Morgan v. Allstate Ins. Co.

In May 1996, Shirley M. Morgan sued Cory Shane Jones, Allstate Insurance Company ("Allstate"), and State Farm Mutual Automobile Insurance Company ("State Farm"), alleging that Jones had negligently and/or wantonly caused his truck to collide with a car in which she was a passenger. Morgan requested underinsured- motorist coverage from Allstate, the insurer of the driver of the car in which she was a passenger, and from State Farm, her own insurer. State Farm is also the insurer of Jones. Morgan settled her claim against Jones, and Jones was dismissed as a defendant.

The case was tried to a…