Opinion ID: 1877723
Heading Depth: 1
Heading Rank: 1

Heading: facts

Text: On June 7, 2003, Nacona was riding in her family's 1996 Toyota 4-Runner. Nacona's friend B.J. Anderton was the driver, and the 4-Runner was insured by Mid-Century. Anderton failed to negotiate a curve while driving the 4-Runner and lost control of the vehicle, resulting in a one-car accident. Nacona alleges in her complaint that she incurred over $50,000 in medical bills. She made a claim against Anderton, and his insurance carrier paid policy limits of $25,000. Nacona then filed a claim against her own carrier, Mid-Century, under the underinsured provisions. Coverage was denied, and Darel and Nacona filed this declaratory judgment action. Summary judgment was granted based on a finding that there was no coverage under the policy because no underinsured vehicle was involved.