AMCO Ins. Co. v. Williams, arose from a fatal car crash. The insured’s estate sought underinsured (UIM) motorist coverage after recovering the tortfeasor’s policy limits. The claim was denied. The insured sought summary judgment establishing coverage.
The insurer claimed there was no coverage because the tortfeasor’s vehicle was not underinsured. The insured said the policy was ambiguous. Judgment for the insurer was proper because the bodily injury liability limits for the tortfeasor’s vehicle was greater than the insured’s policy’s UIM liability limit. The policy was not ambiguous when interpreted as a whole.