An insured is an insured for UM, UIM coverage
Thanks to a pair of recent appellate cases, insurers must use the same definition of an "insured" for for both uninsured (UM) and underinsured (UIM) motorist coverage. For example, insurers can't say that a passenger in a vehicle covered by their policy is an "insured" for UM purposes but not for UIM purposes. The cases are Schultz v. Illinois Farmers Insurance Company and DeSaga v. West Bend Mutual Insurance Company. Find out more in Kevin W. Bloese's article in the latest issue of The Policy, newsletter of the ISBA Insurance Law Section.