AUTO-OWNERS INSURANCE CO. v. Boissonneault

The question presented is whether an automobile insurance policy, providing both uninsured motorist coverage and underinsured motorist coverage, with a $50,000/$100,000 policy limit for each coverage, limits the liability of the insurer to a total of $50,000/$100,000, as the insurer contends, or instead provides, as the insured contends, separate $50,000/$100,000 limits where the injury or death is occasioned by the combined negligence of an uninsured driver and an under-insured driver.

We agree with the insurer that the total liability under the policy is limited to $50,000/$100,000, without…