Horne v. United States Fidelity & Guaranty Co.

OPINION

SOSA, Chief Justice.

Horne was rendered a paraplegic as a result of an injury sustained while driving an insured vehicle during the course of his employment for New Mexico Security Patrol, Inc. (NMSP). A negligent underinsured motorist caused Horne’s injury. NMSP had insured five company vehicles with United States Fidelity & Guaranty Company (USF & G). Each vehicle had uninsured motorist coverage. The named insured was the company, NMSP, which was equivalent under the policy to “you,” whenever that word was used in the policy. The policy was a business auto policy, but provided a rider…