Missouri Court of Appeals, Southern District / Oct 28, 2020
JOYCE COPLING, Appellant vs. AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I., Respondent
Joyce Copling appealed the denial of her claims for additional uninsured motorist (UM) coverage benefits from American Family Mutual Insurance Company. The dispute arose from a motor vehicle collision where Copling sought UM benefits under multiple policies, arguing that certain exclusionary provisions were ambiguous and should be construed to provide broader coverage. The trial court granted summary judgment for American Family, finding no ambiguity. The appellate court affirmed, holding that the policy language was plain and unambiguous, thus limiting UM coverage to the amounts already paid.