Federal Kemper Insurance v. Karlet

McHUGH, Justice:

This matter is before the Court upon certified question by the United States District Court for the Southern District of West Virginia for clarification as to whether minor children claiming loss of parental consortium are treated as separate injured persons, subject to separate “per person” and “per occurrence” insurance liability limits, based on language in an automobile insurance policy. 1

I

Charles Daniel Ball and Herbert J. Kar-let were the drivers of two vehicles involved in a collision in Wayne County, West Virginia, in the fall of 1990. Mr. Karlet’s wife, Luanna, and…