THIS OPINION HAS NO PRECEDENTIAL VALUE.  IT SHOULD NOT BE CITED OR RELIED ON AS PRECEDENT IN ANY PROCEEDING EXCEPT AS PROVIDED BY RULE 239(d)(2), SCACR.

THE STATE OF SOUTH CAROLINA
In The Court of Appeals

Amy Carol Quick and Betty Quick, Appellants

v.

Markel Insurance Company and the Chesterfield County School District, Respondents.

Appeal From Chesterfield County
 James E. Lockemy, Circuit Court Judge

Unpublished Opinion No. 2008-UP-545
Heard November 6, 2007 – Filed October 3, 2008   

AFFIRMED

Martin S. Driggers, Sr., of Hartsville; William O. Sweeny, III, and William R. Calhoun, both of Columbia, for Appellants.

Kenneth L. Childs, Allen D. Smith, and Allison Aiken Hanna of Columbia; Michael A. Nunn and Benjamin A. Baroody, both of Florence; for Respondents.

PER CURIAM:  Betty and Amy Quick[1] appeal the trial judge’s grant of summary judgment to Markel Insurance Company (Markel) and the Chesterfield County School District (District).  We affirm.

FACTS

Markel issued to the District a blanket accident and health insurance policy.  Under this policy, students could obtain insurance coverage.  One insurance plan provided coverage for a student during school hours during the school year while another plan covered a student 24 hours a day for an entire year.  The District collected and transmitted the students’ insurance payments to Markel.  At the beginning of the 2000-2001 school year, Ms. Quick purchased the 24-hour insurance for Amy for a one-time premium of $39 while paying for other fees and expenses during the pre-registration process at Cheraw High School, a school located within the District. 

Markel provided the school with brochures that explained the 24-hour policy’s terms and exclusions.  According to Markel and the District, these brochures were made available to people purchasing insurance during the pre-registration process and were given to students during homeroom to take home with them.  The Quicks claim they never received any information on the policy from Markel and were not provided a brochure explaining the coverage.  Ms. Quick did not ask any questions about the 24-hour insurance policy.  At the time she purchased insurance for her daughter, Ms. Quick only knew the Markel policy would cover Amy during the 2000-2001 school year, the policy provided “24-hour” coverage, and the policy was “comprehensive.”[2] 

On November 23, 2000, Amy was in an automobile accident while riding as a passenger in a vehicle driven by her boyfriend.  She suffered significant injuries, including the loss of one eye and a broken femur.  Amy incurred medical bills from the accident amounting to approximately $55,000.  The 24-hour policy provided compensation of $2,500 for medical bills incurred as a result of