Motor Insurance Litigation
Case Study 4
Instructed by insurers to investigate a motor collision with a claimant who had suffered significant injuries when he was run over by the defendant. The claimant had been on a works night out and had consumed much alcohol. He decided to walk home along a country lane and fell asleep in the middle of the road. The defendant driver in the early hours of the morning was driving to work and drove over the sleeping claimant and immediately went to assist. A claim for negligence was brought against the defendant driver for failing to notice or drive at a speed commensurate with road conditions. A substantial claim for losses by the claimant was brought for injury and future losses. insurers were advised to make a rigorous defence with no offers to settle on the basis it was not reasonably foreseeable that someone would be sleeping in the carriageway of a country lane at very early hours of the morning. Three years of action and eventually the matter came to Trial. The judge found the issue of reasonable forseeeablity the key test in this case and it was unforeseeable and the claimants claim was dismissed entirely.