Rylee v. Progressive Gulf Insurance Co.
Annotate this CaseBeth Rylee’s husband, Richard Rylee, was injured in a motorcycle accident. After the Rylees received the full "each person" policy limit for damages resulting from Richard’s bodily injury, the Rylees sued their two insurers. They claimed Beth was entitled to her own each-person policy limit for her "separate and distinct" loss-of-consortium claim. But both the language of the relevant policies and the Mississippi Supreme Court’s precedent were clear: if there was only one person who suffered bodily injury in an accident, then all claims based on that person’s bodily injury are included in the each-person policy limit. Only Richard was injured in the accident, so Beth's loss-of-consortium claim fell under the each-person policy limit for damages arising from Richard’s bodily injury, which the two defendant insurance companies already satisfied. The Supreme Court therefore affirmed the circuit court’s grant of summary judgment to the two insurers.
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