ILNews

Court rules on underinsured motorists coverage

Jennifer Nelson
January 1, 2007
Keywords
Back to TopCommentsE-mailPrintBookmark and Share
The Indiana Court of Appeals ruled today on when injured claimants in an automobile accident can seek to recover more money under a single Uninsured and Underinsured Motorist policy.

In Auto-Owners Insurance Co. v. David Eakle, et al., the court used previous cases Allstate Ins Co v. Sanders 644 N.E.2d 884, 887 (Ind. Ct. App. 1994) and Grange Ins. Co v. Graham 843 N.E.2d 597, 599 (Ind. Ct. App. 2006) to determine the trial court erred in denying Auto-Owners judgment on the pleadings and summary judgment and ruling that the Eakles receive summary judgment.

In 2003, David Eakle and his parents, Helen and Leon, were seriously injured in an automobile accident when Lavern Weddel failed to stop at a red light in Indianapolis. Weddel died as a result of the accident. The Eakles, along with David's wife, Melissa, filed a claim with Weddel's insurer, Indiana Insurance Co. and received the accident policy limit of $500,000. Helen received $245,000, Leon received $160,000; David received $90,000, and Melissa was awarded $5,000.

The Eakles' vehicle was insured through Auto-Owners, which provided uninsured and underinsured motorist (UIM) coverage of $500,000 per person and $500,000 per accident. The Eakles filed a claim with Auto-Owners for coverage payments under their UIM endorsement of the policy, which Auto-Owners denied, saying Weddel's vehicle was not underinsured.

The Eakles then brought a lawsuit against Auto-Owners for breach of contract and seeking a declaratory judgment that they were entitled to the compensation under the UIM claims with their insurance policy. The trial court ruled in favor of the Eakles.

The Court of Appeals examines the core issue of the case - whether Weddel's vehicle was underinsured. Auto-Owners wants the court to compare the per accident limit of Weddel's bodily injury liability policy, which was $500,000, to the per accident limit of the Eakles' UIM policy, which is also $500,000. The Eakles argue the court should compare the per person limit of each Eakle's UIM coverage, which is $500,000, to the amount actually available for payment to each Eakle under the agreement with Weddel's insurer, which does not total $500,000 for each injured party.

The opinion, authored by Judge Darden with Judges Sharpnack and Robb concurring, finds that Weddel's vehicle was not underinsured, using Graham and Sanders as guides because those cases also involved multiple injured claimants seeking to recover under a single UIM policy.

Darden wrote, "The designated evidence demonstrates that the amount of $500,000 paid to the Eakles by tortfeasor-Weddel's insurance was not less than, but equivalent to the UIM limits available to the Eakles for a multiple person accident in the amount of $500,000.00 under their Auto-Owners policy."

The court found that Weddel's vehicle was not underinsured and that the trial court erred in denying Auto-Owners' motion for judgment on the pleadings and its alternative motion for summary judgment. The COA reversed the trial court's decision and remanded with instruction that the trial court grant summary judgment in favor of Auto-Owners.
ADVERTISEMENT

Post a comment to this story

COMMENTS POLICY
We reserve the right to remove any post that we feel is obscene, profane, vulgar, racist, sexually explicit, abusive, or hateful.
 
You are legally responsible for what you post and your anonymity is not guaranteed.
 
Posts that insult, defame, threaten, harass or abuse other readers or people mentioned in Indiana Lawyer editorial content are also subject to removal. Please respect the privacy of individuals and refrain from posting personal information.
 
No solicitations, spamming or advertisements are allowed. Readers may post links to other informational websites that are relevant to the topic at hand, but please do not link to objectionable material.
 
We may remove messages that are unrelated to the topic, encourage illegal activity, use all capital letters or are unreadable.
 

Messages that are flagged by readers as objectionable will be reviewed and may or may not be removed. Please do not flag a post simply because you disagree with it.

Sponsored by

facebook - twitter on Facebook & Twitter

Indiana State Bar Association

Indianapolis Bar Association

Evansville Bar Association

Allen County Bar Association

Indiana Lawyer on Facebook

facebook
ADVERTISEMENT
Subscribe to Indiana Lawyer
  1. I was wondering about the 6 million put aside for common attorney fees?does that mean that if you are a plaintiff your attorney fees will be partially covered?

  2. My situation was hopeless me and my husband was on the verge of divorce. I was in a awful state and felt that I was not able to cope with life any longer. I found out about this great spell caster drlawrencespelltemple@hotmail.com and tried him. Well, he did return and now we are doing well again, more than ever before. Thank you so much Drlawrencespelltemple@hotmail.comi will forever be grateful to you Drlawrencespelltemple@hotmail.com

  3. I expressed my thought in the title, long as it was. I am shocked that there is ever immunity from accountability for ANY Government agency. That appears to violate every principle in the US Constitution, which exists to limit Government power and to ensure Government accountability. I don't know how many cases of legitimate child abuse exist, but in the few cases in which I knew the people involved, in every example an anonymous caller used DCS as their personal weapon to strike at innocent people over trivial disagreements that had no connection with any facts. Given that the system is vulnerable to abuse, and given the extreme harm any action by DCS causes to families, I would assume any degree of failure to comply with the smallest infraction of personal rights would result in mandatory review. Even one day of parent-child separation in the absence of reasonable cause for a felony arrest should result in severe penalties to those involved in the action. It appears to me, that like all bureaucracies, DCS is prone to interpret every case as legitimate. This is not an accusation against DCS. It is a statement about the nature of bureaucracies, and the need for ADDED scrutiny of all bureaucratic actions. Frankly, I question the constitutionality of bureaucracies in general, because their power is delegated, and therefore unaccountable. No Government action can be unaccountable if we want to avoid its eventual degeneration into irrelevance and lawlessness, and the law of the jungle. Our Constitution is the source of all Government power, and it is the contract that legitimizes all Government power. To the extent that its various protections against intrusion are set aside, so is the power afforded by that contract. Eventually overstepping the limits of power eliminates that power, as a law of nature. Even total tyranny eventually crumbles to nothing.

  4. Being dedicated to a genre keeps it alive until the masses catch up to the "trend." Kent and Bill are keepin' it LIVE!! Thank you gentlemen..you know your JAZZ.

  5. Hemp has very little THC which is needed to kill cancer cells! Growing cannabis plants for THC inside a hemp field will not work...where is the fear? From not really knowing about Cannabis and Hemp or just not listening to the people teaching you through testimonies and packets of info over the last few years! Wake up Hoosier law makers!

ADVERTISEMENT