Dorsey v. Progressive Classic Ins. Co. (Signed Opinion)Annotate this Case
Petitioner was a guest passenger in a vehicle insured by Progressive Classic Insurance Company when the vehicle was rear-ended by a truck. Petitioner received medical payments coverage under the Progressive policy for some of the medical expenses she incurred for the treatment of her injuries. Petitioner later successfully sued the truck owner and driver and received damages. Progressive subsequently asserted a subrogation lien on the recovery for the amount it paid under the medical payments coverage. Petitioner filed this complaint against Progressive, alleging common law and statutory bad faith claims. The circuit court dismissed the action, determining that because Petitioner was not a named insured under the Progressive policy and paid no premiums for the policy, Petitioner was a third-party insured and was, therefore, precluded from pursuing her bad faith claims against Progressive. The Supreme Court reversed, holding (1) Petitioner was a first-party insured under the Progressive policy because the policy included within the definition of an insured person "any other person while occupying a covered vehicle"; and (2) therefore, Petitioner may pursue an action against Progressive for common law and statutory bad faith.