Knight v. State Farm Mutual Automobile Insurance Company

Cureton, Judge:

Respondent — Ronald Knight brought a declaratory judgment action against Appellant — State Farm to determine whether underinsured motorist coverage was available under an insurance policy issued by State Farm to him. The trial judge held Knight was entitled to the coverage because State Farm failed to make a meaningful offer of such coverage. We affirm.

In April 1982, Knight first purchased automobile insurance coverage from State Farm. For purposes of this opinion we assume State Farm complied with the statute in offering Knight underinsured coverage at that time. Knight made…