In Pixton v. State Farm Mutual Automobile Insurance Co., 809 P.2d 746 (Utah Ct. App. 1991), although the contending parties were both separately insured by State Farm, the plaintiff sued State Farm as a third party to recover under the other individual's insurance policy. Id. at 747. The court of appeals held that the plaintiff's own contractual relationship with State Farm was unrelated to his third-party claim against the insurance company. Id. at 749.