Teague

BACKGROUND

The Insurance Policy In 2016, plaintiff Darrell Teague and his wife renewed their automobile insurance with Personal Express Insurance Company. Defendant National General Insurance Company is the successor of Personal Express Insurance Company. The declarations page from the policy listed the Teagues as insured drivers and their Chevrolet Silverado as the insured vehicle. The schedule of coverages and limits includes an entry for “Uninsured / Underinsured Motorist Bodily Injury” with limits of “$250,000 Each Person / $500,000 Each Accident” at a premium of $40.00. The schedule also includes an entry for “Umbrella” with a limit of $1,000,000 at a premium of $126.00. Nothing in the declarations page indicates the umbrella coverage is limited to liability incurred by the insured drivers or, more specifically, that it does not extend to the uninsured motorist coverage.

2. Part C of the policy sets forth the terms of the uninsured motorist coverage. Three provisions in part C address the limit on liability, other insurance, and arbitration. First, the “LIMIT OF LIABILITY” section in part C includes a provision which states: “The limit of liability shown in the Declarations…