Brown v. Farmers Insurance Group

Plaintiff Deborah Brown appeals from a summary judgment in favor of her automobile insurer, Farmers Insurance Group (Farmers), in a declaratory judgment action. We affirm.

In October 1977, a car driven by Brown collided with a riderless horse on a county road. Brown thereafter filed a *594complaint for declaratory relief, alleging that the "uninsured motorist" provisions of her insurance policy afforded coverage for the accident.

By its contract with Brown, Farmers promised to pay

all sums which the insured . . . shall be legally entitled to recover as damages from the owner or operator of an…