Breakfield v. OKLAHOMA FARMERS UNION MUTUAL INSURANCE CO.

SUMMERS, Justice:

The Breakfields’ four automobiles were insured by Oklahoma Farmers Union. Liability limits were $25,000.00 per person and $50,000.00 per occurrence. They also purchased uninsured/underinsured motorist coverage with coverage for the same limits. They paid only one premium for the UM coverage.

On September 9, 1992 Paula Breakfield and her passengers Brandon Breakfield and Peggy Burton were injured in an automobile accident. They received the policy limits from the insurer of the other vehicle’s driver. They then sought underinsured motorist benefits from their own insurer,…