Hall v. Allstate Insurance Co.

LAWRENCE E. MOONEY, Presiding Judge.

Allstate Insurance Company appeals the trial court’s ruling permitting the stacking of underinsured motorist benefits under an Allstate policy held by Brian and Alyson Hall. Because we hold that the policy unambiguously prohibits stacking of un-derinsured coverage, we reverse the trial court’s ruling.

Factual and Procedural Background

Brian Hall sustained serious, permanent, progressive, and disabling bodily injuries as a passenger in a motor vehicle that was hit by tortfeasor Lorraine Guth. Mr. Hall and his wife sued Ms. Guth. Ultimately, the parties reached…