Rodenbough v. GRANGE INSURANCE ASS'N

Grange Insurance Association issued an automobile liability policy to Hugh and Ellen Rodenbough covering six automobiles. Separate premiums were paid for each of the six vehicles, a portion of which represented a separate charge for personal injury protection (PIP). Their daughter, Tracy, an insured under the policy, was injured while driving one of the insured automobiles and incurred medical expenses exceeding $60,000. A claim for this amount was denied by Grange Insurance because it considered $10,000 to be the policy limit. Tracy Rodenbough then brought this action to declare the PIP…