State Farm Mutual Automobile Insurance Co. v. Fisher

JUSTICE HOOD delivered the Opinion of the Court.

¶ 1 An underinsured motorist struck a car driven by Dale Fisher, causing Fisher injuries requiring over $60,000 in medical care. Fisher was not at fault, and he was covered under multiple State Farm underinsured motorist ("UIM") insurance policies. State Farm agreed that Fisher's medical bills were covered under the UIM policies, but it disputed other amounts Fisher sought under the policies, including lost wages. So, State Farm refused to pay Fisher's medical bills without first resolving his entire claim.

¶ 2 Fisher sued, alleging State Farm…