Judge Rules for Auto Insurer ; Says Putting Surcharge on Driver in Accident No Admission of Fault

A single justice of the state Appeals Court has ruled that an insurance company isn't necessarily liable to cover injuries sustained in an accident just because it imposes a penalty on the driver who caused the accident.In his decision on Tuesday, Judge James McHugh said that a surcharge placed on a driver is not tantamount to a company's admission that the driver is at fault for purposes of compensating an injured party.The ruling goes back to a Dec. 31, 1998, accident in which Norwell resident Thomas Beach was leaving a Scituate restaurant and asked his 15-year-old daughter to warm up the family car.....

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