Farmers Automobile Insurance v. Coulson

This case involves the interpretation of an underinsured-motorist (UIM) provision of an automobile insurance policy issued by the plaintiff, Farmers Automobile Insurance Association (Farmers), to the defendant’s stepfather, John Heern. On December 17, 2006, the defendant, Kassandra B. Coulson, was severely injured when a vehicle owned and operated by Robert B. Roy drove through the window of a Subway restaurant, striking Coulson and two other patrons who were inside. Coulson alleged damages in excess of $900,000. Roy’s automobile was insured by State Farm, and his policy had bodily injury…