Mid-Century Insurance v. Shutt

Gernon, J.:

This is an appeal by Bailey Perkins from a ruling that Mid-Century Insurance Company had no obligation to pay additional sums under an automobile policy issued by Mid-Century to Walter and Sandra Shutt.

Bailey Perkins, who was three and a half years old at the time of her injuries, was walking on a shoulder of the road when she was struck by an automobile driven by Tracy Shutt. Bailey sustained serious physical injuries and incurred substantial medical expenses.

The Shutts had a personal automobile insurance policy with Mid-Century which provided liability coverage on the motor…