Owners Ins. Co. v. Hughes, No. 12-2198 (8th Cir. 2013)
Annotate this CaseBetty Lu Hughes appealed the district court's grant of summary judgment declaring Owners was not obligated to cover her claim for damages caused by an underinsured motorist. The court concluded that the Owners policy's underinsured motorist coverage did not cover Hughes's claims because the underinsured motorist's liability insurance bodily limit was not "less than" $100,000 as required by the policy's unambiguous definition of "underinsured automobile." The court need not reach the alternative argument that, even if the underinsured motorist's vehicle was "underinsured," the Owners policy set-off provision reduced the amount available under the Owners policy to zero. Accordingly, the court affirmed the judgment.
Court Description: Civil case - Insurance. The Owners policy's underinsured motorist coverage does not cover Hughes' claims because the underinsured person's insurance bodily injury limit was not less than $100,000 as required by the policy's unambiguous definition of underinsured automobile.
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