Nationwide Mutual Insurance v. Rhoden

Petitioner, Nationwide Mutual Insurance Company (Nationwide), contends that the court of appeals erred in ruling that Respondents Kelly Rhoden and Emerlynn Dickey are entitled to underinsured motorist (UIM) coverage under Kelly Rho-den’s policy covering two “at-home” vehicles. We affirm based on South Carolina’s well-settled public policy that UIM coverage is personal and portable.

Facts/ Procedural Background

Respondents Kelly Rhoden (Rhoden) and her daughters, Ashley Arrieta (Arrieta) and Emerlynn Dickey (Dickey), were involved in a motor vehicle accident while riding in a vehicle owned and…