True v. Raines

Opinion of the Court by

Justice KELLER.

I. ISSUES

This appeal presents two (2) significant issues concerning underinsured motorist (UIM) coverage:(1) Mable Raines (“Raines”) incurred damages of $219,071.00 as a result of a two-vehicle accident caused by Lecia True (“True”), who had liability coverage of only $100,000.00. Raines, who was driving her own automobile at the time of the collision, had a $50,000.00 UIM policy, and Ted Rice (“Rice”), with whom Raines lived in a residence they jointly owned, had UIM coverage of $50,000.00 under a separate policy. Although Rice’s policy did not list…