The plaintiff was injured in a motor vehicle accident when she was allegedly cut off by an unidentified black pick-up truck.
She sought a declaration that she could access the $1 million limit under her OPCF 44R Family Protection Endorsement.
The insurer argued that the independent witness's statement to the investigating police officer was inadmissible hearsay and could not satisfy the endorsement's corroboration requirement.
The court held that the corroboration requirement in the insurance contract does not strictly require admissible evidence, and the hearsay statement to the police officer provided sufficient independent indication of an unidentified vehicle's involvement to trigger coverage.
