Parker v. United Services Automobile Associates

Meaghan Parker was injured when her father’s recreational vehicle was struck by an underinsured driver. Parker recovered the underinsured driver’s policy limits and the underinsured motorist (UIM) limits under her father’s United Services Automobile Associates (USAA) policy. She then sought UIM coverage under her mother’s USAA policy (her parents were divorced and had identical USAA policies). USAA denied coverage on Parker’s mother’s policy. Parker sued, and the trial court granted summary judgment in her favor, ruling that coverage existed.

External stacking of UIM insurance occurs where…