Kingston v. State Farm Automobile Insurance Co.

Opinion

VOROS, Judge:

T1 This case arises from an insurance claim made after an automobile collision involving an underinsured driver, Because of the risk posed by underinsured motorists, state law contains a default coverage provision. This provision mandates that all automobile insurance policies provide underin-sured motorist (UIM) coverage limits equal to (1) the maximum UIM limits available under that policy or (2) that policy's liability limits, whichever is less, unless the insured purchases coverage in a lesser amount or rejects UIM coverage altogether by signing an acknowledgment form…