McWhite v ACE American Ins Co
Affirmed by unpublished opinion. Justice O’CONNOR wrote the opinion, in which Judge DUNCAN and Judge AGEE joined.
Unpublished opinions are not binding precedent in this circuit.
O’CONNOR, Associate Justice:
Appellant Stanley McWhite appeals the district court’s grant of summary judgment to Appellee ACE American Insurance Company in his suit claiming that his employer’s automobile insurance policy includes or should be reformed to include underinsured motorist coverage. For the reasons set forth below, we affirm the judgment of the district court.
I.
Appellant Stanley McWhite was employed by Ahold Americas Holdings, Inc. On February 10, 2005, McWhite was driving a tractor-trailer truck owned by Ahold, when the truck jack-knifed. McWhite exited the truck, and while setting up warning triangles along the road, as required by Ahold policy and Department of Transportation regulations, McWhite was struck and injured by a vehicle driven by an “underinsured” motorist.1
After recovering $25,000 from the driver of the vehicle, see Covenant Not to Execute, J.A. 57, McWhite filed suit against his employer’s insurance company, Appellee ACE American Insurance Company, in the Florence County, South Carolina, Court of Common Pleas. McWhite sought a declaratory judgment that he is an “insured” for purposes of underinsured motorist (“UIM”) coverage under a policy issued by ACE to Ahold. ACE removed the case to the U.S. District Court for the District of South Carolina on the grounds of diversity
