Progressive Casualty Insurance v. Leachman

Chief Justice TOAL:

The Honorable David C. Norton of the United States District Court, District of South Carolina, certified questions to this Court asking whether an insurer made a meaningful offer of under insured motorist coverage (“UIM”).

Factual / Procedural Background

In April 2001, Louis Leachman (“Leachman”) purchased an automobile insurance policy from Progressive Casualty Insurance Company (“Progressive”). Leachman purchased a $300,000 combined single limits liability policy. Leachman selected UIM coverage by marking a line designated $100,000 / $300,000 / $50,000 on the offer form. He…