Missouri Court of Appeals, Southern District / Nov 14, 2019
MATTHEW R. MCBRIDE, Plaintiff-Respondent vs. FARM BUREAU TOWN & COUNTRY INSURANCE COMPANY OF MISSOURI, Defendant-Appellant
Matthew R. McBride sought a declaratory judgment that he was an insured under his father's uninsured motorist (UM) coverage from Farm Bureau Town & Country Insurance Company of Missouri, and that the coverages could be stacked. The trial court granted summary judgment in favor of McBride, finding the policy's use of the word "owns" ambiguous. The appellate court reversed, holding that the term "owns" in the UM exclusion was not ambiguous and that McBride, as a co-owner of another vehicle, was excluded from coverage under his father's policy.