Farm Bureau Mutual Insurance v. Winters

Brewster, J.:

Paulette and Ricki Winters appeal from a declaratory judgment which construed a Farm Bureau Mutual Insurance Company (Farm Bureau) automobile liability insurance policy’s limits of liability.

In January 1988, a two-vehicle automobile collision occurred in Linn County. One vehicle was owned by George Sutterby and driven by Curtis Sutterby. The other vehicle was owned and occupied by Paulette and Ricki Winters. The Sutterby vehicle was insured by Farm Bureau.

As a result of the collision, both Paulette and Ricki suffered bodily injuries. Paulette claims to have incurred expenses in…