Williams v. GEICO Casualty Co.

OPINION

CARPENETI, Chief Justice.

I. INTRODUCTION

This appeal arises from a declaratory action filed by an insurer to clarify the terms of its duties under a policy. The underlying tort action resulted from a car accident in which the insured, while driving a rental truck, hit a person who was lying in the middle of the road. Both the driver and the person struck were intoxicated, as was a passenger in the truck. The person who was struck died from his injuries. The victim's estate and the survivors sued. The insurance company several times offered to settle the case against both the driver and…