Codiejo Apodaca, N/k/a Codiejo Martinez, and Michelle I. Carlton, Petitioners v. Allstate Insurance Company, An…

Summary

The court held that Colorado's uninsured/underinsured motorist statute does not require an insurer to offer UM/UIM coverage with a general umbrella policy that provides excess automobile-related liability coverage. Because the umbrella policy was not an automobile or motor vehicle liability policy within the statute's plain meaning, the insureds could not obtain judicial reformation of the policy, and dismissal for failure to state a claim was proper. The court affirmed the court of appeals.