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CARSON v. MERCURY INS. CO.

No. G045795.

210 Cal.App.4th 409 (2012)

148 Cal. Rptr. 3d 518

MELODY CARSON, Plaintiff and Appellant, v. MERCURY INSURANCE COMPANY, Defendant and Respondent.

Court of Appeals of California, Fourth District, Division Three.

September 24, 2012.

Attorney(s) appearing for the Case

Day Law Offices and Montie S. Day for Plaintiff and Appellant.

O'Connor, Schmeltzer & O'Connor, Lee P. O'Connor and Timothy J. O'Connor for Defendant and Respondent.

OPINION

O'LEARY, P. J. —

Soon after purchasing her first new car, Melody Carson was involved in an automobile accident with a third party, who was at fault and who was insured. At the time of the accident, Carson's vehicle had a market value of $25,000. Her automobile insurance policy with Mercury Insurance Company provided it had the option of repairing or paying for Carson's vehicle, subject to several express liability limitations...

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