Estate of Swartz v. Metropolitan Property & Casualty Co.

OPINION

ABRAMSON, Judge:

The sole issue presented in this case of first impression is whether an insured may aggregate or “stack” underinsured motorist coverage under a policy which, while ostensibly charging a single premium for that protection, in fact bases the premium on whether the policy covers a single vehicle or multiple vehicles. The Estate of Judith H. Swartz (the “Estate”) challenges a judgment of the Jefferson Circuit Court concluding that her insurer, Metropolitan Property & Casualty Company (“Metropolitan”), is not required to stack underinsured motorist (UIM) benefits for the…