Allstate Insurance v. Ferrante

An insurer appeals an adverse summary judgment, which declared it liable for uninsured motorist coverage under the terms of an automobile insurance policy. We reverse.

Gina Ferrante, the appellee, was injured when the Lincoln Continental in which she was a passenger struck a legally parked car on the shoulder of the highway. Ferrante’s mother owned the Lincoln, and had given Ferrante’s uninsured boyfriend permission to drive the car.

Ferrante sought and collected the limits of uninsured motorist protection under a policy insuring her own vehicle. She then sought further benefits from her…