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IN THE SUPREME COURT OF APPEALS OF WEST VIRGINIA
 

January 2016 Term FILED 

January 26, 2016 

released at 3:00 p.m. No. 15-0013 RORY L. PERRY II, CLERK 

SUPREME COURT OF APPEALS 

OF WEST VIRGINIA 

JOHN DOE, an unknown driver,
 

Petitioner
 

v. 

HASIL PAK,
 

Respondent
 

Appeal from the Circuit Court of Monongalia County
 

The Honorable Phillip D. Gaujot, Judge
 

Civil Action No. 11-C-621
 

REVERSED AND REMANDED
 

Submitted: January 20, 2016
 

Filed: January 26, 2016
 

Tiffany R. Durst, Esq. John R. Angotti, Esq. 

Nathaniel D. Griffith, Esq. David J. Straface, Esq 

Pullin, Fowler, Flanagan, Brown & Poe, Angotti & Straface 

PLLC Morgantown, West Virginia 

Morgantown, West Virginia Counsel for the Respondent 

Counsel for the Petitioner 

CHIEF JUSTICE KETCHUM delivered the Opinion of the Court. 

JUSTICE DAVIS concurs in part, and dissents in part, and reserves the right to file 

a separate opinion. 
 

 

 

 

 

 

 

 

 

SYLLABUS BY THE COURT 

1. “It is generally recognized that there can be only one recovery of 

damages for one wrong or injury. Double recovery of damages is not permitted; the law 

does not permit double satisfaction for a single injury.” Syl. Pt. 7, in part, Harless v. 

First Nat’l Bank, 169 W.Va. 673, 289 S.E.2d 692 (1982). 

2. When an insurer makes an advance payment to a tort-claimant upon 

condition that the advance payment will be credited against a future judgment or 

determination of damages, the damages recovered by the claimant on a subsequent 

judgment shall be reduced by the amount of the advance payment. 

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Chief Justice Ketchum: 

The respondent, Ms. Hasil Pak, was injured in a car wreck caused by an 

unknown, hit-and-run driver. Ms. Pak filed an uninsured motorist suit against the 

unknown driver, “John Doe,” seeking damages for her injuries. Her uninsured motorists’ 

insurance carrier was the petitioner, State Farm, who defended the lawsuit.1 

Before trial, State Farm advanced Ms. Pak $30,628.15, on her damages. 

After a jury returned a verdict for Ms. Pak, the Circuit Court of Monongalia County 

entered a judgment order on December 4, 2014, refusing State Farm any credit against 

the final judgment for the advance payment. 

State Farm now appeals the circuit court’s order asserting that the court 

erred in refusing to credit the advance payment against the final judgment. State Farm 

also alleges that the circuit court erred in calculating prejudgment interest. 

Upon review, we agree that the circuit court erred when it refused to credit 

State Farm’s advance payment against the final judgment. The circuit court also erred in 

calculating prejudgment interest. We reverse the circuit court’s December 4, 2014, 

judgment order and remand this case for proceedings consistent with this opinion. 

1 West Virginia Code § 33-6-31(c) [2015] provides that: “[a] motor vehicle 

shall be deemed to be uninsured if the owner or operator thereof be unknown[.]” 

Accordingly, an action for damages “may be instituted against the unknown defendant as 

‘John Doe[.]’” W.VA. CODE § 33-6-31(e)(3) [2015]. The action is served on the 

plaintiff’s uninsured motorists’ insurance carrier “as though such insurance company 

were a party defendant. The insurance company has the right to file pleadings and take 

other action allowable by law in the name of John Doe.” Id. 

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I.
 

FACTUAL AND PROCEDURAL BACKGROUND
 

On November 23, 2009, Ms. Pak was involved in a car wreck when an 

unknown, hit-and-run driver allegedly crossed into her lane while traveling in the 

opposite direction and hit her car. Ms. Pak was physically injured, and she claims her 

injuries kept her from, inter alia, performing her housework. An expert testified as to the 

value of the housework that she was unable to perform. However, she did not claim she 

paid, or incurred an obligation to pay, for help with her housework. 

Ms. Pak had a motor vehicle insurance policy from State Farm. Pursuant to 

the medical payments coverage of this policy, State Farm paid $25,000.00 for Ms. Pak’s 

medical bills. 

Additionally, Ms. Pak had coverage for uninsured motorists with a limit of 

$100,000.00 for personal injuries. Pursuant to the uninsured motorists’ coverage, State 

Farm offered to settle Ms. Pak’s case for $30,628.15. Ms. Pak refused the offer. 

Ms. Pak filed a complaint against the unknown (and therefore uninsured) 

“John Doe” in the circuit court and served State Farm with the complaint to recover 

damages from her uninsured motorists’ coverage. Prior to trial, State Farm offered to pay 

Ms. Pak $30,628.15 as an advance payment toward any subsequent judgment.2 Pursuant 

to this offer, State Farm sent the following letter to Ms. Pak’s counsel on June 29, 2012: 

2 “The term ‘advance payment’ refers to the ‘laudable practice’ of 

expediting relief to an injured party by making payment prior to, and in anticipation of, a 

future settlement or judgment.” 47 AM. JUR. 2d Judgments § 822 (2015) (footnote 

omitted). 

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Your client’s current demand is $100,000.00; which is 

the policy limit. At this time, it appears we have reached an 

impasse. I am enclosing our payment for the amount of the 

initial offer since our last evaluation. The initial offer was 

$30,628.15. . . . 

This payment will also be credited against any final 

determination of damages. 

This payment should be considered an advance 

without prejudicing your client’s right to receive a higher 

amount in the future through continued negotiations. . . . This 

offer or your acceptance thereof, does not waive any 

defenses, we may have now or in the future, under the policy. 

(Emphasis added). Ms. Pak’s counsel negotiated State Farm’s check. 

State Farm and Ms. Pak continued to disagree on the extent of her damages, 

and the case went to trial in September 2013. The jury returned a verdict of $101,000.00, 

exclusive of prejudgment interest, which included the following: $25,000.00 for medical 

expenses; $30,000.00 for loss of earning capacity; $10,000.00 for loss of household 

services to date; $6,000.00 for pain, suffering, mental anguish, and loss of enjoyment of 

life to date; and $30,000.00 for pain, suffering, mental anguish, and loss of enjoyment of 

life to be incurred in the future. The circuit court reduced the $101,000.00 verdict to 

$70,700.00 because the jury found Ms. Pak to be 30% at fault in the car wreck. 

Ms. Pak submitted a proposed final order that did not credit State Farm for 

its payment of $25,000.00 on its medical payments coverage or its $30,628.15 advance 

payment on its uninsured motorists’ coverage. State Farm objected to the proposed order 

on two grounds: (1) the judgment should be reduced by these payments and prejudgment 

interest should not accrue on them; and (2) prejudgment interest should not accrue on the 

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damages awarded for “loss of household services” because she did not expend money, or 

incur any financial obligation, for those services. 

On May 14, 2014, the circuit court entered an order ruling on State Farm’s 

objections. In its order, the circuit court found that Ms. Pak’s judgment should be 

reduced by State Farm’s $25,000.00 payment on its medical payments coverage for Ms. 

Pak’s medical bills, and thus, prejudgment interest should not accrue on that amount.3 

However, the circuit court refused to credit State Farm for its $30,628.15 advance 

payment or omit that amount from the calculation of prejudgment interest. As to this 

advance payment, the circuit court concluded that: “this amount was gratuitously paid by 

State Farm . . . this payment could very well be found to constitute a gift[.]” 

State Farm filed a motion to alter or amend the circuit court’s May 14, 

2014, order. In its motion, State Farm contended the circuit court erred by refusing to 

credit it for the $30,628.15 advance payment and incorrectly calculated prejudgment 

interest. The circuit court denied State Farm’s motion, and on October 3, 2014, it entered 

a judgment order which failed to credit State Farm for any of the earlier payments, 

including the $25,000.00 payment under its medical payments coverage or the 

$30,628.15 advance payment on its uninsured motorists’ coverage. 

3 A “non-duplication” of benefits provision in an underinsured motorists’ 

policy permits an insurer to reduce the insured’s damages by amounts received under 

medical payments coverage. State Farm Mut. Auto. Ins. Co. v. Schatken, 230 W.Va. 201, 

737 S.E.2d 229 (2012). But see, Schatken, 230 W.Va. at 212, 737 S.E.2d at 240 

(Ketchum, C.J., dissenting) (The non-duplication of benefits provision is contrary to the 

plain language of West Virginia’s uninsured motorists’ statute). 

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State Farm then filed a second motion to alter or amend, this time as to the 

circuit court’s October 3, 2014, judgment order. On December 4, 2014, the circuit court 

entered the amended judgment order that is the basis for this appeal. In this order, the 

circuit court credited State Farm for its $25,000.00 payment under Ms. Pak’s medical 

payments coverage and ruled that prejudgment interest did not accrue on that amount. 

However, the circuit court ruled again that State Farm’s $30,628.15 advance payment 

was likely a “gift.” Therefore, the circuit court gave State Farm no credit for this advance 

payment, and it was included in the calculation of prejudgment interest. In addition, 

prejudgment interest was calculated on the $10,000.00 awarded for “loss of household 

services” even though Ms. Pak made no out-of-pocket expenditures to have someone else 

perform her housework. State Farm now appeals the circuit court’s December 4, 2014, 

judgment order to this Court. 

II.
 

STANDARD OF REVIEW
 

State Farm requests that we review the circuit court’s denial of its motion to 

alter or amend judgment. We have held: “The standard of review applicable to an appeal 

from a motion to alter or amend a judgment, made pursuant to W.VA. R. CIV. P. 59(e), is 

the same standard that would apply to the underlying judgment upon which the motion is 

based and from which the appeal to this Court is filed.” Syl. Pt. 1, Wickland v. Am. 

Travellers Life Ins. Co., 204 W.Va. 430, 513 S.E.2d 657 (1998). 

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Accordingly, “We review the final order and the ultimate disposition under 

an abuse of discretion standard, and we review the circuit court’s underlying factual 

findings under a clearly erroneous standard. Questions of law are subject to a de novo 

review.” Syl. Pt. 2, in part, Walker v. W.Va. Ethics Comm’n, 201 W.Va. 108, 492 S.E.2d 

167 (1997). To the extent this appeal is based on the calculation of prejudgment interest, 

it is subject to de novo review. State Farm Mut. Auto. Ins. Co. v. Rutherford, 229 W.Va. 

73, 76, 726 S.E.2d 41, 44 (2011). 

III.
 

ANALYSIS
 

State Farm raises three issues for appeal. First, State Farm made a 

$30,628.15 advance payment under its uninsured motorists’ coverage to Ms. Pak, which 

was accompanied by a letter stating: “This payment will also be credited against any final 

determination of damages.” State Farm argues that the circuit court’s failure to credit it 

for this advance payment requires it to pay Ms. Pak twice for the same damages and thus 

violates public policy. Second, State Farm argues the circuit court was required to deduct 

the $30,628.15 advance payment before calculating prejudgment interest on Ms. Pak’s 

judgment. Finally, State Farm asserts prejudgment interest does not accrue on the award 

for “loss of household services” because she did not expend funds or incur any financial 

obligation for household services. 

A. State Farm’s $30,628.15 Advance Payment to Ms. Pak 

State Farm made a $30,628.15 advance payment to Ms. Pak before trial, 

which according to the accompanying letter, would “be credited against any final 

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determination of damages.” Ms. Pak accepted this money, but now she opposes a credit 

for State Farm’s advance payment. In essence, she wants to collect $30,628.15 from 

State Farm twice for the same damages. 

State Farm argues that the circuit court allowed for a windfall for Ms. Pak 

by refusing credit for its advance payment. It contends that this double recovery by Ms. 

Pak directly contradicts West Virginia public policy. We agree. 

West Virginia law evinces a “strong public policy against the plaintiff 

recovering more than one complete satisfaction.” Bd. of Educ. of McDowell Cnty v. 

Zando, Martin & Milstead, 182 W.Va. 597, 606, 390 S.E.2d 796, 805 (1990). “It is 

generally recognized that there can be only one recovery of damages for one wrong or 

injury. Double recovery of damages is not permitted; the law does not permit double 

satisfaction for a single injury.” Syl. Pt. 7, in part, Harless v. First Nat’l Bank, 169 

W.Va. 673, 289 S.E.2d 692 (1982). See also Zando, Martin & Milstead, 182 W.Va. at 

605, 390 S.E.2d at 804 (“[T]he use of the verdict credit [for joint tortfeasors] ensures 

against double recovery by the plaintiff.”). 

Likewise, we have recognized that the primary goal of our 

uninsured/underinsured motorists’ statute is “full compensation, without duplicating 

benefits.” State Auto Mut. Ins. Co. v. Youler, 183 W.Va. 556, 568, 396 S.E.2d 737, 749 

(1990) (referencing W.VA. CODE § 33-6-31(b)). Indeed, “The goal of providing full 

indemnification to individuals injured by . . . inadequately insured motorists would be 

well served by employing setoffs so [that] they apply to avoid the duplication of benefits, 

rather than the reduction of liability for the insurer[.]” Id., 183 W.Va. at 570, 396 S.E.2d 

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at 751 (quotations and citations omitted). See also, Syl. Pt. 4, State Farm Mut. Auto Ins. 

Co. v. Schatken, 230 W.Va. 201, 737 S.E.2d 229 (2012) (allowing reduction of damages 

owed by insurer to its insured on underinsured motorists’ coverage by the amount the 

insurer paid under the insured’s medical payments coverage). 

For similar reasons, jurisdictions that have considered this issue 

overwhelmingly support a credit against any final judgment for advances paid by an 

insurer.4 For example, the Supreme Court of Alabama recognized that “a common theme 

runs through advance payment cases: Giving credit for advance payments prevents the 

injured party from being reimbursed twice for the same injury.” Keating v. Contractors 

Tire Serv., Inc., 428 So. 2d 624 (Ala. 1983). Of this common theme, the Supreme Court 

of South Carolina observed: “Why should the respondent be allowed to collect $12,500 

on a judgment that the jury has assessed at $7,000.00? The disjointedness of the question 

perhaps suggests why it has not been necessary heretofore to litigate it.” Russell v. Ashe 

Brick Co., 267 S.C. 640, 230 S.E.2d 814 (1976). 

Not only does a credit for advance payments protect an insurer from having 

to pay twice for the same damages, but it also benefits insureds by encouraging expedited 

4 See Douglas v. Adams Trucking Co., Inc., 345 Ark. 203, 46 S.W.3d 512 

(2001); Howard v. Abernathy, 751 S.W.2d 432 (Tenn.Ct.App. 1988); Keating v. 

Contractors Tire Serv., Inc., 428 So. 2d 624 (Ala. 1983); Ferris v. Anderson, 255 N.W.2d 

135 (Iowa 1977); Russell v. Ashe Brick Co., 267 S.C. 640, 230 S.E.2d 814 (1976); 

Edwards v. Passarelli Bros Auto. Serv. Inc., 8 Ohio St.2d 6, 221 N.E.2d 708 (1966). To 

date, there has been only one jurisdiction to deny a credit for an advanced payment. In 

Matthews v. Watkins Motor Lines, Inc., 419 So. 2d 1321 (Miss. 1982), the Supreme Court 

of Mississippi ruled for the insured plaintiff on a procedural technicality. Even in that 

case, the court stated: “advance payments made to injured persons serve a very desirable 

humanitarian purpose and should be encouraged[.]” Id. at 1323. 

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payment without resort to trial. As the Supreme Court of Iowa has noted: “there are good 

reasons to support the advance payment concept, not the least of which is the plain 

economic need of a severely injured person and the delays of our court system.” Ferris v. 

Anderson, 255 N.W.2d 135, 138 (Iowa 1977). Likewise, commentators have remarked 

that advance payments: 

[H]ave been designed to avoid criticisms which have 

been leveled at the liability insurance system on the ground 

that the injured party is normally in no financial position to 

await the outcome of a trial which might be long delayed and 

that therefore liability insurers are in a position to exert 

leverage in forcing a settlement more favorable than might 

otherwise be available because of the pressure of the injured 

party’s financial necessities. 

W. E. Shipley, Effect of Advance Payment by Tortfeasor’s Liability Insurer to Injured 

Claimant, 25 A.L.R.3d 1091 (1966). 

We are compelled by this rationale to follow our sister jurisdictions in 

recognizing a credit for advance payments. Therefore, we hold that when an insurer 

makes an advance payment to a tort-claimant upon condition that the advance payment 

will be credited against a future judgment or determination of damages, the damages 

recovered by the claimant on a subsequent judgment shall be reduced by the amount of 

the advance payment.5 

5 Conversely, “If the amount of the advance payment . . . exceeds the 

subsequent judgment rendered, the judgment is deemed satisfied. This is in keeping with 

the rule that a judgment holder is entitled to only one satisfaction of the claim.” 47 AM. 

JUR. 2d Judgments § 822 (2015) (footnotes omitted). 

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The circuit court found that State Farm’s advance payment was a “gift,” or 

a “gratuitous offer.” This conclusion “strikes us wrong with the ‘force of a five-weekold, unrefrigerated dead fish.’” Brown v. Gobble, 196 W.Va. 559, 563, 474 S.E.2d 489, 

493 (1996) (quoting United States v. Markling, 7 F.3d 1309, 1319 (7th Cir. 1993)). 

The letter accompanying the $30,628.15 advance payment clearly stated: 

“This payment will also be credited against any final determination of damages.” This 

statement is self-explanatory. It was abundantly clear that State Farm was paying an 

advance against any future judgment from this case. Without question, Ms. Pak accepted 

the payment under that condition.6 State Farm’s advance payment was not a “gift.” 

Therefore, the circuit court clearly erred by failing to reduce the jury’s verdict by the 

$30,628.15 advance payment when it calculated the final judgment.7 

6 Ms. Pak is a Korean immigrant with limited English-speaking skills. If a 

language barrier kept her from understanding State Farm’s letter, it would have been 

incumbent on her lawyer to adequately explain its meaning. 

7 Ms. Pak argues that State Farm may not prevail on the advance payment 

issue because it was raised after the September 2013 trial. A motion to alter or amend 

judgment “is not a vehicle for a party to . . . advance arguments that could and should 

have been presented to the trial court prior to judgment.” Corp. of Harpers Ferry v. 

Taylor, 227 W.Va. 501, 506, 711 S.E.2d 571, 576 (2011) (quoting FRANKLIN D. 

CLECKLEY, ROBIN JEAN DAVIS & LOUIS J. PALMER, JR., LITIGATION 

HANDBOOK ON WEST VIRGINIA RULES OF CIVIL PROCEDURE §59(e) at 1179 

(3d ed. 2008)). Thus, a motion to alter or amend judgment is not appropriate for 

asserting a new legal theory. 

However, State Farm first raised the advance payment issue in its 

objections to Ms. Pak’s proposed final order, not in a motion to alter or amend judgment. 

State Farm filed its objections in November 2013, well before the circuit court’s 

judgment entered on October 3, 2014, or its amended judgment entered on December 4, 

2014. 

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B. Credit for State Farm’s Advance Payment and Prejudgment Interest 

State Farm also argues that the circuit court’s failure to deduct its 

$30,628.15 advance payment caused error in calculating prejudgment interest. It further 

contends that prejudgment interest is properly calculated after deducting all credits, 

payments, and set-offs. Because judgment against State Farm should have been for 

$30,628.15 less, so should the amount on which it pays prejudgment interest. 

We have held: “payment of prejudgment interest shall be on the special 

damages portions of judgments or decrees for the payment of money, not on verdicts.” 

State Farm Mut. Auto. Ins. Co. v. Rutherford, 229 W.Va. 73, 78, 726 S.E.2d 41, 46 

(2011) (emphasis added). Generally, a circuit court must deduct all proper credits, 

payments, and set-offs before calculating prejudgment interest. Dan Ryan Builders, Inc. 

v. Crystal Ridge Dev., Inc., No. 1:09 CV 161, 2013 WL 5352844 (N.D. W.Va. 2014) 

(applying West Virginia law). For example, in Rutherford, the plaintiff received 

$130,000.00 in pre-trial settlements before gaining a $175,000.00 jury verdict. We found 

that “the circuit court should have deducted $130,000.00 from $175,000.00 and then 

calculated prejudgment interest on the special damages portion of the remaining amount 

of $45,000.00.” Rutherford, 229 W.Va. at 79, 726 S.E.2d at 47. 

Finally, Ms. Pak filed her proposed final order after the September 2013 

jury trial. Accordingly, State Farm had nothing to object to until that time. See 

Passarelli, 8 Ohio St.2d at 8-9, 221 N.E.2d at 710-711 (Defendant insurer could request 

credit for advance payment after trial because it was not until then that right to receive 

credit came into existence.). 

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After deducting all proper credits, payments, and set-offs, the circuit court 

then determines “the special damages portion of the remaining amount.” See, e.g., Small 

v. Jack B. Kelly, No. 1:10 CV 121, 2012 WL 4056745 (N.D. W.Va. 2012) (applying 

West Virginia law). 

We agree with State Farm that the circuit court was required to deduct State 

Farm’s $30,628.15 advance payment from Ms. Pak’s verdict and then calculate 

prejudgment interest on the special damages portion of the remaining amount. The 

circuit court erred in failing to do so. 

C. Prejudgment Interest on “Loss of Household Services.” 

The circuit court also found that Ms. Pak was entitled to prejudgment 

interest under West Virginia Code § 56-6-31 [2006] for “past loss of household 

services.”8 We have held: “prejudgment interest under W.Va. Code, 56-6-31 [1981] is to 

8 State Farm does not appeal the trial court allowing an expert to testify as 

to the value of the housework she was unable to perform due to the wreck. Ms. Pak did 

not incur expense in obtaining help with her housework, and there is no evidence that 

anyone gratuitously performed housework for her or that another person was damaged as 

a result of the loss of her household services. See Kretzer v. Moses Pontiac Sales, Inc., 

157 W.Va. 600, 201 S.E.2d 275 (1973); Kenney v. Liston, 233 W.Va. 620, 760 S.E.2d 

434 (2014). But see, Johnson v. Buckley, No. 11-0060, 2011 WL 8199962 (W.Va. 2011). 

In the author’s opinion, a plaintiff’s mere loss of the ability to do 

housework is a customary activity, and is not subject to economic calculation. We have 

held that “The loss of customary activities constitutes the loss of enjoyment of life.” 

Flannery v. U.S., 171 W.Va. 27, 30, 297 S.E.2d 433, 436 (1982). “The loss of enjoyment 

of life resulting from a permanent injury is part of the general measure of damages 

flowing from the permanent injury and is not subject to an economic calculation.” Syl. 

Pt. 4, Wilt v. Buracker, 191 W.Va. 39, 443 S.E.2d 196 (1993). See also Liston v. Univ. of 

W. Va. Bd. of Trustees, 190 W.Va. 410, 415, 438 S.E.2d 590, 595 (1993) (Trial court 

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be recovered only on special or liquidated damages[.]” Grove v. Myers, 181 W.Va. 342, 

348, 382 S.E.2d 536, 542 (1989). “[G]eneral damages, such as pain and suffering, [are] 

not subject to prejudgment interest.” Id., 181 W.Va. at 349, 382 S.E.2d at 543. Because 

Ms. Pak’s loss of household services were not liquidated damages, the issue becomes 

whether Ms. Pak’s loss of household services are “special damages” as defined by West 

Virginia Code § 56-6-31. 

West Virginia Code § 56-6-31 defines special damages as “lost wages and 

income, medical expenses, damages to tangible personal property and similar out-ofpocket expenditures, as determined by the court.” The circuit court found that Ms. Pak’s 

loss of household services constituted an “out-of-pocket expenditure” even though she 

did not hire anyone to help her with household chores, expend any money for household 

services, or incur an obligation to pay for assistance with housework. Rather, her chores 

were neglected during this time. State Farm argues that, under the plain language of 

West Virginia Code § 56-6-31, Ms. Pak’s loss of household services were not a “similar 

out-of-pocket expenditure” because she did not pay, or incur an obligation to pay, for 

household services. 

We have held that actual “[e]xpenditures for household services are 

included within the phrase ‘similar out-of-pocket expenditures’ used in W.Va. Code, 56­

6-31 (1981), and prejudgment interest may be awarded under that section.” Syl. Pt. 8, 

Wilt v. Buracker, 191 W.Va. 39, 443 S.E.2d 196 (1993). We further explained that these 

erred when it admitted an expert’s economic calculations concerning plaintiff’s damages 

for loss of enjoyment of life.). 

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expenditures were “out-of-pocket funds the plaintiffs lost due to the negligence of the 

defendant’s decedent[.]” Id., 191 W.Va. at 51-52, 443 S.E.2d 208-09 (emphasis added). 

Thus, our holding in Wilt authorizes prejudgment interest for loss of household services 

only where the claimant has incurred an obligation to pay some sort of compensation for 

household services. 

Therefore, Ms. Pak is not entitled to prejudgment interest under West 

Virginia Code § 56-6-31 for her loss of household services because she did not pay, or 

incur an obligation to pay, for those services. The circuit court erred by finding 

otherwise. 

IV.
 

CONCLUSION
 

The circuit court erred when it failed to deduct State Farm’s $30,628.15 

advance payment against the final judgment. The circuit court also erred by awarding 

prejudgment interest on State Farm’s $30,628.15 advance payment and on Ms. Pak’s 

award for loss of household services. Accordingly, we reverse the trial court’s December 

4, 2014, judgment order and remand this case for proceedings consistent with this 

opinion. 

Reversed and Remanded. 

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