Vincent v. Safeco Insurance Co. of America

TROUT, Chief Justice.

This is an appeal from an order of the district court granting the defendant-respondent Safeco Insurance Company of America’s (“Safeco”) motion for summary judgment.

I

FACTUAL AND PROCEDURAL BACKGROUND

On November 3, 1993, Betty Vincent was injured in a car accident through no fault of her own. She allegedly suffered over $100,000 in damages as a result of the accident. On December 14, 1995, Betty and her husband Larry (“Vincents”) settled with the at-fault driver for that driver’s liability policy limit of $50,000.

Prior to the accident, the Vincents had obtained a Safeco…