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RINGELBERG v. EMC INS. GROUP, INC.

No. 02-0163.

660 N.W.2d 27 (2003)

Timothy RINGELBERG, Administrator of the Estate of Danielle Ringelberg, Zachary Ringelberg, by his Next Friend, Timothy Ringelberg, Christopher Ringelberg, by his Next Friend, Timothy Ringelberg, and Timothy Ringelberg, Individually, Appellants, v. EMC INSURANCE GROUP, INC., an Iowa Corporation, Appellee.

Supreme Court of Iowa.

April 2, 2003.

Attorney(s) appearing for the Case

Michael J. Jacobsma of Klay, Veldhuizen, Bindner, De Jong & Jacobsma, P.L.C., Orange City, for appellants.

Mark L. Tripp and David N. May of Bradshaw, Fowler, Proctor & Fairgrave, P.C., Des Moines, for appellee.

CARTER, Justice.

Zachary Ringelberg, Christopher Ringelberg, and the estate of their deceased sister, Danielle Ringelberg, appeal from the decision in a declaratory-judgment action that interpreted the uninsured-motorist coverage in a family auto policy as providing only minimum limits. Although the policy in question had uninsured-motorist coverage with limits of $250,000 per person and $500,000 per accident, endorsements to the policy provided a step-down of that...

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