A woman injured in an auto accident tried an unusual technique to expand her possible recovery from an insurance company. She argued that, although her injuries occurred after one single-vehicle crash, they were the result of two separate and distinct acts of negligence and, as a result, arose from two legal “accidents.” The unique approach failed, however, as the California Court of Appeal agreed with a lower court that there were not two legal accidents, but rather two concurrent acts of negligence leading to one accident.
Kari Amaya owned a car that she insured with Mercury Insurance Co. Her policy covered herself and Ashley Amaya. One day in July 2011, Ashley Amaya allowed Carla Hurtado to drive the car. Hurtado was speeding on the freeway when a tire blew out. The driver lost control and crashed, seriously injuring a passenger, Monique Jones. Jones incurred more than $200,000 in medical bills. Analysis of the car’s tires revealed that they were severely worn, with less than 1/32 of an inch of tread left on them.