Lofton v. State Farm Mutual Automobile Insurance Company

Pope, Judge.

The issue presented in this appeal is whether the trial court properly held that appellant Lofton is not entitled to “stack” medical payment coverages in separate State Farm Mutual Automobile Insurance Company (State Farm) policies issued to the family of Eric Smith.

Craig Lofton was seriously injured in an accident while riding in a 1979 Chevrolet Monza driven by Eric Smith. At the time of the accident, Eric Smith lived with his parents, Mr. and Mrs. Thomas F. Smith, and his brother, Dwayne Smith. The Smith family held four separate State Farm policies: Thomas Smith held separate…