Opinion ID: 2286079
Heading Depth: 1
Heading Rank: 1

Heading: Ayers' Stipulated Facts

Text: The plaintiff in the first cause of action is Willie M. Ayers, guardian of Kanika Wright (Kanika), a minor. On June 20, 1998, Kanika was a passenger in a car involved in a one-car accident. Lynette Ayers was driving the car and is the alleged tortfeasor. The tortfeasor's car was covered by insurance issued by GEICO. The liability policy limits of $15,000 have been paid to Kanika by GEICO. The plaintiff contends that GEICO also provided $15,000 of underinsurance coverage to Kanika as a passenger in the car. Colonial insured Kanika as a member of the household of her mother by a policy with UIM coverage of $15,000. Colonial also insured Kanika as a member of her stepfather's household by a policy with UIM coverage of $15,000. Willie Ayers acknowledges that Kanika can look to only one of the Colonial policies for UIM coverage. [2] William Ayers argues that, since GEICO provided $15,000 of UIM coverage to Kanika, she is entitled to add or stack that UIM coverage to the UIM coverage provided by Colonial. The stacked UIM coverage totals $30,000. Since the tortfeasor's GEICO liability coverage was $15,000, the plaintiff maintains that the tortfeasor's vehicle is underinsured. Accordingly, Willie Ayers seeks a declaratory judgment that Kanika is entitled to underinsured coverage.