Lightner v. Farmers Ins. Co., Inc.

RENDLEN, Judge.

While standing on a sidewalk in Springfield, plaintiff was struck and seriously injured by an automobile driven by Aaron Gaba in September 1982. Gaba’s vehicle was insured by a liability policy affording only $25,000 protection and his company paid the full coverage to Tim Lightner.

Plaintiff then filed “uninsured motorist” claims against Farmers Insurance Company (Farmers) under three policies of insurance owned by and in the name of his father, Jim Lightner (Jim). 1 Identical language in each policy defined the term “insured” in Part I (Liability Coverage) in this manner:

“The…