Trustgard issued the policy anyway, with a declarations page reflecting the $100,000 UM limit. When Sullivan was rear-ended on Interstate 285 by another driver, Brittany Singletary, and sustained lasting injuries, the UM limit became the central issue. Sullivan argued he was entitled to $1 million in UM coverage, matching the liability limit. Trustgard said the limit was $100,000. The trial court agreed with Trustgard.
