AAA Mid-Atlantic Insurance v. Ryan

OPINION

Justice TODD.

In this discretionary appeal, we consider whether, under an insurance policy for un-derinsured motorist (“UIM”) coverage, the amount of an insured’s recovery may be offset by the amount of all damages paid in satisfaction of the underlying judgment, or by only the amount of compensation paid under the auto insurance policy of the underinsured driver/tortfeasor. For the reasons set forth below, we hold that the amount of damages which may be offset against recovery under a UIM policy includes damages recovered from all tortfea-sors. Accordingly, we reverse the order of the…