Simmons v. Insurance Co. of North America

OPINION

FABE, Justice.

I,. INTRODUCTION

When Teisha Simmons was injured in a car accident, she sought underinsured motorist benefits from the insurer of her father's business. The insurer declined coverage because the policy did not list Simmons's father as a named insured. Although Simmons sought reformation of the policy, the superior court granted summary judgment to the insurer, ruling that, even if the policy were to be reformed to include the father as a named insured, persons insured under their trade names are not "individuals" to whom family coverage extends. Because we conclude that…