American Economy Insurance v. Canamore

*350EDMONDS, J.

This is a declaratory judgment action. Plaintiff appeals and defendants cross-appeal a judgment regarding defendants’ entitlement to benefits under two insurance policies. We affirm on appeal and on cross-appeal.

Plaintiff issued two insurance policies to defendant Canamore. One was an automobile liability policy that provided a $500,000 liability limit and $50,000 in uninsured/ underinsured (UM/UIM) benefits. The other was a multirisk, extra-liability, umbrella policy with a $1 million liability limit; it did not offer any UM/UIM benefits.

In May, 1988, Canamore was driving a car in…