Insurers providing
FlrSI Party BenefllS. Ihe mosl we will pay 10 or
for an "Insured" as Ihe result of any on. "ec.
c,denl" Is Ihe Ilmll shown in Ihe Schedule or In
Ihe Declarations
2. Any amount payable under Flrsl Party Bene.
fits shall be excess over any sums paid, pay.
able or requ,red 10 be provided under any
workers' compensation law or similar law,
E, CHANGES IN CONDITIONS
The CONDITIONS ~,~ changed for FIRST PARTY
BENEFITS as tollows:
,. TRANSFER OF RIGHTS OF RECOVERY
AGAINST OTHERS TO US does nOI apply. '
2. The lollowlng CONDITIONS are added:
NON-DUPLICATION OF BENEFITS
No person may 'ecover duplicate boaneflts for
the same expenses or loss under Ihis or any
other similar aUlomoblle coverage Including
self.lnsurance.
PRIORITIES OF POLICIES
We will pay First Party Berlefits In accordance
with the order of priOrity set forth by the "Act."
We will nol pay If Ihere 15 another Insurer at a
higher level of priority. The'Firsl" category
listed below Is Ihe hlghesllevel of priorlly and
the "Fourth" category listed below is Ihe lowest
l.v.1 of prlorlly. The priorlly order Is:
First The Insurer providing benefllS 10 the
"Insured" as a named Insured,
S.cond The insurer providing benefits 10 Ihe
"Insured" as a "family member" who
Is nOI a named Insured under enother
poliCY providing coverage under the
'Act."
Third Th. Insurer of Ihe "aUla" which Ihe
Page 2 of 3
Copyright. Insurance SelNices Offlc.. Inc.. 1992
CA 22 37 12 92
)
under the policy with th. hlgh.st dolllr
IImltl of benefitS.
"Inlurld" Is 'occupying' at the tlm. of
the "Iccld.nt."
Fourth Th.lnsur.r providing ben.fltl on Iny
.. luto" Involv.d In th. "Iccld.nt" It th.
"Inaurad" Is:
I. Not "occupying" In "auto"; Ind
b. Not provided First Party Benefltl undar
any other policy.
It two or more pollcl.. have aqual priority
w~hln the hlghnt applicable number In the
prlor~y order:
1. The Insurer agllnsl whom the clllm II flrll
mede shill procell and pay the claim al
It wholly responslbla;
2, If we Ire the In~urer agolnst whom the
claim 15 first made, our payment to or for
en "Insurad" will not exceed the applicable
limit shown In the Schedule for Declara.
tlons;
3. The Insurer thereafter 15 entitled to recover
pro rata contribution from any other In-
surar for the b~neflts paid and the costs of
proclllsslng the claim, It contribution Is
sought among Insurers under ttie Fourth
prlor~y, proration shall be based on tha
number of Involved motor vehicles; and
4. Tha maximum recovery under all policies
Ihlll not exceed the amount payable
F. ADDITIONAL DEFINITIONS
1, The definition 01 "auto" In the DEFINITIONS
Section Is replaced by the following;
"Auto" means a ulf.propelled motor v.hlcle
operated or designed for use on publiC rOlds.
However. "auto" does not Include I vehlcl.
operated:
a, By muscular power; or
b, On rills or triCks
2. The following are added to the OEFINITIONS
Section:
a. The "Act" means the Pennsylvania Motor
Vehicle Financial Responsibility law,
b. "Family membar" means a resident of
your household who Is:
(1) Related to you by blood, marriage or
adoption: or
(2) A minor In your custody or In the cus.
tody of any other "family membe~,"
c. "Occupying" means In. upon. genlng In.
011, out or 011,
, ,
, '.
"
CA 22 37 t 2 82
Copyright, Insurance Sel'lllCII Olllce, Inc.. '992
Page 3 of 3
A. COVERAGE
We will pay Added First Party Benefits or Combl.
nation First Party Benefits In accordance with the
"Act" up to the IImltl Itlted in the Schedule or
Declarallons to or for In "Insured" who sustains
"bodily Injury" clused by .n "sccldenl" and arls.
Ing out of the maintenance or use of an "auto." Wa
will only pay Combination First Party Benefits tor
expenses or 1055 Incurred within 3 years from the
date of the "accident"
In addition to the Medical Expense Benefits de.
scribed In the Basic First Party Benefit endorse-
ment Added First Party Benefits ane Combination
First Plrty Benefits elso consist of:
Work Loss Benefits consisting of:
.. Loss of Income. Up to BO% of the gross
Income ectually lost by an "Insured,"
b. Raasonable expenses ectually Incurred to
reduce loss of Income by hiring:
(1) Special help. thereby enabling the "in-
surae" to work: or
(2) A subslltute to perlorm the work a
self.employed "Insured" would have
perlormed.
However, Work Loss Benef~s do not Include:
a, loss of expected Income for any period
following the death of an "Insured"; or
b. expenses Incurred for services perlormed
following the death of an "Insurad"; or
c, any loss of income. or expenses Incur'ed
for services perlormed, during the first 5
working days the "insured" did not work
after the "accident" because of the' bodily
injury,"
2, Funeral Expense Benefits, Actual expenses
Incurred for an "insured's" funeral or burial if
"bodily injury" resulting from the "accident"
causes his or her death within 24 monthS from
, the date of the" accident"
3. Accidental Oeath Benefits, A death benefit
paid if 'bodily ,njury" resulllng from anaCCl'
dent" causes the death of you or any "family
-.A
member" within 24 months trom the date of the
"accident. "
B. EXCLUSIONS
In add~lontotha exclusions Inthe Basic First Party
Benef~ endorsement. the following exclusion also
applies.
We will not pay:
Accidental neath Benefits on ber,alf of any person
who Intentionally caused or anemptad to cause
"bodily Injury" to himself, harself or any other
person.
C LIMIT OF iNSURANCE
1, Regerdless of the number of covered" autos."
premiums paid. claims made, "autos" In.
valved in the 'eccldent" or insurers providing
First Party Benefits, the most we will pay to or
for an "Insured" as the result of anyone "acci-
dent" Is the limit shown in the Schedule or the
Declarations, Combination First Party Benefits
are subject to a max,mum total single limit of
liability with IndlvidLlalllmlts for specific bene-
fits as shown In the Schedule or Declarat,ons.
2. If Combination First Party Benefrts are af.
forded, we will make avellable at least the
minimum IIm~ required bv the "Act" for the
Basic First Party Benefit. This provision will not
change our total limit of liability.
0, CHANGES IN CONDITIONS
In add~lon to the CONDITIONS applicable to the
Basic First Party Benefit endorsement. the tollow.
Ing CONDITION also applies:
PAYMENT OF ACCIDENTAL DEATH BENEFITS
The Accidental Death Benefit under this policy will
be paid to the executor or administrator of the
deceased 'insured's" estate It there is no executor
or administrator, benefits shall be paid to:
1, The deceased" Insured's" surviving spouse: or
2. It there Is no surviving spouse. the deceased
"Insured's" surviving children: or
3. If there is no surviving spouse or surviving
children, the decer,sed "insured's" estate,
Pig. 2 of 2
Copyright. Insurance Services OHlce, Inc.. 1990
CA 22 38 07 90
Inue Date - 02.25,94
THIS ENDORSF.MENT CHANGES THE POLICY, PLEASE READ IT CAREFULLY,
LOSS PAYABLE CLAUSE
This endorsement modifies Insurance provided under the following'.
6USINESS AUTO COVERAGE FORM
GARAGE COVERAGE FORM
TRUCKERS COVERAGE FORM
A, We will pay you and the loss payee named In the policy for loss to a covared auto. as Interest may appear.
B. The Insuranca covers the Interest of the loss PeY" unless tha loss results from conversion, secretion or
embazzlement on your part.
C. We may cancel the polley as allowed by the CANCELI..ATION Common Polley Condition.
Cancellation ends this agreement as to the loss payees Interest. If we cancel the polley we will mall you and
the loss payee the same advance notice.
D, If we make any payment to the loss pay~e, we will ootaln their rights against any other party.
,
I
Modll Maill
Enuy : VIII \. 01
No. ,1' VoIIelt
, -
004 ~ 93 : coca
I
\
Bolly Type
, MAXI VAN
I Idlr<<JllelOon
i Nllmbtr
I 287H821 Y8PK502082
Loss Pay.. Name and Address
NORTHERN CENTRAL BANK
102 W 4TH STREET
WILLIAMSPORT PA 17701
nlll ,noQrltm.nt II .,...cutt;:l by thl NltlonwlCI. Mutuel
Insuranc. Comj:lII'lY, \1"11 NltlonWIOI Mutual F'lf' In....H.nc.
COrTI~lny c:r tn. NltlonwlC' Prop.rty and CUUllty Insurlnc'
Coml'lny if IItd company nil IlIu.d tn. I=lohcy to whiCI'I tMil
,ndorum.nt IllnaCntd,
Issued to: Named Insured Name and Address
PETER B KOCH
DBA THE OLD JAIL CENTER
255 WHIPPOORWILL I..ANE
I_COGAN STATION PA 17728
Entell"
0111,01 Utn
OIlI.lln
E>cpI!II
12.09.98
'PIC, '
, .'
Plr1I1 F'
m .~'
, Old, ; E \
, ,
I I
\ \
\ \
\ II
Co~.r.oll
TI
H'
E'
COI11ll, F'
Old. 1'1 Co! Old.
I .
'"" If
I \
\ I
, !
\,...."
\
I
\
I
Alleched to and forming part
of polley number: 58 BA 234.579.0002
EFFECTIVE DATE OF LIEN(S): From the effective date of
lien, shown above. to the date the lien expires, as shown
above, at 1201 A,M, at the address of the named Insured.
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY
COLUMBUS OH
~~~lc:Ttl_ j}kM.ll~
!tl1'.tI,') ','f...I,''''
"l.Itl'lorl210 1ll.'r;lr,..nlltivl
LYNDON L BURKEY
0OO7~1 1.37 ~8.~~.28
COl.if'ltt!l,gr..d It
WILLIAMSPORT PA 17701
,
-'
Includes copyrighted Material of Insurance Services Office. with lis permission.
AulO 8716.A (HIO) COPYright. insurance Services Office, '985
"
'11,1
"
,
II II
"
,
I
,
.1
II
,
'I
"
,
"
, ,
I I
.'
-J-l
".
,I
I
, ,
"'I
, I
,
I,
"
" ,
, ,
" ,I
,
"
,
'i
"
,
.il
,
"
il
,
,
"
I'
d I
Ii,
"
'.1;
,.,..
') \::~
~ ~I 'it6'
tl'j., if" ':) ~f'~
1~). :.c..:):~
~"i( y... '" t\ !~1"
I '. tP lr~o.
l, . ~,
1.1 ..'. H-
. ..~ \1 .~..
'b,1 I~
"
,',
"
I,;
j;
'I
I,
,
,
1'1
,
')
"
,
"
"
"
"
,
'I"
,
I,p
I,
!,! 1
Ii
I'
,
,.
,
,
'"
:':
-I,
,
;';1
1,1
"
"
Ii
\'
i.
!
,
,.
"
'Ii
.'
.,
'I
'I
II "'j
/1',1,,'" ',','
I. III
I "Iii" (;>/ I
11J1.: i
.tl~.,;),. II:"
; '1" \.\, ~,'r :J~
,-_.(,) ~ ';)~ 'r;;t?
f") "" -, .",
'\", I."
'I,,:... i' "J
;:,...
'I ,
':. I'
1.( /
I'~': r!'.,'/
.. l--~_ "oF"
,
'1
",
'1)1
,
"
"
did
~ J ~ ~~
s~ ! g I
J ~ ~
-
i
,
I,
I
I'
I
" i
I
,
I
i I (
,
" I:
'I'
i
!
,
, VJ
Uh~
i~e<...:
~..J~Q.,=
. .trl'€~:
>.~ 0 !:i =E
~Q~:5lJ
~~~I]
.,
'I'
'I,
, ,
,
,
,.
,I
!
,
'J
,I
I
Y
"
,'1', \
','),
,
,
,
, ,
"
I
,
,
.,
"
I.
I
I
,
I', ,
,
I
\1. ..
~ I, .
'I" ,t\
"
.,
I'. ~ , "
i\' ;11
~u
,..1:.... '\ ,
" ,J..!''',
'''.",Ik ) ,ii
'!l/.I
\" ;
~, "
" '.' ~
.," I 1
I' r" I
~, r..
'0 ' '.
, I, "f~,1 ~(..
< -I
, j' ,
~ :,t'
,
"
, .'
" I
,,~I,
..--:.
t' ~,
. ,
'.'
, ,
, .,
..
i /,
I
"
I'
I
'I
l:
\
l~'~ ,.
Y,
,
,
,
,',
~
:,'t
,
i
'I
; ,
,
,
i'
"I
l
~
,
I l:,
I.
,
I
/
"
\
I
.,
,,'
~
"
"
"
"
"
"
'ii'
:IJ1, I'
O.'~ '~t';'!'1 ;:
~ (. 1'\ ~r. j
f'il, ..... I, ,.,'
H, '
/'i:? ,:,,0
\ _;.r.>~.~IJ,:';~".'./
,
,;1
1. 'I
l~d
~"~M~~
5j ! 2 j
,I
.,
1
lid
.~
l~ ~
f~.J ~~
Cla~~~tfi
.( ~~ ~ ~1
~~~~jj
~~~~~j
I
,
1
i\
,
i
,
I"~
'1'-'
-"-_~
,
, I
,
,
. 'I
" I,'
I , ,
!I
II "
"
II.
\ ,
"
I
I
I iJ
I
,
,
,1;
! I
,
Ii
" ,
I-!
! 'I i
:1 I,
I
',I"i
, ,
I
I
I
I
I
,
,
I
I
'1'1
"
'1'10
"
,
, i
.
, I i
"
!
.
I
, ,I" ,
'. I
I ,-~
" ~
,
,
"
" ,
I ,
Ii
"
i".
.' ;'11 r.~
J.." ~
,1,\
,",,';1,' ,
, 'f ,~. jl
;1 . .'+ J~\'.\
.,' 1,1~
\ \ r
I., ,":'1 I
lj
'.
...,' I fi
" i I
Jl~ '
",; ""
;~
fi
,'" ,
"1
I.
I'
,
"
~ ,
. ,
.
~
I
, .,
I.
'.
I,
. '\
\
\
,'I'
,
I
, I
;:',' ~r~
.. r,
't.
"
-.
....,...
PITTSBGRGll AIRP( lRT
.,\\Qrriott, ,,:;:'"7
. "
" """\h\':::1 mot\<.X"\ -.....JC-I~h\cd c/'''\ 1\1819bl
m6 rtc o\\ou\c'l'~ c:J~(c.. Col\ed '-R:>
Q~"- '-.lh'l \ ~ ho.~f,'+ bec-CI od-ed 0') I
:r. N:l\Je. nO (Cccxd 0+ \ ~ be. In:),
.:::lent ~() a . Juc\<jt: ,I\\e. R-o\hcno-bf'.j
ro6 \ \ ~ \ e d. ~e (" a (IO\e.. R \ c...\C... t'Cci
o ~Ol\\C::c\.) b.....>\- a.f\'<:r "1 (\\m~hS, ".
, . .
~\c...'c. c:en' \- (C.r\\cmloei w,,~ \-\- woS
et.\.JrC\ccb f\ \e.. '.
\ . I + 1'\',\ S W"\' \- p,,- ac.<c f'\':' d C\:,
I'::) 0I~:t. r\~c,d ~ cia ~'\-h\n3,
i ~ <: \\ c. \ \- b~<- '(.} ""
\ .~ I~ .
\
\
Parkway Wu'. Montour Run E~lt! 100 Atllll Rued I <:oreopuUo, PA IMOS (.u~17SS'8800
,-""
..
,
,~, )
;
(
, ',l
, ,
~,
..
~ .
.. .
,.1, "I
t"" ·
I j \' I
..
+J'" I,"
, ,
: ti
, ". ~' , I t
I.
I ',j'
, I ~..,....u.
VERJFICATION
I, Laura L. Koch, hereby verify that the facts set forth in the foregoing First Amended
Complaint are true and correct to the best of my knowledge, information and belief. I understand
that false statements herein are subject to the penalties of 18 Pa.C.S, Section 4904 related to
unsworn falsification to authorities.
ifBltdL ~<i!f!a~C!d1J
a L. Koch kAt" .
,"
,
,
"
"
, \
11\
;,"
"
,I
J
,
,
,
ii'
"
,
"
" ,\
,I
I
,
i,'
, ,
"
"I I
\,
...,F .,
.,
,
"
"
I
I."
If'
, '
,
,'t
, '
-
UURA L. KOCH,
I IN THB COURT OF COMMON PLBAS OF
I CUMBBRLAND COUNTY, PBNNSYLVANIA
I
I
I
I 96-702 CIVIL TBRM
I
I
I
I CIVIL ACTION - LAW
I
I
plaintiff
V.
JOSBPH D. PUCHALSKY,
'CHRISTOPHBR MARTIN, and
LISA J. PUCHALSKY,
Defendants
AND NOW, this
_: f1fZR or COURT
/ J' day of AUGUST,
1997, after recelpt
of the attached proposed stipulation, the Court directs
Nationwide Insurance Company, the first-party carrier, pursuant
to Plaintiff's Motion to Enforce Notice of Records Deposition, to
produce said records to both parties within ten (10) work days of
the date of this Order. Nationwide Insurance shall fully and
completely respond to the Notice of Taking Records Deposition
addressed to said insurance company together with subpoena and
served upon same the 3rd day of September, 1996, said response to
include the nine (9) items listed in said notice.
/
Clifford A. Rieders, Esquire
For the Plaintiff
C.0if~",) ((>~<i..l.
Deborah A. Cavacini, Esquire
For the Defendants
Ishw
',-
"
"
!:
",
1~i
I II
,
",1'1'
,
I,
, d
,
I
I, 'd
,
,/_\ t
I
,
,
::-,
fl'
,
I,,:! I,
:'
'{
,j;1
,
,1,-
"
.
)
"
,
"
"
"
llJI'
1 ~ I, I
",
""'ll
L,
"
'1'1
'II!
.'
,
.,
,"
,
,
,/
!1'1
"
,
", I
)'1-'
!'
"
,
"
ii,
'.
>I
"
"
'1'1
,I
1--,
'<)
"
, FIIJD-of''FICE
(iF 7111; (,:r;OnJO,NOT/lRY
I
97 AUt, 19 PN ~I 13
I
II 'I '
'Cl.Jlvt(4~H;';~\LJ UOUN7Y
' . PIENNSYLVAN/A . ,
I , I,
,
'1
I,',
,
,
,
,
,
,
"
, ,
"
"
d
,
"
'11' 'I
,
"
i"
"
"
" ,
'1'1
,
,-I,
,
!Ii I
,
'I
,
I j'
1,1' J'
jd
",
"
,
,
"
,
I, 1'_1
.,
,
It'
.,
,
,.
,
,
)'J,'
1!ll
'-Jl
d
,
,
, ,
,
"
.\
"
!P
,>]
)'1,
"
\1
,I
"
"
",
,
!
,
,
"
I
;"'1
i
, ;':'1
"
"
II
"
"
',I
,i,i
,
l-j
,,'
",
)!
,
"
-1-)
',~ ':' :! I
'.-I ,!
i I
,
,!
"
,
,
Ii
, I, 'I,
"
,
,
I; ,/
"
I!,,'
.,
,I
"
"
1, "
Ii
,
,'I' "
" ",
':
'_1,_;,
I '',t.'
L,:
,,"
"
,
'I
1,-'
, 'J,
I'"
,11
-,I;
,_!
n
"
l,
,
,i
, ,
, .
,
1-'1
"
,
.,
.,
"
"
"
/,1
, :_/'1
.1 '
"1-11
,I,'
\
"
"
oj I'
i\1
,
I
,
,
,
,
,
,
,1,/1
"
"
.-I ql i
'I
,"I ,/
"I,
"
,
:-1
"
'-,,'
;'j
,.
,
~t
'~
! "
"
"
,
d,
,',
,
,.
,
",I,
,.
:,'
,
"
,
"
,
"
It, !,
'\ Ii
'I
"
'1 'j
"
'..I'
~} _; 1 - I
1'1
'I" I
'I'
"
",
. ,
",1.\'
_11
"
;.'
,,'
-,-, )-,
d-
,
,I,
,
" '<1
"
"
t
,,'11:1
, "
, '
I,
,
'-I'
,
'II':/jl "
, "
i\, ,I
, ,
1 I j'
II' ,
, ,
-'I)
.\
,,'I
. '
'I
,
, ,
"
"
}
I
I'
(.
,
,
,
"
"1'tOI1 I CFlL.DWEL.L. Il. I<EFl/iN5
TO
717 J2:J >41112
l"7,~e-16 10.0>4 .2:Je ,",02/02
"...
LAURA t" KOca,
1N THE COURT 0' COMMON PLBAS
OF CUMBERLAND COUNTY. PI..
CIVIL AC'l10N. LAW
lllal;sltl'
~~.1 VI.
',' , '
NO. 96.701 Civil Term
10S'BPH n. PUCHALSKYI
CHlUSTOPImR MARTIN; tIIcl
USA 1. PUCHALSK'Y.
JURY TIUAL DEMANDW
D~U
~tJl.i~TEn ORDRR
IT 15 sTI1UI.ATBD by 11I4 bctWCCI1 ClW'ord A.lUcders, ~\IIte, on bebI1C ofPlaildlft',1Il4
Deborah A, Ca~, ElqW~1 OEl behalf of Defendants, that ID ardor may be entered apinst
Nationwide Insurance Company, dlc fint-pII1Y wrler, pursuBDt to Plaintiffs Motl.OD to Enforce
No~ ot~ DepositioD, to prod~ said recorda to both parties within ten (10) work days of
the dltl: of tb1J Qrd.llI';
Said Nationwide IiIJUn,N:C shall t\Il1y and compllltcly rt.pond 10 the NoticI of TaIdni
R.ccotds DepositioD addrelled to said inrwance company walther with .ubpoena and aervcd UPOD
same the 3" ~ of Scp_btr. 1996. said respOllP to i.lIGlllde 1be lIine (9) itemllisted in .lIi4 DOt1co.
"l;".'
.... ~...
BY TIlE COURT:
SHEELY,J,
-
I.A\II' UI:I:I,'I:S
.sl6e'eekw, &J;"lIiJ, Q'JriiJJill/l, d7(f"",/,I,.,'(~'1 ,9" d7(f,,1'1'l'.s
1M Wr.~TTIIIWf.) ~TRUET
P.O. UOX 215
WIWAMSI'ONT.I'UNNSV~VANIA 177()3
171'1).123.8711
B.MAl~,
r1l11ht.@IIl.II...,hll~,1l.1
"
PM,
(7171323." 192
OARVT, HAIIIlIS
)OIlN M, HUMPIIREV
MAU:OLM S, MI.IS~INA
C~IFPOND ^. WIUDERS
AI.,) "".llliN, N,Y, (tf Ill', n..,.
RONALlll:. TIlAVI~
TII,)MAS \1(/ APFUNS,'IIMlllT
C. $l\,"'l'rr WATliWtl
1I0BBIlT ij. VBSB~V ,
^~. M'lIIbe, M,,".11 M..., 8m
)HPFIlBV C, D<1I1NMANN
, ). MI~IIAB~ WI~BY
M~ l!1I~1l1t1l1l~111.1 L"..
V A~UNm 1.1. /.IM
^J~I MlIlIIl"" l'olhl,'w,,, ".,r
AUKust IS. 1997
~-_._-,..-
KIMN~NL~ A.I'A"LIIAJoIl.
Plnl.ltI....'lIt
VIA FAX 240-6490 Ilnd FIRST CLASS MAIL
The Hon. Harold Sheely
Ann: Shawn
Cumhcrland County Courthouse
I Courthouse Square
Carlisle, PA 17013
I '
"
Re: Koch v. Puchalsky
Dear Sharon:
Please find enclosed the signed Stipulation in the above-referenced malter.
It is rny understanding that this will obviate the need for Ms. Zim's appearance: on the I Sill of
August, 1997. '
I very much appreciate your courtesy in this regard.
Very truly yours,
I. ,
CARljss
Enclosure
"
.,
" 1
,
, ,
, , " , 11-1
"
, II
, 'I ,
" I , I, ,I,
I "
,
'I tI , ;)
, ,
, , I ,of , I
,
'I
'" 'ill
I !I
;! 1 , 'I ,;,,\i'
~ I ,,-! " 1'1
" 'I
" ,
" II ,
, 1 ,/
", it
, , I
" , ,
, , , " , "
" ,
, , " I " "
.1 ,\
" , ,
j"
" ,
,
~ -. ,~ ;'i!
0;:: it " ,.
r,J:, ,
.. -} , Ij
~i - (~J~~ "
-
~ (I'" , ,
. ~i
r ;,'~"~1 ,
r.. J. t<J
(' 1(1 ~',:..' ~ , "
Ii
.' I :~~ " ., ,
L\t ;e , , .. '1
.3; ,
~~. ""} ,
r3 "
~ ~ " , "
, i"
':" "
:t,; /i
iij
.. ,
" ",
!'.I iil
, I.
,
" ,
,I
J'" "
,
" ;11
'I \,
,
"i ,
"1
,j'
!)
I.
,
"
'I'
,
"
:
"
I
,.
'\
,I
, I,
" ,
I' ,. ,
, " ,
" ,
'i ., I I,
I' ,
, ,
"
11:1)
"
"
,
,
"
ii,
"
q
I
pi
l'
,,;1
"
'\
,
,,1
'1,
,
1 ,)
!j'
"Ii
I'
"
,I
I'
;,1
','
"
,,'
,',
1.1\
i\
,
,
"
'I
,
,
i
',I
"
,'.j
'I
,
"
"
"
;1
j,
"
I"
,.
I
II,
.,
.,
"
"
,
,
,of
',/;
.,
!II
i'\,
.1
.j.
"
, ,
,
:'11
Ii
;" "
)'1
;,
I. "
.1
I
II
" .
..