Court of Appeals of Washington January 23, 2003, No. 21326-9-III (Hardy v. Pemco Mutual Insurance)

Brown, C.J. —

Jo F. Hardy was seriously injured in an automobile accident while driving another person’s vehicle. Her injuries exceeded the $50,000 limit she received from the at-fault driver’s insurance company. She received $100,000 from the owner of the vehicle’s underinsured motorist (UIM) policy. Ms.