Granados v. Wilson
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The Supreme Court affirmed the decision of the court of appeals panel reversing the judgment of the district court against Key Insurance Company in this garnishment action brought by Nancy Granados seeking pay under the liability insurance policy Key had issued to John Wilson, holding the court of appeals made the correct conclusion.
John Wilson struck a car while he was driving under the influence and killed the driver. The driver's wife, Granados, brought a wrongful death lawsuit against Wilson. The district court entered a judgment against Wilson for nearly $3.5 million. Granados then filed this garnishment action seeking payment from Key under the automobile liability insurance policy it had issued to Wilson and under which Key limited tis coverage for bodily injuries caused by Wilson to $50,000 in the aggregate. Granados argued that, despite the policy limits, Key's negligent and bad-faith handling of Wilson's claim rendered it liable for the entire judgment. The trial court agreed and entered judgment against Key. The court of appeals reversed. The Supreme Court affirmed, holding that Granados failed to meet her burden to prove that Key's handling of the claim caused the judgment exceeding policy limits.
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