These policies are purchased not just because they are often required by law, but also because they offer necessary financial protections to to those who survive and also to those who survive them. However, establishing insurance liability when there are so many caveats to coverage can be a challenge.
In the recent case of Nodak Mutual Ins. Co. v. Koller, the guardian of a child whose mother perished in an all-terrain vehicle accident sought to establish maximum coverage from the insurer. The insurer, however, fought to establish that only the lesser “step-down” coverage was applicable. The outcome hinged on whether decedent driver was a household resident of the insured, his stepfather. Continue reading →