Ringelberg v. EMC Insurance Group, Inc.

CARTER, Justice.

Zachary Ringelberg, Christopher Ringelberg, and the estate of their deceased sister, Danielle Ringelberg, appeal from the decision in a declaratory-judgment action that interpreted the uninsured-motorist coverage in a family auto policy as providing only minimum limits. Although the policy in question had uninsured-motorist coverage with limits of $250,000 per person and $500,000 per accident, endorsements to the policy provided a step-down of that limit to the minimum limit provided by law, i.e., $20,000 per person and $40,000 per accident, in the event that the liability…