Galbraith v. National Union Fire Insurance Co. of Pittsburgh

Clifford Galbraith appeals from a declaratory judgment limiting the amount of underinsured motorist (UIM) coverage available under a policy issued by National Union Fire Insurance Company of Pittsburgh (National Union). The trial court declared that Galbraith’s employer, the named insured under the policy, executed a valid partial waiver of UIM coverage. Because the insured never specified what level of UIM coverage it wished to purchase, the trial court’s ruling must be reversed.

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Galbraith was injured in an automobile accident while driving a vehicle owned by his employer, Alcatel U.S.A.…