State Automobile Mutual Insurance v. Progressive Casualty Insurance

Cunningham, Judge.

{¶ 1} In this appeal, we must determine whether the trial court correctly calculated and apportioned liability for underinsured-motorist benefits between two insurance carriers, appellee State Automobile Mutual Insurance Company (“State Auto”) and appellant Progressive Casualty Insurance Company (“Progressive”).

I

{¶ 2} In April 2004, Angela Smith and her daughter Michaelia Smith were injured while they were passengers in an automobile driven and owned by Tiffany Sharrett. Sharrett’s automobile collided with an automobile operated by Krista Stidham, killing Sharrett. Stidham…