The Supreme Court of South Carolina has issued its decision in Progressive Casualty Ins. v. Leachman, which questioned Progressive's use of UIM selection forms. The court found that such forms constituted meaningful offers and that, in making such an offer, it is sufficient for an insurer to offer an insured all of the coverage amounts an insurer is authorized to sell.
Leachman was seriously injured when he was hit by an automobile while taking a walk. In addition to UIM coverage, for which Progressive paid $100,000, he also sought additional coverage up to the amount of his liability coverage.
Leachman had purchased a $300,000 combined single limit liability automobile insurance policy from Progressive. The form explained that increased coverage was available, and instructed insureds to select the amount of coverage they desired. Insureds also were instructed to acknowledge that they had selected or rejected UIM coverage. Leachman selected UIM coverage, and signed the form at the bottom, noting that the UIM coverage was lower than his liability coverage.
Recommended For You
Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader
Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:
- Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
- Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
- Educational webcasts, white papers, and ebooks from industry thought leaders
- Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
Already have an account? Sign In Now
© 2025 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.
