Jones v. Horace Mann Insurance

OPINION

RIDGELY, President Judge.

Plaintiffs Robert C. Jones and Ethel Jones (“the Joneses”) seek underinsured motorist benefits1 (“UIM”) from their insurance car*391rier, Horace Mann Insurance Company (“Horace Mann”), for injuries that Mr. Jones sustained in a two-vehicle accident. At the time of the accident, the Joneses possessed three vehicles which were insured by Horace Mann at different levels of UIM coverage. They first settled with the tortfeasor, Armando Dasilva, for Dasilva’s full liability coverage. The Joneses then sought to recover UIM benefits pursuant to a policy that covered a…