Prudential Property & Casualty Insurance v. Kelly

The plaintiff, Prudential Property & Casualty Insurance Company (Prudential), issued an automobile insurance policy to the defendants, Patricia and Edward Kelly (the Kellys). The policy provided underinsured-motorist (UIM) coverage for four vehicles. After Patricia Kelly suffered injuries in an accident, the Kellys claimed that the policy allowed them to aggregate or “stack” the UIM coverage for the four vehicles. Prudential filed a complaint for declaratory judgment, seeking a finding that the policy did not permit stacking of the coverage. The trial court granted Prudential’s motion for…