514 N.E.2d 440 | Ohio Ct. App. | 1986
This cause came on before the court upon plaintiffs' appeal from the granting of summary judgment. We affirm.
Plaintiffs' decedent, Todd Ware, was killed in a motorcycle accident. He was riding as a passenger on a motorcycle driven by Terry Donahew. Both *75 families were insured by Nationwide Insurance Company ("Nationwide").
The Ware family received $25,000, the full policy amount under the Donahew policy. The Wares filed suit against Nationwide seeking to recover $25,000 from their underinsured motorist policy. Both parties moved for summary judgment. The trial court granted defendant's motion. Plaintiffs appeal.
In Ohio, underinsured motorist coverage is required to be offered by R.C.
"Underinsured motorist coverage, which shall be in an amount of coverage equivalent to the automobile liability or motor vehicle liability coverage and shall provide protection for an insured against loss for bodily injury, sickness, or disease, including death, where the limits of coverage available for payment to the insured under all bodily injury liability bonds and insurance policies covering persons liable to the insured are less than the limits for the insured's uninsured motorist coverage at the time of the accident. The limits of liability for an insurer providing underinsured motorist coverage shall be the limits of such coverage, less those amounts actually recovered under all applicable bodily injury liability bonds and insurance policies covering persons liable to the insured." (Emphasis added.)
Thus, underinsurance coverage is triggered when the maximum amount recoverable from the person liable is less than the amount of coverage carried by the insured. In this case, both policy holders had coverage of $25,000. Therefore, the underinsured coverage under R.C.
Plaintiffs urge the court to find that Gomolka v. State Auto.Mut. Ins. Co. (1984),
In both Gomolka and James, the underinsurance coverage exceeded the amount recoverable from the person liable for the injury. Therefore, R.C.
Plaintiffs' assignment of error is not well-taken. The decision of the trial court is affirmed.
Judgment affirmed.
MAHONEY, P.J., and QUILLIN, J., concur.