Earl Germany and Deborah Germany v. William Dewayne Darby and Federated Mutual etc.

After Earl Germany was involved in a work-related automobile accident with an uninsured motorist in a company vehicle, he and his wife Deborah Germany challenged the coverage limits of his employer’s uninsured and underinsured motorist insurance (“UM”) coverage. They argued that Florida law, § 627.727(1), Florida Statutes, didn’t allow the policy to have different limits of UM coverage among insureds — a UM coverage limit of up to $500,000 for executives and their families, but only up to $30,000 for all other insureds, including employees like Mr. Germany. The trial court construed the…