Horace Mann Insurance Co. v. Chase

This appeal arises from a final judgment that determined waivers of uninsured/un-derinsured motorist (UM) coverage and UM stacked coverage as well as an owned-but-not-insured vehicle exclusion that were agreed to by the original policyholder, Richard Chase (R. Chase), were not binding when the policyholder became Allison Chase (A.Chase). The appellant, Horace Mann Insurance, argues that the waivers and exclusion were binding on R. Chase’s estate as well as A. Chase, both individually and as personal representative of R. Chase’s estate. We agree in part.

In 2001, R. Chase purchased the…