Auto-Owners Insurance v. Traviss

This panel is confronted with the narrow legal issue of whether a claimant can "stack” or "pyramid” automobile insurance recovery under the uninsured motorist provisions in the following circumstances: (1) claimant’s decedent was the driver of an insured vehicle involved in a fatal accident; (2) he was not the named insured or a family member of the named insured under the policy; and (3) the named insured’s insurance covered two vehicles under a single policy.

Plaintiff insurance carrier, faced with defendant’s demand for "stacked” benefits under the uninsured motorist coverage, brought an…