Nationwide Mutual Insurance v. Boylan
Nationwide Mutual Insurance v. Boylan
Opinion of the Court
The issue in this case is whether Daniel Boylan and Eloise Boy-lan are entitled to uninsured motorist benefits under an insurance policy issued to the Boylans by Nationwide Mutual Insurance Company. The stipulated facts show that the Boylans were injured in a collision between vehicles driven by Daniel Boylan and Kiron Chen Roy. Although not involved in the impact, a third vehicle interacted with the vehicle driven by Roy and caused him to lose control and strike the vehicle occupied by the Boylans. For purposes of this appeal, the Boylans and Nationwide agree that this third vehicle was driven by an unknown person referred to as “John Doe,” and that Doe and Roy are joint tortfeasors with respect to the collision.
Roy’s insurer, Metropolitan Insurance Company, provided bodily injury liability coverage of $100,000 per person. Pursuant to a limited liability release in which the Boylans maintained their right of action against Doe and Nationwide, the Boylans settled their claims
The Boylans suffered personal injury, medical expenses, and other damages which exceeded $125,000 each. Nationwide provided them with uninsured motorist coverage of $25,000 per person for bodily injury. Nationwide filed for summary judgment and asked the trial court to rule that it was not required to pay the Boylans $25,000 each under its uninsured motorist coverage in addition to the $100,000 that they each received from Roy’s insurer. The Boylans filed a cross-motion for summary judgment. The trial court ruled in favor of the Boylans, and Nationwide appeals. We affirm for the reasons set forth below.
The disputed question is how to calculate the implicated amount of uninsured motorist coverage. Nationwide argues that we should subtract the available amount of liability insurance carried by the motorists involved in the collision from the available amount of uninsured motorist coverage. Using this method to calculate Nationwide’s insurance obligation, Daniel Boylan and Eloise Boylan received $100,000 each in liability insurance payments from Roy’s insurer; this amount exceeds the $25,000 in uninsured motorist coverage available to each of them under Nationwide’s insurance policy; and so Nationwide would not accrue any insurance liability. The Boylans, on the other hand, claim that the uninsured driver, Doe, should be considered separately. After settling with Roy, the Boylans had a cause of action against Doe as a joint tortfeasor.
In Jones v. Cotton States Mut. Ins. Co.,
The total amount of uninsured motorist coverage available to O’Gwin was $50,000. Cotton States eventually paid $50,000 and moved for summary judgment on Jones’s claim for bad faith penalties and attorney fees. Cotton States argued that no question of fact existed as to its good faith in denying Jones’s demand for payment. In particular, Cotton States argued that the trial court erred by prohib
We reject Nationwide’s invitation to overrule Jones. Nationwide contends that in Jones we erroneously relied on Wages v. State Farm &c. Ins. Co.,
Nationwide also relies on Sanborn v. Farley,
Sanborn differs from the facts of this case because the two drivers in Sanborn were insured, placing both vehicles within subsection (ii). In contrast, subsection (ii) does not apply to the vehicle driven by Roy or the vehicle driven by Doe. Roy was not underinsured, and Doe had no available insurance, placing his vehicle within subsection (i). We note that a result implicating Nationwide’s insurance comports with the intentions of the Uninsured Motorist Statute “to place insureds in the same position they would be in relation to coverage if the tortfeasors causing the injuries had obtained at least the minimum prescribed liability insurance.”
Judgment affirmed.
See Miller v. Grand Union Co., 270 Ga. 537, 538 (1) (512 SE2d 887) (1999).
185 Ga. App. 66 (363 SE2d 303) (1987).
Id. at 66-67 (1) (a).
(Punctuation omitted.) Id. at 67 (1) (a), quoting Wages v. State Farm &c. Ins. Co., 132 Ga. App. 79, 83 (1) (208 SE2d 1) (1974).
Supra.
Ga. L. 1980, p. 1428 et seq. This subsection provides, in pertinent part, that an “Uninsured Motor Vehicle” means a motor vehicle as to which there is:
[b]odily injury liability insurance and property damage liability insurance with available coverages which are less than the limits of the uninsured motorist coverage provided under the insured’s insurance policy, but the motor vehicle shall only be considered to be uninsured for the amount of the difference between the available coverages under the bodily injury liability insurance and property damage liability insurance coverages on such motor vehicle and the limits of the uninsured motorist coverage provided under the insured’s motor vehicle insurance policy. . . .
See Sanborn v. Farley, 192 Ga. App. 376, 377 (385 SE2d 6) (1989).
Jones, supra at 67 (1) (a).
Supra.
(Citation and punctuation omitted.) Id. at 377.
(Citation and punctuation omitted.) Young v. Maryland Cas. Co., 228 Ga. App. 388, 390 (1) (491 SE2d 839) (1997).
Case-law data current through December 31, 2025. Source: CourtListener bulk data.