Opinion ID: 2672440
Heading Depth: 2
Heading Rank: 2

Heading: Geico Insurance Policy

Text: The drunk driver was an uninsured motorist, but Lockwood had an automobile insurance policy with Geico General Insurance Company. Lockwood’s policy provided two categories of coverage that are relevant here: (1) medical payments coverage and (2) uninsured motorist coverage. The medical payments coverage covered 1 When reviewing a grant of summary judgment, we view the facts in the light most favorable to the nonmoving party. See McCormick v. City of Dillingham, 16 P.3d 735, 738 (Alaska 2001). 2 The hospital report lists two diagnoses: “[c]ervical spine injury” and “[p]aracervical muscle strain.” Cervical means “[r]elating to a neck.” STEDMAN ’S M EDICAL D ICTIONARY 351 (28th ed. 2006). 3 A contemporary report that Lockwood made to her insurer described the same injuries. -3- 6904 “all reasonable [medical] expenses actually incurred by an insured” due to “bodily injury caused by accident,” with payments capped at $10,000.4 The uninsured motorist coverage would “pay damages for bodily injury, caused by an accident, which the insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle,” provided that this benefit would not pay out “until the limits of liability of all bodily injury . . . policies that apply have been used up.”5 The maximum benefit for uninsured motorist coverage was $50,000 per person. The insurance policy established several conditions for receipt of payment under the uninsured motorist coverage, including notice to Geico, “written proof of claim, under oath if required,” and willingness to submit to a medical exam if required. The Geico policy explained that “[t]his [proof of claim] will include details of the nature and extent of injuries, treatment and other facts which may affect the amount payable.”