Opinion ID: 1532251
Heading Depth: 1
Heading Rank: 1

Heading: facts

Text: In Jessamine Circuit Court, the parties entered into a Stipulation of Facts and Evidence. These facts are crucial to our review and must be recited: 1. That judgment for the wrongful death of Diana Lynn McKinney Reed to her estate, by and through the Administrator, Walter McKinney, would be in excess of $25,000.00, the liability limit per person of the uninsured motorist coverage in issue; 2. That judgment for the wrongful death of Unborn Infant Reed to the estate, by and through the Administrator, Walter McKinney, would be in excess of $25,000.00, the liability limit per person of the uninsured motorist coverage in issue; 3. That on August 7, 1984, prior to being struck by the motorcycle, Diana McKinney Reed, a 26 year old resident of Jessamine County, Kentucky, was operating a pickup truck on Kentucky Highway 39 in Jessamine County; 4. That Mrs. Reed was carrying her eight and one-half month term unborn infant; 5. That the pickup truck was owned by Charles Reed, father of Diana's husband, Doug Reed; 6. That Kentucky Farm Bureau Mutual Insurance Company had the insurance coverage on the truck, including uninsured motorist coverage; 7. That Doug Reed and Diana McKinney Reed did not reside in the household of Charles Reed on August 7, 1984; 8. That Mrs. Reed attempted to turn the truck into their property, but the right front wheel slid off of the side of their driveway into a culvert, and the vehicle became stalled or stuck; 9. That the bed of the truck was obstructing the southbound portion of the road; 10. That Mr. Reed asked Mrs. Reed to go up the roadway and attempt to warn motorists of the obstruction (bed of the truck in the roadway); 11. That Mrs. Reed left her purse and other belongings in the truck and proceeded up the roadway; 12. That motorists had passed Mrs. Reed, and she had been successful in waving to those persons to warn them of the obstruction in the road; 13. That Mrs. Reed was carried after the impact in excess of 90 feet in a southbound direction back toward the vehicle from which she had departed; 14. That Mrs. Reed was between 130 and 200 feet away from the truck from which she had departed at the time of the impact; 15. In addition, the Kentucky Farm Bureau insurance policy in issue has been filed as a Exhibit to this review. Therein appears the Uninsured Motorist Coverage Endorsement, UM-1 (10-66), which provides insuring agreements for damages incurred by bodily injury caused by an uninsured motorist. Essential to our examination are the specific definitions within this particular policy which are as follows: II. DEFINITIONS  Named Insured  means the person or organization named in Item I of the declaration, and if such person is an individual, also includes his spouse if a resident of the same household. Insured means (1) the named insured and, if the named insured is an individual or husband and wife, a relative; (2) any other person while occupying an insured automobile; and (3) any person, with respect to damages he is entitled to recover because of bodily injury, to which this endorsement applies, sustained by an insured under (1) or (2) above. Relative means a person related to the named insured by blood, marriage or adoption who is a resident of the same household. Occupying means in or upon or entering into or alighting from, with permission of the owner. This uninsured motorist coverage results from the language of KRS 304.20-020 which mandates that such insurance be provided in automobile liability or motor vehicle liability insurance policies in Kentucky, subject, however, to rejection in writing by the named insured. Upon these facts, judgment was entered in Jessamine Circuit Court against Farm Bureau in the sum of $50,000.00, that being the full uninsured motorist insurance coverage purchased by Charles Reed for the truck that Diana had been operating and then departed which was found to be applicable to and provide coverage for the stipulated damages to her estate and that of her unborn infant child.