Farmers Insurance Group v. Stonik Ex Rel. Stonik

OPINION

FACTS

This case involves interpreting language appearing in an automobile insurance contract. The following facts are not in dispute.

Co-respondents James and Doris Maleski (“the Maleskis”) owned three vehicles insured by Farmers Insurance Group (“Farmers”). All three insurance contracts contained identical language with one key exception: the Maleskis’ 1987 Ford Ranger carried bodily injury payout limitations of only $15,000 per person and $30,000 per accident. The Maleskis’ two other vehicles, a Mustang and a Ranchero, were insured up to $30,000 per person and $60,000 per accident.

In…