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WILKES v. FREEMAN

No. 2935.

334 S.C. 206 (1999)

512 S.E.2d 530

Grover WILKES and Lori Wilkes, Appellants, v. David FREEMAN, State Farm Mutual Automobile Insurance Company, and Horace Mann Insurance Company, of whom Horace Mann Insurance Company is, Respondent.

Court of Appeals of South Carolina.

Decided February 1, 1999.

Rehearing Denied March 27, 1999.

Attorney(s) appearing for the Case

Harry R. Easterling, Jr., of Goldberg & Easterling, of Bennettsville; and Robert J. Thomas, of Rogers, Townsend & Thomas, of Columbia, for appellants.

Michael M. Nunn, of Coleman, Aiken & Chase, of Florence, for respondent.

HOWELL, Chief Judge:

In this action, Grover and Lori Wilkes allege Horace Mann Insurance Company (Horace Mann) failed to provide a meaningful offer of underinsured motorist (UIM) coverage by failing to provide UIM coverage "up to" Lori Wilkes's liability coverage limits. The circuit court refused to reform Lori Wilkes's insurance policy to include UIM coverage. The Wilkeses appeal. We reverse.

I.

In 1988, Lori Wilkes obtained an automobile liability...

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