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Andrell Dwight, while acting within the scope of her employment with Memorial Hospital, was injured in a minor automobile accident involving an uninsured vehicle. She filed suit against the uninsured driver, Melissa Miller, and her own uninsured motorist insurer, Tennessee Farmers Mutual Insurance Company. A jury awarded Dwight $2,500, but the insurer sought to set off workers' compensation benefits available to Dwight, arguing their liability should be reduced. The trial court agreed, limiting the insurer's liability to $281.26, despite Dwight having waived her right to claim workers' compensation. The appellate court affirmed the trial court's decision, holding that the policy's setoff provision for 'benefits available' was valid and Dwight's unilateral waiver did not increase the insurer's contractual obligations.
Dwight v. Tennessee Farmers Mutual Insurance Co. is a workers' compensation case decided in Court of Appeals of Tennessee. This case addresses legal issues related to compensation claims, benefits, and court rulings.
It is commonly referenced in legal research involving workers' compensation laws in Court of Appeals of Tennessee.
Full Decision Text1 Pages
Andrell Dwight, while acting within the scope of her employment with Memorial Hospital, was injured in a minor automobile accident involving an uninsured vehicle. She filed suit against the uninsured driver, Melissa Miller, and her own uninsured motorist insurer, Tennessee Farmers Mutual Insurance Company. A jury awarded Dwight $2,500, but the insurer sought to set off workers' compensation benefits available to Dwight, arguing their liability should be reduced. The trial court agreed, limiting the insurer's liability to $281.26, despite Dwight having waived her right to claim workers' compensation. The appellate court affirmed the trial court's decision, holding that the policy's setoff provision for 'benefits available' was valid and Dwight's unilateral waiver did not increase the insurer's contractual obligations.
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