Opinion ID: 1859163
Heading Depth: 1
Heading Rank: 4

Heading: Failure to waive the collision deductible

Text: Finally, Sessoms claims that Allstate acted in bad faith when it refused to automatically waive the $200 collision deductible. Sessoms argues that since the accident involved two Allstate insured vehicles, the deductible should have been waived. Like Sessoms's other arguments, we find no merit in this assertion. When Allstate refused to waive this deductible, it had a legitimate and arguable reason to support its position. See Pioneer Life Ins. Co of Illinois v. Moss, 513 So.2d 927, 929 (Miss. 1987). Section DD of the insurance policy states: Allstate will pay for loss to your insured auto or a non-owned auto (including insured loss to an attached trailer) from a collision with another object or by upset of that auto or trailer. The deductible amount will not be subtracted from the loss payment in collisions involving your insured auto and another auto insured by us. The legitimate and arguable reason for which Allstate was able to deny waiving the collision deductible was that the policy language required the other insured auto be involved in the accident. The jury found that White was not at fault for the accident. The White car was not struck. It follows that there is at least an arguable basis for the contention that the White car was not involved in the accident within the meaning of the policy.