California Casualtly Indemnity Exchange v. Pettis

Opinion

SPARKS, J.

The question in this case is whether uninsured motorist benefits may be combined or “stacked” to satisfy the total damages alleged to have been incurred by the insureds. We are called upon to resolve a conflict of laws question and to construe out-of-state insurance clauses of California automobile liability policies for an accident in Hawaii. We conclude that California law governs and that the insureds are not entitled under their policies to stack the uninsured motorists coverage.

Plaintiff California Casualty Indemnity Exchange (California Casualty) is a California…