‘Ethel Adams Law’ Takes Effect In Washington, Defines ‘Accident’ As Event Unexpected And Unintended By Insured

This is a law that makes sense because it follows the language of most insurance policies and the approach of most courts.   Ethel Adams is a woman who was injured in March 2005 when her car was struck during an incident of road rage — some lunatic rammed his girlfriend’s car from behind to run her off the road, pushing the car across the center line and into oncoming traffic, where it demolished Adams’s Hyundai and put her into a coma.  Her auto insurer, Farmers, initially refused to pay uninsured motorist benefits, saying the incident was not an accident.  Here’s a statement given to the Washington Legislature by the Washington Insurance Commissioner on the Ethel Adams bill, which was passed unanimously by both the state House and Senate.  The bill became law yesterday. 

Here’s more on the story from a Seattle Times columnist.  Here is the text of the law, originally designated House Bill 2415 (the key language is near the bottom).

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