Donohue v. State Farm Mutual Insurance

BONAVITACOLA, S.J.,

INTRODUCTION

The sole issue presented by this declaratory judgment action is whether the plaintiffs are bound by the apparent election of plaintiff John Donohue, the first named insured under the automobile insurance policy herein at issue, to reduce his underinsured motorist liability cov*344erage from $50,000 per person/$ 100,000 per incident (the “first-party” coverage limits he selected) to $15,000 per person/$30,000 per incident.

On August 27, 1996, plaintiff Joan Donahue, daughter of John and Claire Donahue, was involved in an automobile accident and sustained significant…