LIACOS, C.J.
The plaintiffs, Richard C. Jacobs and Anne Jacobs, brought this action against United States Fidelity & Guaranty Company (USF&G) alleging that they were entitled to underinsured motorist coverage benefits under a policy issued by USF&G to Richard Jacobs' employer, Sgarzi Pontiac-Buick, Inc. (Sgarzi), and that USF&G had violated G.L.c. 93A (1992 ed.) and G.L.c. 176D, § 3 (9) (1992 ed.), by denying their claims. They sought a declaratory...
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