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STATE FARM MUT. AUTO. INS. CO. v. BALDWIN

Nos. 2010-SC-000144-DG, 2010-SC-000665-DG.

373 S.W.3d 424 (2012)

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Appellant v. James BALDWIN, Appellee. and Ronda Reynolds, Appellant v. Safeco Insurance Company of Illinois, Appellee.

Supreme Court of Kentucky.

August 23, 2012.

Attorney(s) appearing for the Case

Robert Barry Cetrulo , Cetrulo & Mowery, P.S.C., Edgewood, KY, Counsel for Appellant State Farm Mutual Automobile Insurance Company.

Charles Estill Bullard , Bullard & Hayes, Ft. Mitchell, KY, Kenneth Sizemore , London, KY, Counsel for Appellee James Baldwin.

David Allen Barber , Paula Gay Richardson , Richardson, Barber & Williamson, PSC, Owingsville, KY, Counsel for Appellant Ronda Reynolds.

David Lee Sage, II , Hummel, Coan, Miller & Sage, Louisville, KY, Counsel for Appellee Safeco Insurance Company of Illinois.

Opinion of the Court by Chief Justice MINTON.

James Baldwin and Ronda Reynolds allegedly sustained injuries in separate highway incidents after objects came loose from unidentified vehicles and collided with their vehicles. A large piece of plastic sheeting flew from an unknown truck and wrapped itself on the front of Baldwin's vehicle.1 And, in Reynolds's case, a sheet of ice broke free from...

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