Estate of Delmue v. Allstate Insurance Co.

OPINION

Appellant Al L. Delmue (“Mr. Delmue”) had two teenage sons; one was sixteen years old and the other fifteen. In 1989, he was concerned that his existing automobile insurance was inadequate to cover any potential loss that his sons might incur while operating an automobile. 1 Accordingly, Mr. Delmue approached respondent Allstate Insurance Company (“Allstate”) through its agent, Gene Gardella (“Gardella”), to increase his automobile insurance coverage. Although Mr. Delmue currently had a policy with liability limits of $100,000 per person/$300,000 per occurrence and…