Arbella Mutual Insurance v. Hughes

*927This appeal arises out of a dispute between Arbella Mutual Insurance Company (Arbella), on the one hand, and Richard F. Hughes and Aetna Casualty and Surety Company (Aetna), on the other, as to Hughes’s right to underinsurance benefits as a result of injuries he received in an accident that occurred while he was driving his employer’s car on March 27, 1989. With the consent of both Aetna and Arbella, Hughes settled his claim against the operator at fault in the accident for $25,000, the coverage limit of that operator’s insurance.

Two Massachusetts motor vehicle liability policies are involved…