Kinder v. Oklahoma Farmers Union Mut‪.‬

1 Larry Shawn Kinder (Appellant) was injured on June 12, 1988, in an automobile accident, when the automobile he was driving collided with that driven by an uninsured motorist. Appellant was nineteen years old at the time of the accident and resided with his parents in their home. He was a covered insured under his parents automobile insurance policy issued by Oklahoma Farmers Union Mutual Insurance Company (Appellee). The policy covered six automobiles, including the one Appellant was driving at the time of his accident. The policy limits for uninsured motorist (UM) coverage was 25/50, i.e., $25,000.00 per person and $50,000.00 per accident. Appellant contended he was entitled to "stack" the UM coverage for each vehicle covered under the policy, and made a claim against Appellee for UM benefits in the amount of $150,000.00. Appellee paid $25,000.00 to Appellant, with the agreement that Appellant could pursue the stacking issue for additional benefits through litigation.