Bower v. National General Insurance

We granted the petition for a writ of certiorari to review the Court of Appeals’ decision in Bower v. National General Ins. Co., 342 S.C. 315, 536 S.E.2d 693 (Ct.App.2000). We affirm.

FACTS

Respondent Jason Bower was a passenger in his friend’s car when the vehicle was involved in an accident. Bower was injured in the accident, and he made an underinsured motorist (UIM) claim as an insured under his father’s policy with petitioner National General Insurance Company (National General). National General denied the claim based on the fact that Bower’s father had rejected its offer to purchase UIM…