Hanover Insurance v. Horace Mann Insurance

Gregory, Chief Justice:

This case is before us on a writ of certiorari to review the memorandum decision of the Court of Appeals holding the trial judge erred in granting petitioner’s (Hanover’s) motion for directed verdict. We reverse.

Kelley Parker, a passenger in a car owned by Daniel Loftis, sustained injuries when Loftis’s car was struck by an underinsured motorist. Loftis was insured by respondent (Horace Mann) and had no underinsured motorist coverage. Parker was insured by Hanover and her policy included underinsured motorist coverage. Hanover brought this action to determine whether…