Missouri Court of Appeals, Southern District / Jul 28, 2020
GEORGE ARNOLD and KRISTINA ARNOLD, Plaintiffs-Respondents v. FARM BUREAU TOWN & COUNTRY INSURANCE COMPANY OF MISSOURI, Defendant-Appellant
George and Kristina Arnold had an automobile insurance policy with Farm Bureau Town & Country Insurance Company of Missouri that included underinsured motorist (UIM) coverage. After George was injured in a collision and received workers' compensation benefits, Farm Bureau declined to pay UIM benefits due to a workers' compensation offset provision in the policy. The trial court granted summary judgment for the Arnolds, finding the offset ambiguous. The appellate court reversed, concluding that the workers' compensation offset provision unambiguously reduced the UIM coverage to zero, and remanded with directions to grant Farm Bureau's motion for summary judgment.