American Family Mutual Insurance v. Sharp

OPINION

PELANDER, Justice.

¶ 1 A-izona’s Uninsured/Underinsured Motorist Act (UMA), AR.S. § 20-259.01 (2002 & Supp.2011), requires all insurers writing motor vehicle liability policies to also offer underinsured motorist (UIM) coverage that “extends to and covers all persons insured under the policy.” § 20-259.01(B). UIM coverage applies when an insured’s total damages exceed all applicable liability limits, subject to any valid limitations the insurer imposes. See § 20-259.01(G)-(H). But any “exceptions to [UIM] coverage not permitted by the [UMA] are void.” Taylor v. Travelers Indem. Co., 198…