Erie Indemnity Co. v. Estate of Brian L. HarrisAnnotate this Case
At issue was whether the term “others we protect” under a decedent’s employer’s commercial auto policy included the decedent.
The decedent was killed by an uninsured driver while the decedent was mowing his home’s lawn near the roadside. The decedent’s estate sought uninsured motorist benefits, arguing that the decedent qualified for coverage under the employer’s commercial auto policy’s term “others we protect.” The insurance company denied the claim. The Supreme Court agreed with the insurance policy, holding (1) the term “others we protect” is unambiguous and impervious to judicial construction; and (2) accordingly, as a matter of law, the decedent did not qualify as “others we protect” under the policy when he was struck and killed by the uninsured motorist.