Breaux v. Insured Lloyds Insurance Co.

The pleadings and memoranda reveal the following. The plaintiff, Timothy Breaux, was involved in an automobile accident with the tortfeasor, Tammy Tarter. Ms. Tarter’s insurer, Audubon Insurance Company, surrendered its liability policy limits to the plaintiff. A policy of uninsured-underinsured (UM) motorist insurance was issued by Insured Lloyds Insurance Company (Lloyds), the defendant, in favor of D.B. Trailer Rentals Inc., which is owned by the plaintiff’s parents and for who the plaintiff works part-time. The Lloyds’ policy was obtained by an independent insurance broker, one George…