Sanders v. American Spirit Ins. Co

In Sanders v. American Spirit Ins. Co., 135 N.C. App. 178, 519 S.E.2d 323 (1999), this Court held the rejection of UIM coverage to be ineffective where the form provided the option of rejecting "UM/UIM Coverage" instead of providing the option of rejecting "Combined UM/UIM Coverage" as contained on the form promulgated by the Rate Bureau and approved by the Department of Insurance. Id. at 183, 519 S.E.2d at 326. Thus, the failure to identify the "UM and UIM Coverage" as "Combined" coverage on the selection/rejection form rendered it invalid, even though it complied with the Rate Bureau and Department of Insurance in other respects. Sanders, 135 N.C. App. at 183-186, 519 S.E.2d at 326-328.