American Family Mutual Insurance Co. v. Coke

Introduction

Pamela C. Coke (Coke) and Ward Ferrell (Ferrell) (collectively Appellants) appeal from the trial court’s judgment granting American Family Mutual Insurance Co.’s (Respondent) Motion for Directed Verdict on Appellants’ counterclaim for breach of contract and vexatious refusal to pay. We reverse and remand.

Factual and Procedural Background

On July 13, 2009, Respondent filed a petition for declaratory judgment against Appellants seeking adjudication of Respondent’s rights and obligations under an insurance policy Respondent issued Appellants on a 2003 Monaco Motor Home (RV) which had…