Nationwide Mutual Insurance v. Prioleau

HUFF, J.:

Nationwide Mutual Insurance Company brought this declaratory judgment action to determine whether Paula Prioleau was entitled to underinsured motorist (UIM) coverage under her automobile insurance policy purchased from Nationwide. The trial court found no meaningful offer of UIM coverage had been made to Paula, and she was therefore entitled to have her policy reformed to include UIM coverage up to the limits of the policy. Nationwide appeals. We reverse.

FACTUAL/PROCEDURAL BACKGROUND

On April 25, 1997, Julius Prioleau applied for automobile insurance with Nationwide. The application…