Missouri Court of Appeals, Eastern District / May 25, 2021
James Purk, Plaintiff, and Loretta Purk, Respondent, v. Farmers Insurance Company, Inc., Appellant, and Christopher Wilson, Defendant.
Loretta Purk sued Farmers Insurance Company, Inc. for uninsured motorist (UM) coverage after she and her husband were injured in an auto accident with an uninsured driver. The trial court granted partial summary judgment for Mrs. Purk, finding she was entitled to $300,000 in UM coverage under three Farmers policies. The appellate court reversed, holding that the policies were not ambiguous and that an owned-vehicle exclusion limited stacked UM coverage to $150,000, comprising $100,000 from the policy covering the accident vehicle and $25,000 from each of the other two policies, consistent with Missouri's Financial Responsibility Law.