Williams v. Smith

OPINION

FRANK G. CLEMENT, JR., P.J., M.S.,

delivered the opinion of the Court,

in which ANDY D. BENNETT and W. NEAL McBRAYER, JJ., joined.

This appeal arises from an underinsured motorist coverage claim that hinges on the validity of a choice of law provision in the insurance policy. Plaintiffs were involved in a car wreck in Tennessee while driving a vehicle they borrowed from North Carolina residents. Although the borrowed vehicle was owned by North Carolina residents, the car owners had elected an insurance policy with a Missouri choice of law provision because their daughter principally used…