Freeland v. Liberty Mut. Fire Ins. Co.
United States Court of Appeals for the Sixth Circuit
632 F.3d 250 (6th Cir. 2011)
John and Betty Freeland (plaintiffs) took out a car insurance policy with Liberty Mutual Fire Insurance Co. (Liberty Mutual) (defendant). The policy provided coverage for bodily injuries up to $100,000.00 per accident or coverage for accidents caused by uninsured/underinsured motorists (UM/UIM coverage) up to $25,000.00. On March 7, 2007, the Freelands’ son was driving their car with his wife and children and got into a fatal car accident. Because the Freelands’ son was uninsured, Liberty Mutual offered to pay out $25,000.00 under the UM/UIM coverage. The Freelands brought suit against Liberty Mutual seeking a declaratory judgment that they were entitled to the $100,000.00 bodily injury coverage. The basis for jurisdiction was diversity jurisdiction.
Rule of Law
Holding and Reasoning (Thapar, J.)
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