Alfa Mut. Ins. Co. v. Beard

Memory Forbus Beard and her sister, Laura Forbus McGrady, were travelling on U.S. Highway 280 from Sylacauga to Birmingham on November 23, 1987, when they were involved in an automobile accident. They and their parents, Opal and Willard Forbus, sought uninsured motorist benefits under three automobile insurance policies Willard had with Alfa Mutual Insurance Company ("Alfa"). Alfa filed a declaratory judgment action, seeking a judgment declaring the rights and liabilities under those policies. The four Beard family members filed counterclaims, but eventually the case went to trial on an…