CNL Insurance America v. Moreland

The record shows that Moreland was injured in a collision with a car driven by Ford, for which a jury awarded $6,143.40 in medical expenses, $4,400 for lost earnings, and $3,750 for pain and suffering. Ford was uninsured, so the trial court ordered CNL to pay the full amount of the judgment. CNL had been served as Moreland’s uninsured motorist carrier and answered in its own name. Moreland was a named insured in his father’s policy, which has uninsured motorist limits of $15,000.

Moreland’s employer and group insurance carrier, Southwire, paid medical expenses and reimbursed him for lost…