Davis v. State Budget & Control Board

Bell, Judge:

This is a declaratory judgment action to determine whether the State Insurance Reserve Fund must offer underinsured motorist coverage to those state agencies and political subdivisions to which it provides motor vehicle liability coverage. Relying on State Farm Mutual Automobile Insurance Company v. Wannamaker, 291 S. C. 518, 354 S. E. (2d) 555 (1987), the circuit court ruled that the Fund must offer underinsured motorist insurance to its insureds. We reverse.

Earl J. Davis is a police officer of the Town of Goose Creek, South Carolina. He was struck by an oncoming car when he was…