Hahn v. GEICO Choice Insurance Company

STOWERS, Chief Justice.

I. INTRODUCTION

While sitting on his motorcycle at a stop light, Chad Hahn was thrown backwards when Franklin Townsend's car failed to stop in time and struck the motorcycle. During settlement negotiations in the tort suit that followed, Hahn sought payment under Townsend's underinsured motorist (UIM) insurance policy. Hahn argued that he was an insured occupant of Townsend's car because he landed on the car after the impact and that Townsend's liability insurance would not cover the full extent of his damages, rendering Townsend underinsured. Townsend's insurer, GEICO…