UIM Endorsement Doesn’t Cover Worker Injured While Not Occupying Employer’s Truck

By Richard Wolf | November 1, 2016

  • November 2, 2016 at 8:24 pm
    Jeff says:
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    Interesting post. A few years ago I represented the family of a paramedic killed by another driver while standing approximately 500 feet from her ambulance on the side of a highway. The driver who caused her death had minimal insurance coverage. We pursued additional claims for the ambulance company’s uninsured/underinsured coverage. The essential issue was whether or not the paramedic fit into the definition of that policy providing coverage to anyone “using” the covered ambulance.

    We were successful in winning a judgment that despite being 500 feet from the ambulance, she was using it to signal oncoming traffic (by activating its flashing lights) and was covered. Many states have cases agreeing with this principle – most of those cases involve police, paramedics, wrecker drivers, etc., who are arguably using their vehicles even though a significant distance from them.



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