Bray v. North Carolina Farm Bureau Mutual Insurance Co.

WYNN, Judge.

On 10 July 1990, plaintiff Phyllis Tant Bray was injured in an accident while driving a 1985 Nissan automobile owned by her husband, plaintiff Wilbur Glover Bray. Mrs. Bray was struck by an automobile driven by Stacy Katherine Gold, an uninsured motorist. It is undisputed that Ms. Gold’s negligence was the sole proximate cause of the accident.

The Brays’ Nissan automobile was insured under a personal auto policy issued by Allstate Insurance Company (Allstate) in Mr. Bray’s name which provided uninsured motorist (UM) coverage in the amount of $25,000 per person/$50,000 per accident…