Missouri Court of Appeals, Southern District / Nov 24, 2020
TROY ALLEN RIETH and ALICIA RIETH, Plaintiffs-Appellants v. THE STANDARD FIRE INSURANCE COMPANY, Defendant-Respondent, and STEFAN MICHAEL DALY, Defendant
Troy Allen Rieth was injured when an uninsured tortfeasor stole his truck, and he sought additional uninsured motorist (UM) coverage from The Standard Fire Insurance Company. The trial court ruled in favor of Standard Fire, applying an "owned-vehicle exclusion" because Rieth held title to the vehicle. The appellate court affirmed, holding that the term "own" in the insurance policy's exclusion was not ambiguous, and Rieth's legal title established his ownership, making the exclusion applicable to limit his UM coverage.