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On November 20, 2020, the Superior Court of Delaware confirmed that coverage denials that rely on plain policy language outlined in an automobile insurance policy’s Insuring Agreement, as opposed to a policy exclusion, are more likely to be upheld in underinsured/uninsured motorist claims. In
Michael Ruiz, Tammy Irizarry, Individually and as Next Friend of G.I. v. State Farm Fire & Casualty Company and Hartford Underwriters Insurance Company, C.A. NO.: S19C-07-024, (Del. Super. November 19, 2020)., the Court enforced the plain language of the applicable automobile insurance policy when determining that underinsured motorist (UIM) coverage was not available to members of a household shared with an unrelated insured.