Matt Smith Jan. 8, 2014, 6:54am

A woman is suing her insurance company after it denied her coverage under an underinsured motorist policy following a vehicle collision that injured her and killed her daughter.

Apryl Sherrod filed a lawsuit Dec. 12 in St. Clair County Circuit Court against Esurance Insurance Services Inc.

According to the complaint, Sherrod was in a collision April 15, 2011. Her daughter, Amari Clark, was a passenger in the vehicle and died as a result of the accident, according to the suit. The claims for personal injury and wrongful death against the other driver were settled for $200,000 - $100,000 each for Sherrod and Clark.

The complaint states that damages for Sherrod and Clark exceeded $150,000 each and that Sherrod had an underinsured motorist policy of $50,000 per person with the defendant. The defendant informed Sherrod that she was not entitled to any additional benefits under her underinsured motorist policy, according to the suit. The complaint claims that the policy is ambiguous, and Sherrod is seeking a declaration that coverage exists for her and Clark.

Sherrod is seeking damages in excess of $50,000. She is being represented in the case by Jeremy A. Gogel, of the Gogel Law Firm.

St. Clair County Circuit Court Case No. 13-L-616.

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