Federici
Federici v. IDS Property Casualty Ins. Co. CA2/2
Opinion
Opinion
BACKGROUND
The accident and claim history On August 10, 2011, Federici was injured in an automobile accident with an underinsured driver. The front airbag in Federici’s vehicle did not deploy, and Federici complained of mouth pain at the scene of the accident. Federici had a six-tooth dental bridge secured in his mouth by two of his own teeth. Concerned about damage to the bridge, Federici went to his regular dentist, Douglas Oswell, two days after the accident. Dr. Oswell examined Federici and found that the bridge was not mobile. Two weeks later, Federici bit down on something and felt the bridge become loose. He went to see a different dentist, who confirmed that the bridge was loose and referred him to an oral surgeon. On September 29, 2011, the oral surgeon informed Federici that the two teeth securing the dental bridge were fractured and had to be removed. The oral surgeon advised Federici that he would need dental implants and a bone graft to secure a new bridge. The process could take a year and Federici would have to wear a temporary dental bridge in the interim. The oral surgeon removed the existing bridge, extracted the two fractured teeth, and provided Federici with a…