The Arizona Supreme Court held that state law mandates that a single auto insurance policy that insures multiple vehicles provides different uninsured motorist coverages for each vehicle ”notwithstanding creative policy drafting intended to evade statutory requirements.”

In underlying case, Franklin v. CSAA General Insurance, Kay Franklin’s mother perished in an auto accident caused by a negligent driver. Franklin collected the per person liability limit of the negligent driver’s insurance policy of $25,000. According to the case summary, Franklin collected $25,000 under the tortfeasor’s policy and made an underinsured motorist claim under her mother’s policy with defendant CSAA General Insurance Co. Franklin’s mother had $50,000 of UIM coverage per person under her CSAA policy.