Wilkes v. Freeman

HOWELL, Chief Judge:

In this action, Grover and Lori Wilkes allege Horace Mann Insurance Company (Horace Mann) failed to provide a meaningful offer of underinsured motorist (UIM) coverage by failing to provide UIM coverage “up to” Lori Wilkes’s liability coverage limits. The circuit court refused to reform Lori Wilkes’s insurance policy to include UIM coverage. The Wilkeses appeal. We reverse.

L

In 1988, Lori Wilkes obtained an automobile liability insurance policy from Horace Mann. It provided bodily injury limits of $25,000 per person per accident with a maximum of $50,000 for all persons per…