Allstate Insurance v. Morgan

OPINION OF THE COURT BY

OGATA, J.

This is an appeal from a declaratory judgment action brought by Allstate Insurance Company (hereinafter Allstate) seeking a determination of the limits of uninsured motorist coverage under an automobile insurance policy issued by Allstate to Donald Morgan. We are here faced with a situation in which three automobiles were insured under a single liability policy, but the insured was injured while operating a fourth, independently owned and insured motor vehicle which was struck by an uninsured motorist.

The precise question presented is whether the insured is…