California Capital Insurance v. Nielsen

Opinion

DAVIS, Acting P. J.

This declaratory relief action concerns uninsured motorist insurance coverage. We conclude that when the owner and the operator of an otherwise uninsured vehicle have liability insurance coverage for bodily injury damages through a personal liability umbrella policy, that vehicle is not an uninsured motor vehicle. Consequently, we affirm the judgment in favor of California Capital Insurance Company (CCIC) that declared that CCIC did not have to pay uninsured motorist benefits to its injured insured, Douglas E. Nielsen.

Background

Eighteen-year-old Nielsen was a…