AMCO INSURANCE COMPANY Missouri Cases

Courtney Garner sued AMCO Insurance Company for underinsured motorist (UIM) benefits after her son was killed in an accident with a Silverado. The Silverado's owner had a $500,000 liability policy, while Garner's AMCO policy had a UIM bodily injury limit of $50,000 per person. The trial court granted summary judgment for Garner, finding her entitled to UIM coverage. The appellate court reversed and remanded with instructions to enter summary judgment for AMCO, holding that the Silverado was not an "underinsured motor vehicle" under the unambiguous terms of the AMCO policy because its liability limit was not less than AMCO's UIM limit.