A car accident caused by a box left on the road by a “ghost” vehicle is enough to invoke an insurance policy’s uninsured motorist coverage, the 3rd U.S. Circuit Court of Appeals has ruled.
Assuming that a box in the middle of the road could only have landed there by falling off of a car, the three-judge panel was able to reach the case’s main question of whether plaintiff Larry G. Squires’ injuries from hitting the box with his car arose “out of the ownership, maintenance or use of an uninsured auto,” as required by his policy to collect UM benefits.
