Marilyn Bowers was seriously injured when she was standing at a convenience store and an underinsured motorist drove into the building, seriously injuring her. Bowers and her husband were named insureds under an auto policy that General Casualty Insurance Co. issued for their three vehicles.
Each vehicle was listed on the declaration page as having underinsured motorist coverage with limits of $250,000 in return for separate premiums for $24 for a Chevrolet and $29 each for a 2005 Pontiac Grand Prix and a 2005 Ford F-150 pickup truck.
On the insurance document regarding information on the policy it read: “The coverage listed below applies separately for each vehicle and are provided where a premium is shown. The limit of liability applies separately for each vehicle.”