Staten v. State Farm Mutual Automobile Insurance

OPINION

Respondent insured appellant under a policy including $50,000 personal injury (no-fault) coverage, and $15/30,000 uninsured motorist protection. In 1974, appellant sustained serious injuries in an automobile collision with an uninsured motorist. Respondent paid basic reparation benefits pursuant to appellant’s no-fault coverage in excess of $15,000, but refused to pay additional claims under her uninsured motorist coverage. Appellant thereafter filed suit to recover the full $15,000 of uninsured motorist coverage, along with additional damages for breach of warranty and bad faith. The…