Farmers Ins. Co. of Idaho v. Talbot

SCHROEDER, Justice.

This automobile insurance case concerns underinsured motorist (UIM) coverage. Farmers Insurance Company of Idaho (Farmers) brought a declaratory judgment seeking a determination that it is entitled to set off the amount that the insured, Adelyn Talbot (Talbot), received from the tort-feasor’s insurance company from Talbot’s maximum UIM liability limit. The district court granted summary judgment in favor of Talbot, ruling that language in the “Dear Policyholder” notice which accompanied the endorsement for UIM coverage conflicted with the limitation of liability and setoff…