Farmers Insurance v. Gilbert

The opinion of the court was delivered by

McFarland, J.:

This is a declaratory judgment action brought by Farmers Insurance Company, Inc., to determine the extent of underinsured motorist coverage available to its insured, Stephen Gilbert.

Gilbert owned three motor vehicles — a motorcycle, an automobile, and a van. Each was insured by Farmers under separate policies. Gilbert was seriously injured while riding his motorcycle. The driver of the automobile striking the motorcycle had $25,000 of liability insurance (also under a policy issued by Farmers). Gilbert was paid the $25,000 liability…