Melancon v. State Farm Mutual Automobile Insurance Co.

OPINION

KEM THOMPSON FROST, Justice.

An insured sued his insurer for breach of an automobile insurance policy under the uninsured/underinsured motorists coverage. At trial, the jury found the amount of the insured’s personal-injury damages, which was an amount less than the total amount paid in settlements to the insured by persons or organizations who had potential liability for the insured’s damages. Under the unambiguous language of the policy, the insurer has no liability in this situation. Accordingly, we affirm the trial court’s take-nothing judgment.

I. Factual and Procedural Background

App…