Missouri Court of Appeals, Western District / Aug 24, 2021
Courtney Jones vs. American Family Mutual Insurance Company, S.I.
Courtney Jones was injured in an auto accident with an uninsured motorist and sought additional uninsured motorist (UM) benefits under two American Family policies covering vehicles she was not driving. The trial court granted summary judgment for Jones, finding the owned-vehicle exclusion ambiguous and unenforceable. The appellate court reversed, holding that the owned-vehicle exclusion, when read with the minimum-financial-responsibility clause, unambiguously limited UM coverage for non-involved vehicles to the statutory minimum.