Zeigler v. South Carolina Farm Bureau Mutual Insurance

Gregory, Chief Justice:

This is a declaratory judgment action in which the trial judge ruled appellant (Zeigler) is not entitled to underinsured motorist coverage under her policy with respondent (Farm Bureau). We reverse.

Zeigler was injured in a collision with an at-fault motorist. She commenced this action asserting her policy with Farm Bureau should be deemed to provide underinsured motorist coverage. The trial judge found Farm Bureau made an effective offer of underinsured motorist coverage which Zeigler rejected and concluded she was therefore not entitled to the coverage.

At trial,…