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  5. 732 S.W.2d 137 (1987)
 

STATE FARM MUT. AUTO. INS. CO. v. SMITH

No. 87-82.

732 S.W.2d 137 (1987)

292 Ark. 614

STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Appellant, v. Mark SMITH, Guardian of Christine Smith, an Incompetent, Appellee.

Supreme Court of Arkansas.

July 6, 1987.

Attorney(s) appearing for the Case

Laser, Sharp & Mayes by Ralph Wilson, Little Rock, for appellant.

Sam T. Heuer, Batesville, for appellee.

DUDLEY, Justice.

Appellant, State Farm Mutual Automobile Insurance Company, sold three separate insurance policies on three different automobiles to Mark and Christine Smith. Each of the policies provided identical coverage against one year's loss of income as required by the no-fault statute, Ark.Stat. Ann. § 66-4014(b) (Repl.1980). Appellant charged a premium on each policy for this coverage. The appellee, Christine Smith, was totally disabled in a car wreck...

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