Cullum v. Farmers Insurance Exchange

DURHAM, Justice:

Plaintiffs appeal from a judgment that defendants are obligated to pay them only $20,000 per person, or a total of $40,000, in coverage for damages incurred in an automobile accident. We reverse and remand.

*923On April 9, 1989, plaintiff Patrick Cullum and Tammy Yates, a minor,1 were injured when an automobile driven by Richard Smith struck the motorcycle on which they were riding. Mr. Smith was driving the car with the permission of the daughter of Melvin Fish, the car’s owner. Mr. Smith was not a member of Mr. Fish’s household, nor was he a named insured under Mr. Fish’s…