Ball v. Allstate Insurance Company

WINFREE, Justice.

I. INTRODUCTION

Allstate Insurance Company denied underinsured motorist (UIM) coverage to Nathan Ball for an accident involving his own vehicle after determining he was not an insured person under his then-fiancée's parents' Allstate automobile insurance policy. Ball contended that his fiancée was a "policyholder" for purposes of her parents' policy, a necessary predicate to his argument for UIM coverage under the policy. But the policy declarations *864 page did not list "policyholders," it listed only "named insureds" and "drivers." The superior court ruled on summary judgment…