Kelly V. Aetna Casualty & Surety Co‪.‬

Petitioner, Terrence Kelly, seeks recovery under the terms of an umbrella policy issued by respondent, Aetna Casualty and Surety Company. The trial court dismissed petitioner's contract action, holding that no coverage was provided by the underlying automobile liability policy or the umbrella policy. The Court of Appeals affirmed. We granted review and now affirm the Court of Appeals.