Phelps v. State Farm Mutual Automobile Insurance Co.

OPINION

Appellant Royal Phelps was injured while driving his employer’s vehicle. Phelps made claims against his employer’s underinsured/uninsured motorist (UM) and workmen’s compensation coverage and, additionally, against his own private disability coverage. However, the amount recovered from these sources was insufficient to cover his total damages, and Phelps therefore made a claim against his own UM coverage held by respondent State Farm Mutual Automobile Insurance Company (State Farm). State Farm only paid Phelps the difference between his total damages and what he had received from other…