Driver claims 21st Century Insurance won't pay for accident with phantom vehicle

Kelly Holleran Feb. 1, 2012, 1:00am


A woman claims her insurance company refuses to pay her for damages she incurred following a car collision.

Roevenia Moore filed a lawsuit Jan. 18 in St. Clair County Circuit Court against 21st Century Insurance and Financial Services.

In her complaint, Moore alleges she drove east on St. Louis Avenue near its intersection with 15th Street in East St. Louis on Feb. 18, 2010, when a "phantom vehicle" drove into her lane and struck the left side of her vehicle.

Because of the collision, Moore sustained injuries to her neck, left shoulder, left side, left hip, left leg and back and endured a fractured ankle, according to the complaint. In addition, she suffered from headaches, severe physical pain and mental anguish; experienced a diminished ability to work; and incurred medical costs of $4,571.01, the suit states.

At the time of the accident, Moore had an insurance policy with 21st Century that promised to reimburse her for any costs she incurred because of an accident with an uninsured driver. In her complaint, Moore is seeking to collect from her insurance policy.

She says the accident was not her fault. Moore blames the phantom driver for negligently driving too fast, for failing to keep a lookout ahead, for failing to stop or swerve to avoid a collision and for failing to warn of an impending collision.

In her complaint, Moore is seeking a judgment of more than $50,000, plus costs.

She will be represented by Stuart Cofman of Cofman and Townsley in Clayton.

St. Clair County Circuit Court case number: 12-L-31.

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