King v. Nationwide Insurance

This appeal raises the question whether underinsured motorist coverage provided in an employer’s insurance policy extends to a deceased employee whose fatal injuries were sustained in the course of employment as the result of an automobile accident with an underinsured motorist, where the employee was not listed as a designated driver nor was he in an auto named under the policy issued to his employer.

For the reasons that follow, we hold that the employee, Gordon, was covered by his employer’s insurance policy.

I

A

The insurance policy before the court is a standard form policy, applicable to…