After rear-ending another vehicle that had been stopped, an insured individual sought uninsured motorist benefits from his car insurer. The insurer denied his claim, and the arbitrator denied damages to the appellant. The appellant petitioned the trial court to vacate the arbitration award, and the California Court of Appeal affirmed the court’s denial of his petition, finding it was not an appealable order. Specifically, the appellate court turned to California law, which requires that physical contact support an uninsured motorist claim after a Southern California car accident involving allegations of a phantom vehicle.
The appellant in this case argued that he had been hit from behind and pushed into the vehicle in front of him. He argued that the vehicle that struck him had left the scene immediately. The insurer argued no evidence supported his position he had been pushed into the vehicle in front.
The insurance company inspected the appellant’s vehicle for repairs, which were estimated to total approximately $7,000. The front of the vehicle sustained damage, and there was no damage listed to the rear bumper or trunk. Photographs supported the estimate that the damage focused on the front end of the vehicle.