State Farm Mutual Automobile Insurance Company v. Brian K. Johnson

Summary

The court held that Colorado's uninsured/underinsured motorist statute did not abrogate common-law principles of implied or apparent authority. Because Johnson delegated responsibility for obtaining insurance to his friend, she had implied authority to reject additional UM/UIM coverage on his behalf, making the rejection binding and precluding recovery of additional benefits. The court reversed the court of appeals and remanded for further proceedings consistent with its opinion.