Corey Carter, Plaintiff/Respondent v. Shelter Mutual Insurance Company, and Deandreis Dowell

I. Background

Driver was involved in an automobile accident with Deandreis Dowell (“Dowell”) on April 4, 2012. Driver was driving a 2002 Chevrolet Impala, which was titled in his mother’s name, Pam Carter, and which was insured by Shelter under Policy No. 24-1-3761928-1 (“the Impala Policy”). Driver’s mother also owned a Pontiac Torrent, which was jointly titled in both Driver’s and his mother’s names, and which was insured by a separate insurance policy with Shelter (“the Torrent Policy”). Both policies contained identical uninsured motorist coverage language.

Driver sustained substantial…