Court Opinion

ID: 9726269
Source: CourtListenerOpinion
Date Created: 2023-08-26 12:40:00.898945+00
Date Added: 2024-06-11T18:25:24.728181
License: Public Domain

GARRARD, Judge,
concurring.
For me the critical feature of this lawsuit concerns the fact that the negligent driver had split coverage insurance ($50,000 per person and a maximum of $100,000 per accident) while the Allstate policy was a single limit policy providing $100,000 per accident. I agree with the statement that the purpose of the statute is to give an insured the opportunity by electing the coverage to place himself in the position he would have occupied if the tortfeasor had coverage equal to his own underinsured motorist limits. Since the per accident value of the available coverage was equal to what the Allstate policy protected, I agree that Hartgraves' vehicle was not an underinsured vehicle. Therefore I concur in the result reached by the majority.