Alexander v. State Automobile Mutual Insurance

BROTHERTON, Justice:

This case involves certified questions from the United States District Court for the Northern District of West Virginia. The questions certified read as follows:

1.Whether the owned-underinsured motor vehicle exclusion of the insurance policy issued to the automobile owner, Louise Lowther, excludes underin-sured motorist coverage of the guest passenger, Lena Alexander, where the owner’s liability limits have been paid to the guest passenger under the policy?

2. Whether the insurance policy requirements that the tortfeasor’s liability for damages arise from the ownership,…