South Carolina Farm Bureau Mutual Insurance v. Mooneyham

Harwell, Justice:

Respondent South Carolina Farm Bureau Mutual Insurance Company (Farm Bureau) filed this declaratory judgment action to determine the amount of underinsured motorist benefits it was obligated to pay under three policies issued to the insured, appellant Cynthia M. Mooneyham. Mooneyham claimed that she was entitled to stack the underinsured motorist coverage provided in the policies. The trial judge held that Mooneyham could not stack the underinsured coverage because the policy covering the car involved in the accident provided excess underinsured coverage. We reverse.

DISCUSSION