Nationwide Mutual Insurance v. Silverman

FRYE, Justice.

The issue presented in this case is whether the Court of Appeals erred in holding that the underinsured motorist (UIM) coverages provided in an automobile liability insurance policy which listed two automobiles may be aggregated or stacked to compensate a “Class II” insured person for injuries sustained in an automobile accident. The Court of Appeals concluded that a guest who is injured while riding in a motor vehicle driven by the named insured is a “person insured,” and therefore entitled to stack the UIM coverages of both vehicles listed in the named insured’s policy of…