State Farm Mutual Automobile Insurance v. Falness

T.G. NELSON, Circuit Judge:

FACTS AND PROCEDURAL HISTORY

John and Anna Hugg were both named insureds in a policy of automobile liability insurance issued by State Farm Automobile Insurance Company (State Farm). Both were killed in a collision with another vehicle which was uninsured. It is undisputed that both John Hugg, who was driving the Huggs’ vehicle at the time, and the other driver were negligent.

State Farm paid the estate of Anna Hugg the $100,000 policy limit for uninsured motorist coverage, but refused to pay anything under the liability coverage, contending that there was no coverage…