Casualty & Surety Co. v. McMichael
In Casualty & Surety Co. v. McMichael, 906 P.2d 92 (Colo. 1995), the supreme court held that public policy required insurers to provide uninsured and underinsured motorist coverage to a class of individuals coextensive with the class covered by the liability provision in the policy.
In its analysis, the court found it necessary to construe the uninsured motorist coverage of an automobile insurance policy in the light of the policy's liability coverage, explaining that:
Consumers unaware of or unschooled in the vagaries of insurance contracts would be misled into believing they have purchased coverage when in reality they have not. Moreover, this interpretation provides protection to individuals from loss caused by negligent, financially irresponsible motorists. Aetna Casualty & Surety Co. v. McMichael, supra, 906 P.2d at 98.