Motor Club of Iowa Insurance Co. v. Iowa Mutual Insurance Co.

McGIVERIN, Chief Justice.

Plaintiff Motor Club of Iowa Insurance Company (Motor Club) appeals from a declaratory judgment that ruled it was liable for the entire settlement amount of an under-insured motorist (UIM) claim of one of its additional insureds, Randy Luzum. We reverse and remand.

I. Background facts and proceedings. Randy Luzum suffered injuries while riding as a passenger in an underinsured motor vehicle that he did not own and that was not named or listed in any policy in which Randy had an interest. Because the proceeds from the insurance of the owner of the car in which he was…