Christensen v. Wausau Insurance Companies

WEANT, Judge.

Appellant, Wayne Christensen, alleges that on 5 March 1984 he was seriously injured when hit by a vehicle driven by Gerd W. Herrmann. The Maryland Automobile Insurance Fund (MAIF), Herrmann’s insurer, paid Christensen $20,000 in settlement, the maximum available under Herrmann’s policy.

Christensen, alleging that his damages exceed the amount paid to him by MAIF, turned to his insurer, appellee (Wausau), to make up the difference. In appellant’s policy is the mandatory “uninsured motorist” (UM) coverage along with another endorsement called “underinsured motorist” (UIM) coverage.…