Who Bears the Burden of Proving a Plaintiff is Covered by the Limited Tort Option?

In the case of Rogers v. Blair, No. 2:24-CV-01534-ETH (E.D. Pa. July 28, 2025 Hey, M.J.), a federal magistrate judge addressed the issue of how to resolve a dispute over whether or not a motor vehicle accident Plaintiff was covered under the limited tort option.

In this matter, on the issue of whether the Plaintiff was covered under the limited tort option or the full tort option, the record revealed that the only evidence in the case was that the Plaintiff testified at his deposition that he was unsure as to which coverage he selected.

The court ruled that, because the issue of the limited tort defense is considered an affirmative defense, Defendants bear the burden of proving a limited tort election. In this regard, the court cited to the case of Sanderson v. Cruz, U.S., 88 F. Supp. 2d 388, 392 (E.D. Pa. 2000). The court also noted that a Plaintiff’s uncertainty as to which coverage he or she may have selected is not determinative on the issue. In this regard, the court cited with a “see” signal Vaughan v. Williams, 725 EDA 2023, 2024 WL 1231352, at *3-5 (Pa. Super. 2024) (affirming trial court’s decision finding that Plaintiff elected limited tort as a matter of law, focusing its analysis on the signed tort election form and associated policy documents, as opposed to phone call transcripts and oral statements).

In this Opinion, the court noted that the Plaintiff’s decision to raise this limited tort election issue through a Motion In Limine rather than through an earlier a Motion for Partial Summary Judgment, combined with the absence of the relevant insurance documents, rendered the resolution of this matter ill-time given that it was presented on the eve of trial. 

As such, the judge denied the Plaintiff’s Motion in Limine to have the Plaintiff deemed to be full tort as a matter of law.  Presumably, the defense was going to be permitted to present evidence a trial through an insurance representative as to the Plaintiff’s election of a limited tort choice.

In another decision of note in this Opinion, the court barred a Defendant in a rear-end motor vehicle accident from arguing at trial that the Plaintiff was not injured in the accident given that both parties had acknowledged, through expert testimony, that the Plaintiff had indeed sustained some form of injury.

Anyone wishing to review a copy of this decision may click this LINK.  The court's companion Order can be viewed HERE.


Source: “Article – “Defendant Can’t Argue Rear-End Crash Didn’t Result In Injuries, Pa. Fed. Court Rules Citing Defense Expert Report” By Riley Brennan The Legal Intelligencer (July 30, 2025).

Source of image:  Photo by Niki Nikitaxnikin on www.pexels.com.

Court Dismisses Negligent Entrustment Claim Against Parents Relative to Use of Cell Phone by Child

In the case of JH v. Dunmore School District, No. 3:24-CV-1154 (M.D. Pa. Aug. 8, 2025 Munley, J.), Judge Julia K. Munley of the Federal Middle District Court of Pennsylvania addressed various Motions to Dismiss filed by different Defendants relative to a case involving allegations that certain middle school student allegedly recorded a minor Plaintiff who was on the autism spectrum, inside a bathroom stall at the school and then allegedly disseminating that video to other students who also allegedly shared the video with others.

Among the claims presented by the Plaintiffs were allegations of negligence entrustment and intentional infliction of emotional distress against the minor Defendants at issue and their parents. The negligent entrustment claim was that the parents had negligently entrusted a cell phone owned by the parents to their children.

The court granted in part and denied in part the request for a dismissal of the negligent entrustment claims asserted against the parents given that the Plaintiffs did not allege facts to support their conclusion that the parent Defendants knew or should have known that their children would use their cell phones in ways that would hurt people.

The court also noted that, based upon the facts alleged by the Plaintiff, which included references to school policy and state law, the Plaintiffs’ allegations actually support the proposition that the parent Defendants yielded control of the cell phones, or the use of the cell phones to the teachers and administrators when their children were at school. 

In this regard, the court pointed to the school district’s rules requiring students to refrain from utilizing their cell phone on the school ground during school hours. 

The court emphasized that the alleged negligent conduct of the students took place during the course of the school day and that there were no allegations that any of the minor Defendants in this action shared the video of the minor Plaintiff outside of the school day. 

The court in this matter did allow the Plaintiffs’ claims or intentional infliction of emotional distress to proceed against the parent Defendants.

The court otherwise dismissed a number of claims asserted against the school district and school officials but allow the Plaintiffs to file another Amended Complaint relative to the possible civil rights allegations under 42 U.S.C. §1983.

The court allowed the claims of punitive damages to remain in the case relative to the claims of intentional infliction of emotional distress.

Anyone wishing to review a copy of this decision may click this LINK.  The Court's companion Order can be viewed HERE.

Source of image:  Photo by Tracy Le Blanc on www.unsplash.com.