If you’ve been injured in a vehicle accident, such as an ATV crash, there may be multiple parties that could, depending on the facts of your case, be liable for your injuries. They might include the vehicle manufacturer, the driver, the vehicle owner, or the owner of the property where the crash occurred. In a recent case involving a woman whose arm was crushed in an ATV accident on a public street, the courts decided that she could not pursue a claim against the insurance company of the ATV’s owner. Due to who was driving and where the accident took place, the Louisiana Court of Appeal decided that the insurance company was, in this circumstance, entitled to conclude that its insurance policies did not cover the accident.
The woman’s injuries arose from a weekend birthday celebration gone wrong. Danielle Schelmety, her boyfriend, Michael Smith, and Smith’s roommate, James Johnson, decided to drive from their law school in Jackson, Miss. to Ruston, La. to attend a crawfish boil as part of Smith’s birthday celebration. Once in Ruston, the trio stayed at the home of Smith’s parents for the weekend. On Friday, Johnson took Schelmety for a ride in a Yamaha Rhino (a type of “side-by-side” four-wheel ATV) owned by the Smiths, with the Smiths’ permission. Johnson drove along several public streets and, while navigating a turn at the end of a cul-de-sac, flipped the vehicle, which pinned Schelmety’s arm to the ground. The accident shattered and crushed her forearm, wrist, and hand.
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