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TWIN CITY FIRE INS. CO. v. ADKINS

Nos. 04-3204, 04-3205.

400 F.3d 293 (2005)

TWIN CITY FIRE INSURANCE COMPANY, Plaintiff-Appellee, v. Michele ADKINS et al., Defendants-Appellants. Michele Adkins et al., Plaintiffs-Appellants, v. Twin City Fire Insurance Company; Insurance Company of North America; First State Insurance Company, Defendants-Appellees.

United States Court of Appeals, Sixth Circuit.

Decided and Filed: March 3, 2005.

Attorney(s) appearing for the Case

ARGUED: Gregory K. Pratt, Pratt & Singer, Middletown, Ohio, for Appellants. Richard M. Garner, Davis & Young, Cleveland, Ohio, David S. Bloomfield, Jr., Porter, Wright, Morris & Arthur, Columbus, Ohio, Bruce M. Allman, Thompson Hine, Cincinnati, Ohio, for Appellees. ON BRIEF: Gregory K. Pratt, Pratt & Singer, Middletown, Ohio, for Appellants. Richard M. Garner, Davis & Young, Cleveland, Ohio, David S. Bloomfield, Jr., John Kenneth Thien, Porter, Wright, Morris & Arthur, Columbus, Ohio, Bruce M. Allman, Matthew C. Curran, Thompson Hine, Cincinnati, Ohio, for Appellees.

Before: MERRITT, MOORE, and GILMAN, Circuit Judges.

OPINION

GILMAN, Circuit Judge.

Michele Adkins was involved in an automobile accident in 1983 that seriously injured her and her unborn daughter. At the time of the accident, Michele's husband was employed by a subsidiary of the American Electric Power Company. American Electric had three insurance policies then in force that provided for uninsured and underinsured motorist (UM/UIM) coverage. The Adkinses brought the present action seeking coverage under...

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