Ormsbee v. Allstate Insurance

OPINION

MARTONE, Justice.

We are asked to decide whether an excess liability insurance policy covering automobiles and motor vehicles, also known as an umbrella policy, is an automobile or motor vehicle liability policy within the meaning of the Uninsured Motorist Act, A.R.S. § 20-259.01. We hold that it is,

I. BACKGROUND

Doris Ormsbee was severely injured in an automobile accident. She recovered $100,000, the liability limit, from the insurer of the person at fault. She recovered $25,000, the underinsured limit, from the insurer of the driver of the vehicle in which she was a passenger. She…