American Fire and Casualty Co. v. Hegel

Adam Fetzer, a delivery driver for the Papa John's restaurant chain, was killed in a car accident in the course of his employment when another driver ran a red light and struck his vehicle. Mary Hegel, the personal representative of Fetzer's estate, sought underinsured motorist (UIM) coverage under a business auto insurance policy issued by American Fire to Papa John's. After American Fire denied the claim, the district court granted summary judgment against American Fire. The court concluded that the district court erred in applying North Dakota law and thus finding American Fire was required to provide UIM coverage to Papa John's. Rather, the policy is subject to Kentucky law, which does not require such coverage. Therefore, American Fire is entitled to judgment in its favor as a matter of law. The court reversed and remanded. View "American Fire and Casualty Co. v. Hegel" on Justia Law