ÿWPCÜ ñ|Ï·JõÁô‘O8[Öïœá;ü¬¯£)°6Ìk‚ã¦úÓâä?êêæ×‚ðíyse‚f71ÙøýË÷dd·i'øÖª²I6<ÿCɆìpÞï2Jd~ÐF¨Î,4¯ˆ¥IÁyéeD‹cñ=ý£æE›hFÖп‹­&‰ð%j 3>Ìؾªy<½l,²ÿL éÔ“óƒ­;qm_† ‡?Aú$xGüÞ ¦âÞì4äT¶FlÂÀÏXžþÜý´PÝš òü´­ìj÷±ÿTµíA* $a‡Êäħ}`ì1HY,"žxÅìaÑ~3~Û˧ԧõ:d޲n Ì"×]ûE­ÚëGeÙ-©t4ücýRá-%±B[ß’<ê)pñ I®§í}k0iü¦=§žßZ EÛä5·<8ö¨ó€:3)ʼtMõÿÔtªÙ°#l€ÍN cZI±+Q ¤¥ó8IŽB;ãäfô8;3'Øf½6™sÄ…”J— ÆíËvqË]’”W:‡Âð¤j˜1*XZv”TBG¡—@††$”G´œœñú]&aA4ÄhZOQf݈Îߎº\…Æëj¾Eð˜+buþµb#Á\ % ^ # 0ˆ/ UN· w 4 z Ò— i x mz ‘ Æ™ Æ_ Æ% Æë رN‰ 0D‹‹EÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏÏbÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑÑ 0ëÙÙÙÙ BÄÄ 0¤á D3… D-¸ 0Kåå AS0ƃ 0¤I 0Dí A«1˜HP LaserJet 4050 Series PCL 6ÈÈ,,,,ÈÈ0»ÓyŸ-s (`£ª$¡¡Ñ€.ÑÑ8€½­»»d»»d8ÑÑ ý ÑÓ  Ó(í€"  Z6Times New Roman Regularš‚,-B011C8 ˜C:\PROGRA~1\COREL\WORDPE~1\TEMPLATE\CUSTOM~1\REVISE~1.WPTC:\Program Files\Corel\WordPerfect Office 2000\Template\Custom WP Templates\revised standard opinion.wpt3|xÿU‹ÿÀÀÀ Level 1Level 2Level 3Level 4Level 5‚Level 1Level 2Level 3Level 4Level 5„Level 1Level 2Level 3Level 4Level 5…Level 1Level 2Level 3Level 4Level 5 ÎÝ ƒR!$ÝÓ  Óà  àòòÚ  Ú1Ú  ÚóóÔ€ôáò»»ÔÝ  ÝÔ_ÔA€reproduction€of€the€actual€form€used€is€attached€hereto€as€Appendix€ð ðAðð.(#Ã$òòÚ  Ú0Ú  Úóó- ù-(|G2!$¤¤Ý ƒ£ª!ÝÑ€.ÑÑ8€FM»»dXXdì8ÑÑ ý ÑÓ  ÓÝ  Ýà  àòòÚ  Ú0Ú  ÚóóÔ€ôáò»»Ô d(|3‰T$££Ý ƒ£ª!ÝÑ€.ÑÑ8€FM»»dXXdì8ÑÑ ý ÑÓ  ÓÝ  ÝVVVV'ÿÿdxd)!ÈÈÈÈdxdx( ±þ$’’ò òFigure€Ú  Ú1Ú  Úó ó^_X`YEþÿ<<CÿÿƒLevel 1Level 2Level 3Level 4Level 5(|3‰T$¢¢Ý ƒ£ª!ÝÑ€.ÑÑ8€FM»»dXXdì8ÑÑ ý ÑÓ  ÓÝ  Ý($$””ò òÚ  Ú1Ú  Úó óX[Z&OLE 2.0 Box <=8ÿÿÿÿÿÿÿÿÿÿCÿÿ HKKKKÝ ƒ£ª!ÝÑ€.ÑÑ8€FM»»ddÈ8ÑÑ ý ÑÓ  ÓÝ  ÝÔ_ÔÑ  ÑÔ€¼FM»»»ÔÑ8€‘XXdì»»d8ÑÑ  Ñà@ü ü ìàÔ‡îHFMÔIN€THE€COURT€OF€APPEALS€OF€TENNESSEEˆÐ ° Ðà@kk$ìàAT€NASHVILLEÔ#†¼FM»îîH #ԈРÖ& ÐÓ  ÓSeptember€5,€2002€SessionÐ üL ÐÔ‡X‘X»¼FMÔÌò òÔ#†¼FM»XX‘ö#ÔPAUL€R.€PEAK,€òòet€al.óó€v.€TRAVELERS€INDEMNITY€COMPANYÔ‡X‘X»¼FMÔó óÐ úJ ÐÌà@@½½ìàò ò€Appeal€from€the€Chancery€Court€for€Rutherford€CountyÐ ú J Ðà@@øøìàNo.€00CV„1053€€€€€€Robert€E.€Ô_ÔCorlewÔ_Ô,€III,€ChancellorÐ æ 6 ÐÌÌà@@ìì*ìàßA€V) °°` d€÷E<©` AßÐ ªú  ÐÌà@@TTìàNo.€M2001„03047„Ô_ÔCOAÔ_Ô„R3„CV€„€Filed€December€31,€Ô_Ô2002Ô_ÔÐ ¥õ  ÐÌßA€V) °°` dE<|` AßÐ }Í  Ðó óÌÓ  ÓThe€named€Ô_ÔinsuredsÔ_Ô€in€an€automobile€liability€insurance€policy€providing€$300,000€per€accidentÐ xÈ  Ðliability€insurance€appeal€a€trial€court€grant€of€summary€judgment€that€they€had€effectively€reducedÐ d´ Ðtheir€uninsured€motorist€limits€per€accident€to€$60,000.€€We€affirm€the€judgment€of€the€trial€court.Ð P  ÐÓçÓÌò òTenn.€R.€App.€P.€3€Appeal€as€of€Right;€Judgment€of€the€Chancery€Court€Affirmedó óÐ (x ÐÌòòÓ  ÓÔ#†¼FM»àX‘u#ÔÔ‡X‘X.¼FMÔWilliam€B.€Cain,óó€J.,€delivered€the€opinion€of€the€court,€in€which€òòóóPòòATRICIAóó€J.€CòòOTTRELLóó,€J.€andÐ P ÐEòòLLENóó€Ô_ÔHòòOBBSÔ_Ôóó€LòòYLEóó,€SòòPóó.€J.òòóó,€joined.Ð ì< ÐÌRick€G.€Mansfield,€Murfreesboro,€Tennessee€and€Larry€R.€Ô_ÔMcElhaneyÔ_Ô,€II€and€S.€Alexa€Ô_ÔWhittemoreÔ_Ô,Ð Ä ÐNashville,€Tennessee,€for€the€appellants,€Paul€R.€Peak€and€Virginia€M.€Peak.Ð ° ÐÌMarc€O.€Ô_ÔDedmanÔ_Ô€and€Gayle€B.€Ô_ÔLakeyÔ_Ô,€Nashville,€Tennessee,€for€the€appellee,€Travelers€Indemnity€Ð ˆØ ÐCompany.€€Ð tÄ ÐÓöÓÌò òOPINIONó óÔ#†¼FM»XX‘%#ÔÔ‡X‘X»¼FMÔÐ L œ ÐÌòòóóÔ#†¼FM»XX‘j #ÔÓ  ÓÔ€X‘X»¼FMÔà  àOn€September€27,€1999,€Paul€R.€Peak€and€wife,€Virginia€M.€Peak€were€seriously€injured€inÐ $"t! Ðan€automobile€accident€involving€a€head€on€collision€with€another€vehicle.€€Mr.€and€Mrs.€Peak€wereÐ #`" Ðnamed€Ô_ÔinsuredsÔ_Ô€in€a€policy€of€automobile€liability€insurance€issued€to€them€by€Travelers€PropertyÐ ü#L# ÐCasualty€Insurance€Company,€which€policy€provided€liability€insurance€to€the€Peaks€with€limits€ofÐ è$8 $ Ð$300,000€per€accident.€€At€all€times€material€in€the€case,€Tennessee€Code€Annotated€section€56„7„Ð Ô%$!% Ð1201(a)(1)€required€that€such€policy€provide€uninsured/Ô_ÔunderinsuredÔ_Ô€motorist€coverage€equal€to€theÐ À&"& Ðbodily€injury€liability€limits€stated€in€the€policy€unless€an€effective€and€proper€rejection€of€such€equalÐ ¬'ü"' Ðlimits€was€made€in€writing€by€the€named€Ô_ÔinsuredsÔ_Ô€pursuant€to€Tennessee€Code€Annotated€sectionÐ ˜(è#( Ð56„7„1201(a)(2).€€The€policy€in€effect€at€the€time€of€the€September€27,€1999€accident€provided€forÐ „)Ô$) Ða€total€premium€of€$744€for€the€policy€period€from€September€10,€1999€to€March€10,€2000.€€The€faceÐ p*À%* Ðof€the€policy€provided€for€$300,000€bodily€injury€and€property€damage€for€each€accident,€togetherÐ \+¬&+ Ðwith€$5,000€medical€payment€coverage€for€each€accident.€€As€to€uninsured€motorist€coverage,€theÐ H,˜', Ðpolicy€declarations€provided:Ð 4-„(-ý ÐÔ_Ô‡à8  àD1&D3„à0¸ Ð Ð àUninsured€Motorists€Bodily€Injuryа¸ Ð ¸ Ð  Ðà  àà ` àà ¸ àUninsured€Motorists€Property€DamageÐ œì Ðà  àà ` àà ¸ à$60,000€each€accidentÐ ˆØ Ðà  àà ` àà ¸ àSee€Endorsement€A41041Ð tÄ ÐÌà  àThe€policy€in€effect€at€the€time€of€the€accident€was€a€renewal€of€a€policy€originally€issued€inÐ L œ ÐOctober€1996.€€At€the€time€the€original€policy€was€issued€and€at€all€times€material€in€the€case,Ð 8 ˆ ÐTennessee€Code€Annotated€section€56„7„1201(a)(1)(2)€provided:Ð $ t ÐÌà8  àà ` àò òRequirements€and€types€of€coverage€„„€€Presumptions€„„€Limitations€ofÐ ü L  Ðliability.€„„€ó ó(a)€Every€automobile€liability€insurance€policy€delivered,€issued€forÐ è 8  Ðdelivery€or€renewed€in€this€state,€covering€liability€arising€out€of€the€ownership,Ð Ø(  Ðmaintenance,€or€use€of€any€motor€vehicle€designed€for€use€primarily€on€public€roadsÐ Ä  Ðand€registered€or€principally€garaged€in€this€state,€shall€include€uninsured€motoristÐ °  Ðcoverage,€subject€to€provisions€filed€with€and€approved€by€the€commissioner,€for€theÐ œì  Ðprotection€of€persons€insured€thereunder€who€are€legally€entitled€to€recoverÐ ˆØ  Ðcompensatory€damages€from€owners€or€operators€of€uninsured€motor€vehiclesÐ tÄ Ðbecause€of€bodily€injury,€sickness€or€disease,€including€death,€resulting€therefrom.Ð`°Ð Ð  ÐÌà8  àà ` à(1)€€The€limits€of€such€uninsured€motorist€coverage€shall€be€equal€to€theÐ 8ˆ Ðbodily€injury€liability€limits€stated€in€the€policy.Ð$tÐ Ð  ÐÌà8  àà ` à(2)€€However,€any€named€insured€may€reject€in€writing€such€uninsuredÐ üL Ðmotorist€coverage€completely€or€select€lower€limits€of€such€coverage€but€not€less€thanÐ è8 Ðthe€minimum€coverage€limits€in€ðð€55„12„107.€€Any€document€signed€by€the€namedÐ Ô$ Ðinsured€or€legal€representative€which€initially€rejects€such€coverage€or€selects€lowerÐ À Ðlimits€shall€be€binding€upon€every€insured€to€whom€such€policy€applies,€and€shall€beÐ ¬ü Ðconclusively€presumed€to€become€a€part€of€the€policy€or€contract€when€issued€orÐ ˜è Ðdelivered,€irrespective€of€whether€physically€attached€thereto.€€Unless€the€namedÐ „Ô Ðinsured€subsequently€requests€such€coverage€in€writing,€the€rejected€coverage€needÐ pÀ Ðnot€be€included€in€or€supplemental€to€any€continuation,€renewal,€reinstatement,€orÐ \ ¬ Ðreplacement€of€such€policy,€or€the€transfer€of€vehicles€insured€thereunder,€where€theÐ H!˜ Ðnamed€insured€had€rejected€the€coverage€in€connection€with€a€policy€previouslyÐ 4"„  Ðissued€by€the€same€insurer;€provided,€that€whenever€a€new€application€is€submittedÐ  #p! Ðin€connection€with€any€renewal,€reinstatement€or€replacement€transaction,€theÐ  $\" Ðprovisions€of€this€section€shall€apply€in€the€same€manner€as€when€a€new€policy€isÐ ø$H # Ðbeing€issued.Ðä%4!$Ð Ð  ÐÌTenn.€Code€Ann.€ðð€56„7„1201(a)(1)(2).Ð ¼' #& Ðâ âÐ ¨(ø#' Ðà  àAt€the€time€of€the€October€1996€application€for€the€policy€and€as€a€part€thereof,€Paul€R.€PeakÐ ° Ðexecuted€and€returned€to€Travelers€the€following€document׃×Ý ƒ#ÃÝòòÚ  Ú1Ú  ÚóóÝ  Ý×  ×:Ð œì Ðâ âÌÓ  ÓUNINSURED€MOTORISTS€COVERAGEÐ tÄ ÐOPTION€SELECTION€FORM€(TENNESSEE)€Ð `° ÐÌÓ²Óà8  àÔ€ôáòXX‘ÔUnder€Tennessee€law,€we€must€provide€Uninsured€Motorists€Bodily€Injury€Coverage€at€a€limit€equalÐ 8 ˆ Ðto€the€Bodily€Injury€Liability€limit€of€your€policy.€€However,€you€have€the€right€to€reject€UninsuredÐ ü L ÐMotorists€Bodily€Injury€Coverage€entirely€or€to€select€a€limit€that€is€lower€than€your€Bodily€InjuryÐ À  ÐLiability€limit.€Ð„ Ô Ð Ð  ÐÌà8  àIf€you€accept€the€full€Uninsured€Motorists€Bodily€Injury€Coverage,€we€will€also€provide€UninsuredÐ  \  ÐMotorists€Property€Damage€Coverage€at€a€limit€equal€to€the€Property€Damage€Liability€limit€of€yourÐ Ð  Ðpolicy.€€However,€you€have€the€right€to€reject€Uninsured€Motorists€Property€Damage€coverage€entirelyÐ ”ä  Ðor€to€select€a€limit€that€is€lower€than€your€Property€Damage€Liability€limit.ÐX¨ Ð Ð  ÐÌÌà8  à€NOTE:€€You€may€not€choose€an€Uninsured€Motorists€Bodily€Injury€and/or€Property€Damage€limit€Ð ¤ô  Ѐ€€€€€€€€€€€€€€€€that€is€greater€than€your€Liability€limits.€€If€your€policy€has€a€single€Liability€limit,€you€may€Ð h¸ Ѐ€€€€€€€€€€€€€€€€choose€only€a€single€limit€Uninsured€Motorists€Coverage€option.€€If€you€have€split€Liability€Ð ,| Ѐ€€€€€€€€€€€€€€limits,€you€may€choose€only€a€split€limit€Uninsured€Motorists€Coverage€option.Ðð@Ð Ð  Ðà8  àÐ Ð Ð  Ðà8  àComplete€the€following€only€if€you€want€to€reject€all€or€part€of€your€Uninsured€Motorists€Coverage.ÐxÈÐ Ð  ÐÌà  àOPTION€Ià0 ¸ àð ðà0¸ (#¸ (#àI€reject€Uninsured€Motorists€Coverage€entirely.ÐP(#(# ÐÌà8  àOPTION€IIà0¸ Ð Ð àð ðà0¸ Ð ¸ Ð àI€do€not€want€Uninsured€Motorists€Property€Damage€Coverage.€€However,Ð ˆØ ÐI€do€want€Uninsured€Motorists€Bodily€Injury€Coverage€at€the€followingÐ Lœ Ðlimit.€€I€understand€that€the€limit€I€choose€must€be€equal€to€or€less€than€theÐ ` ÐBodily€Injury€Liability€limit€of€my€policy:ÐÔ$Ð Ð  ÐÌÓ  ÓBODILY€INJURY€ONLYÐ \¬ ÐÓ¼(ÓÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€SINGLE€LIMITà0 h àà0Àh(#h(#àà0À(#À(#àà0p(#(#à€€€€€€€€SPLIT€LIMITÐä4!p(#p(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€€€50,000à0 h àà0Àh(#h(#à€à0À(#À(#à€€€€€€€€€€€€€€ð ð€€€€$€€€€20,000/40,000€€€Ð¨ø"(#(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€100,000à0 h àà0Àh(#h(#àà0À(#À(#àà0p(#(#àð ð€€€€$€€€€25,000/50,000Ðl ¼#p(#p(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€200,000à0 h àà0Àh(#h(#àà0À(#À(#àà0p(#(#àð ð€€€€$€€50,000/100,000Ð0!€$p(#p(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€300,000à0 h àà0Àh(#h(#àà0À(#À(#àà0p(#(#àð ð€€€€$100,000/300,000Ðô!D%p(#p(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€500,000à0 h àà0Àh(#h(#àà0À(#À(#àà0p(#(#àð ð€€€€$250,000/500,000и"&p(#p(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€1,000,000à0 h àà0Àh(#h(#àà0À(#À(#àà0p(#(#àð ð€€€€$300,000/500,000Ð|#Ì'p(#p(# ÐÌà8  àOPTION€IIIà0¸ Ð Ð àð ðà0¸ Ð ¸ Ð àI€want€Uninsured€Motorists€Bodily€Injury€and€Property€Damage€Coverage.€Ð %T ) ÐHowever,€I€want€limits€lower€than€my€Bodily€Injury€and€Property€DamageÐ È%!* ÐLiability€limits:ÐŒ&Ü!+Ð Ð  ÐÌÌÌÐ œ)ì$/ ÐÓ  ÓBODILY€INJURY€AND€PROPERTY€DAMAGEÐ ° ÐÓ  ÓÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€SINGLE€LIMIT€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€SPLIT€LIMITSÐ 8ˆ ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€(Bodily€Injury)€€€€€€€€€€€€€€€€(Property€Damage)Ð À Ðà  àà ` àà ¸ à€€€òò60,000óóÐ „Ô Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€€€50,000à0 h àð ð€€€€$€€€€20,000/40,000€€€à0ph(#h(#à€€€€€€€€€€$€€€10,000à0 p(#p(#àÐH ˜ (# (# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€100,000à0 h àð ð€€€€$€€€€25,000/50,000€€€€€€€€€€€€€€€€€$€€€10,000Ð \h(#h(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€200,000à0 h àð ð€€€€$€€50,000/100,000€€€€€€€€€€€€€€€€€$€€€25,000ÐÐ h(#h(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€300,000à0 h àð ð€€€€$100,000/300,000€€€€€€€€€€€€€€€€€$€€€50,000Д ä h(#h(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€€€€500,000à0 h àð ð€€€€$250,000/500,000€€€€€€€€€€€€€€€€€$€€€50,000ÐX ¨ h(#h(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€ð ð€€€$€€1,000,000à0 h àð ð€€€€$300,000/500,000€€€€€€€€€€€€€€€€€$€100,000Ð l h(#h(# ÐÌà8  àI€understand€and€agree€that€selection€of€one€of€the€above€options€applies€to€my€present€auto€insuranceÐ ¤ô  Ðpolicy€and€future€renewals€or€replacements€of€this€policy.€€If€I€decide€to€select€another€option€at€someÐ h¸  Ðfuture€time,€I€must€let€the€Company€or€my€agent€know€in€writing.Ð,| Ð Ð  ÐÌÔ€X‘XòôáÔà  àòò€€òò10„10„96€€à ¸ àà  àà h à€€€€€€€€€€€€€€€€€€€€€€Paul€R.€Peak€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€óóóóÐ ´  ÐÔ€ôáòXX‘Ô€€€€€€€€€€€€€€€€€€€€€Date€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€Signature€(Named€Insured)Ð  ð  ÐÌÔ€X‘XòôáÔÌà  àBased€upon€this€document,€the€uninsured€motorist€limits€in€the€original€policy€was€$60,000Ð d Ðand€the€record€discloses€no€requests€by€the€named€insureds€subsequent€thereto€for€any€increase€inÐ P Ðuninsured/underinsured€motorist€coverage€and€the€$60,000€limits€were€carried€over€into€subsequentÐ ì< Ðrenewals€through€and€including€the€September€10,€1999€renewal€in€effect€at€the€time€of€the€accident.Ð Ø( ÐÌà  àAppellants€assert€that€because€the€Option€III€box€on€the€Uninsured€Motorist€Coverage€OptionÐ ° ÐSelection€Form€was€not€marked€in€October€1996,€it€is€ineffective€to€reduce€the€uninsured/Ð œì Ðunderinsured€motorist€coverage€from€$300,000€to€$60,000.Ð ˆØ ÐÌà  àAppellees€assert€that€the€Uninsured€Motorist€Coverage€Option€Selection€Form€was€sufficientÐ `° Ðunder€Tennessee€Code€Annotated€section€56„7„1201(a)(2)€to€effect€a€reduction€inÐ Lœ Ðuninsured/underinsured€motorist€coverage€from€$300,000€to€$60,000.Ð 8ˆ  ÐÌà  àThe€case€was€decided€in€the€trial€court€on€cross„motions€for€summary€judgment€wherein€theÐ !`" Ðtrial€court,€without€elaboration,€overruled€the€motion€of€the€named€insureds€and€granted€the€motionÐ ü!L# Ðof€Travelers.Ð è"8$ ÐÌà  àAppellate€review€of€a€grant€of€summary€judgment€involves€only€a€question€of€law€and€noÐ À$ & Ðpresumption€of€correctness€attaches€to€the€decision€of€the€trial€court.€€òòRoberts€v.€Robertsóó,€845€S.W.2dÐ ¬%ü ' Ð225€(Tenn.€Ct.€App.€1992).€€The€party€seeking€summary€judgment€must€carry€the€burden€ofÐ ˜&è!( Ðpersuading€the€court€that€no€genuine€and€material€factual€issues€are€involved€and€that€the€movingÐ „'Ô") Ðparty€is€entitled€to€judgment€as€a€matter€of€law.€€òòByrd€v.€Hallóó,€847€S.W.2d€208€(Tenn.€1993).Ð p(À#* ÐÌà8  àà ` àUnder€Tenn.R.Civ.P.€56.03,€a€summary€judgment€is€appropriate€when€ð ðthereÐ H*˜%, Ðis€no€genuine€issue€as€to€any€material€fact€and€.€.€.€the€moving€party€is€entitled€to€aÐ 4+„&- Ðjudgment€as€a€matter€of€law.ðð€€Moving€parties€may€demonstrate€that€they€are€entitledÐ  ,p'. Ðto€a€judgment€as€a€matter€of€law€in€several€ways.€€First,€they€may€affirmatively€negateÐ ° Ðan€essential€element€of€the€nonmoving€partyððs€claim.€€Second,€they€may€conclusivelyÐ œì Ðestablish€an€affirmative€defense€that€defeats€the€nonmoving€partyððs€claim.€€Third,Ð ˆØ Ðthey€may€demonstrate€that€the€nonmoving€party€cannot€establish€an€essential€elementÐ tÄ Ðof€its€case.€€òòMoman€v.€Waldenóó,€719€S.W.2d€531,€533€(Tenn.App.1986).€€òòSeeóó€10A€C.Ð `° ÐWright,€A.€Miller€&€M.€Kane,€òòFederal€Practice€and€Procedureóó€ðð€2727,€at€130„31€(2dÐ L œ Ðed.€1983).Ð8 ˆÐ Ð  Ðà8  àà ` àIn€ruling€on€a€motion€for€summary€judgment,€both€appellate€and€trial€courtsÐ $ t Ðmust€review€the€matter€in€the€light€most€favorable€to€the€nonmoving€party€and€drawÐ  ` Ðall€legitimate€conclusions€of€fact€in€its€favor.€€òòSmith€v.€Sovran€Bank€Cent.€Southóó,€792Ð ü L  ÐS.W.2d€928€(Tenn.App.1990).€€If€the€pleadings,€stipulations,€depositions,€andÐ è 8  Ðaffidavits,€when€viewed€in€the€light€most€favorable€to€the€opponent€of€summaryÐ Ô$  Ðjudgment,€show€that€no€genuine€issue€of€material€fact€exists,€and€if€the€record€revealsÐ À  Ðno€error€of€law,€the€moving€party€is€then€entitled€to€summary€judgment.€€òòMaxwell€v.Ð ¬ü  ÐDavco€Corp.€of€Tennesseeóó,€776€S.W.2d€528,€531€(Tenn.App.1989).Иè Ð Ð  ÐÌòòCaledonia€Leasing€v.€Armstrong,€Allenóó,€865€S.W.2d€10,€13€(Tenn.€Ct.€App.€1992).Ð pÀ ÐÌà  àThe€circumstances€surrounding€the€execution€and€submission€to€Travelers€of€the€OctoberÐ H˜ Ð1996€application€for€insurance€and€particularly€the€ð ðUninsured€Motorist€Coverage€Option€SelectionÐ 4„ ÐFormðð€included€as€a€part€of€this€application€are€evidenced€by€affidavits€submitted€by€Ann€Barnes€ofÐ  p ÐMiller€&€Loughry€Insurance€Agency€under€date€of€October€1,€2001€and€by€named€insured€Paul€R.Ð  \ ÐPeak€under€dates€of€April€18,€2001€and€June€18,€2001.Ð øH ÐÌà  àThe€affidavit€of€Ann€Barnes,€after€asserting€her€employment€by€Miller€&€Loughry€InsuranceÐ Ð  ÐAgency€for€twelve€and€a€half€years€states:Ð ¼  ÐÌà8  àà ` à3.à ¸ àI€was€the€agent€for€Paul€R.€Peak€and€Virginia€M.€Peak€for€the€timeÐ ”ä Ðperiod€involved€in€this€litigation.€Ð€ÐÐ Ð  ÐÌà8  àà ` à4.à ¸ àThe€ð ðUninsured€Motorist€Coverage€Option€Selection€Formðð€reflectsÐ X ¨ Ð$60,000€in€uninsured€motorist€bodily€injury€and€property€damage€coverage€becauseÐ D!” Ðthose€were€the€limits€that€Mr.€Peak€requested.€€òòThe€selection€was€marked€and€theÐ 0"€  Ðamount€was€handwritten€in€by€me€at€Mr.€Peakððs€instructionsóó.€€The€form€was€thenÐ #l! Ðsigned,€dated€and€returned€to€me€by€Mr.€Peak.€€The€insurance€coverages€provided€toÐ $X" ÐMr.€Peak€conformed€with€his€selection€as€reflected€on€the€Uninsured€MotoristÐ ô$D # ÐCoverage€Option€Selection€Form€(Tennessee).€€òòMr.€Peak€specifically€declinedÐ à%0!$ Ðuninsured€motorist€coverage€equaling€his€liability€limits€and€specifically€instructedÐ Ì&"% Ðthat€the€uninsured€motorist€limits€equals€$60,000óó.€€Mr.€Peak€also€signed€anÐ ¸'#& Ðacceptance€of€a€quote€for€$300,000€liability€limits€and€$60,000€U.M.€limits.Ф(ô#'Ð Ð  Ð(emphasis€added)Ð )à$( Ðâ âÐ |*Ì%) Ðà  àThe€affidavits€of€Paul€R.€Peak€are€significant€for€what€they€do€not€say.€€At€no€point€does€heÐ ° Ðâ âdeny€the€assertion€by€Ann€Barnes€that€the€$60,000€limits€appearing€in€the€ð ðUninsured€MotoristÐ œì ÐCoverage€Option€Selection€Formðð€were€written€thereon€by€Ms.€Barnes€ð ðat€Mr.€Peakððs€instructions.ðð€Ð ˆØ ÐHe€further€acknowledges€that€he€signed,€dated€and€returned€the€form€to€Ann€Barnes€with€the€penned„Ð tÄ Ðin€$60,000€uninsured/underinsured€motorist€coverage€limit€reflected€thereon€at€the€time€he€signedÐ `° Ðthe€document.Ð L œ ÐÌà  àThe€affidavit€of€Mr.€Peak€of€April€18,€2001€states:Ð $ t ÐÌà8  à1.à0` Ð Ð àI€received€an€ð ðUninsured€Motorists€Coverage€Option€Selection€Formðð€fromÐ ü L  ÐDefendant€in€the€mail€on€or€about€October€10,€1996€in€the€mail.€€(exhibit€A)Ðè 8 ` Ð ` Ð  Ðà8  à2.à0` Ð Ð àThe€form,€in€bold€letters,€states:€€ð ðComplete€the€following€only€if€you€wantÐ Ô$  Ðto€reject€all€or€part€of€your€Uninsured€Motorists€Coverage.ððÐÀ ` Ð ` Ð  Ðà8  à3.à0` Ð Ð àBelow€the€bold€print€are€three€separate€choices€designated€as,€ð ðOption€I,ððÐ ¬ü  Ðð ðOption€IIðð€and€ð ðOption€III.ðð€€Beside€each€of€the€three€is€a€check€box€for€theÐ ˜è  Ðapplicant€to€mark€to€select€the€corresponding€option.Ð„Ô ` Ð ` Ð  Ðà8  à€€€a.à0` Ð Ð àð ðOption€Iðð€states,€ð ðI€reject€Uninsured€Motorist€Coverage€entirely.ððÐpÀ` Ð ` Ð  Ðà8  à€€€b.à0` Ð Ð àð ðOption€IIðð€states,€ð ðI€do€not€want€Uninsured€Motorists€Property€DamageÐ \¬ ÐCoverage.€€However,€I€do€want€Uninsured€Motorists€Bodily€Injury€CoverageÐ H˜ Ðat€the€following€limit.€€I€understand€that€that€the€limit€I€choose€must€be€equalÐ 4„ Ðto€or€less€than€the€Bodily€Injury€Liability€limit€of€my€policy.ðð€[sic]Ð p` Ð ` Ð  Ðà8  à€€€€c.à0` Ð Ð àð ðOption€IIIðð€states,€ð ðI€want€Uninsured€Motorists€Bodily€Injury€and€PropertyÐ  \ ÐDamage€Coverage.€€However€I€want€limits€lower€than€my€Bodily€Injury€andÐ øH ÐProperty€Damage€Liability€limits.ððÐä4` Ð ` Ð  Ðà8  à4.à0` Ð Ð àI€did€not€select€any€of€the€three€options.ÐÐ ` Ð ` Ð  Ðà8  à5.à0` Ð Ð àThe€form€states€at€the€bottom,€ð ðI€understand€and€agree€that€selection€of€oneÐ ¼  Ðof€the€above€options€applies€to€my€present€auto€insurance€policy€and€futureÐ ¨ø Ðrenewals€or€replacements€of€this€policy.€€If€I€decide€to€select€another€optionÐ ”ä Ðat€some€future€time,€I€must€let€the€Company€or€my€agent€know€in€writing.ðð€Ð €Ð ÐBelow€this€statement€are€two€lines,€one€marked€ð ðDateðð€and€the€other€markedÐ l¼ Ðð ðSignature€(Named€Insured).ÐX ¨` Ð ` Ð  Ðà8  à6.à0` Ð Ð àI€signed€and€dated€the€form€and€returned€the€form€to€the€Defendant.ÐD!”` Ð ` Ð  Ðà8  à7.à0` Ð Ð àI€did€not€select€any€of€the€three€options€or€make€any€other€markings€on€theÐ 0"€  Ðform.Ð#l!` Ð ` Ð  ÐÌà  àThe€affidavit€of€Paul€Peak€of€June€18,€2001€provides:Ð ô$D # ÐÌà8  à1.à0` Ð Ð àI€received€an€unsigned,€undated€ð ðUninsured€Motorists€Coverage€OptionÐ Ì&"% ÐSelection€Formðð€from€Defendant€in€the€mail€on€or€about€October€10,€1996Ð ¸'#& Ð(exhibit€A).Ф(ô#'` Ð ` Ð  Ðà8  à2.à0` Ð Ð àThe€form€had€blank€spaces€highlighted€for€the€date€and€my€signature€at€theÐ )à$( Ðbottom€of€the€page.Ð|*Ì%)` Ð ` Ð  Ðà  à3.à0 ` àI€did€not€strike€through€any€dollar€amounts€on€the€form.Ðh+¸&*` (#` (# Ðà  à4.à0 ` àI€did€not€write€in€ð ð$60,000"€or€any€other€amount€on€the€form.а` (#` (# ÐÌà  àConstruing€these€affidavits€in€the€light€most€favorable€to€Appellants€as€must€be€done€onÐ ˆØ Ðmotion€for€summary€judgment,€the€crucial€undisputed€fact€is€that€Mr.€Peak€requested€of€Ms.€BarnesÐ tÄ Ð$60,000€in€uninsured/underinsured€motorist€coverage€and€Ms.€Barnes€penned„in€the€$60,000€figureÐ `° Ðon€the€selection€form,€then€forwarded€the€form€to€Mr.€Peak€who€signed€it€on€October€10,€1996€andÐ L œ Ðreturned€it€to€Ms.€Barnes.Ð 8 ˆ ÐÌà  àThe€policy€of€insurance€was€then€issued€in€October€1996€selecting€$60,000Ð  ` Ðuninsured/underinsured€motorist€coverage€and€such€coverage€has€remained€the€same€and€AppellantsÐ ü L  Ðhave€enjoyed€the€reduced€premium€for€such€limited€coverage€through€and€including€the€time€of€theÐ è 8  ÐSeptember€27,€1999€accident.Ð Ô$  ÐÌà  àThe€entire€case€for€Appellants€hinges€on€a€finding€that€the€failure€to€mark€the€ð ðOption€IIIððÐ ¬ü  Ðblock€on€the€Uninsured€Motorist€Coverage€Option€Selection€Form€renders€it€ineffective€as€a€vehicleÐ ˜è  Ðfor€the€selection€of€the€lower€limits€of€uninsured/underinsured€motorist€coverage,€which€theÐ „Ô  Ðundisputed€evidence€shows€was,€in€fact,€requested€by€Mr.€Peak€on€October€10,€1996.Ð pÀ ÐÌà  àMaking€all€allowances€for€strict€construction€against€Travelers,€reasonable€minds€could€notÐ H˜ Ðaccept€the€premise€upon€which€the€case€for€Appellants€is€based.Ð 4„ ÐÌà  àThe€trial€court€correctly€granted€summary€judgment€to€Appellees€and€we€affirm€the€judgment.Ð  \ ÐÌà  àCosts€of€the€cause€are€assessed€against€Appellants€and€the€case€is€remanded€for€any€furtherÐ ä4 Ðproceedings€necessary.€€à0  àÐÐ (#(# ÐÌÌÌà  àà ` à€à ¸ à€Ð €Ð Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€€à0 ¸ à€€€€€€€€€€€€€€€€€€€€€€€€€€€Ðl¼¸ (#¸ (# ÐÌà  àà ` àà ¸ àà  àà h àà À àà  à___________________________________€Ð D!” Ðà  àà ` àà ¸ àà  àà h àà À àà  àWILLIAM€B.€CAIN,€JUDGE