Farmers Insurance Exchange v. Neal

OPINION

This is an appeal from a declaratory judgment finding that appellant Farmers Insurance Exchange must provide “Uninsured Motorist” (UM) benefits under an automobile liability policy in an amount that exceeds the minimum statutory requirements for such coverage. We conclude that the district court erred as a matter of law.

On November 5, 1996, respondent Flossie Neal was seriously injured in an automobile accident with a hit and run motorist. At the time of the accident, Flossie Neal resided with her daughter, Regina Neal. Both mother and daughter owned their own motor vehicles; each…