Does a corporate representatives rejection of UM/UIM apply to all company subsidiaries?
In 1996, G. Michael Linko was killed in a three-fatality auto accident in New York. The driver allegedly at fault was Shawn LaDue who had a policy with a limit of $100,000 issued by Nationwide. That company tendered the policy limit to be divided among the beneficiaries of the three people who were killed. Michael Linko was also named as an insured under a business automobile policy issued by Indemnity Insurance Company. At the time of the accident, Linko was driving a car leased or owned by Saint-Gobain Industrial Ceramics, Inc. (SGIC), and was driving in the course of his employment. SGIC was one of several subsidiaries of Compagnie de Saint-Gobain, a French corporation, which owned a holding company in the United States known as Saint-Gobain Corporation (SGC). The latter owned the Norton Company, which owned Saint-Gobain Advanced Materials Corporation (SGAMC) and others. SGAMC owned Linko’s employer, SGIC. Indemnity Insurance Company had issued an indemnity policy (with limits of $3
