Winter v. State Farm Mut. Auto. Ins. Co.Annotate this Case
Plaintiff injured his left knee when he stepped into his truck. Plaintiff was insured by an automobile insurance policy issued by State Farm that provided automobile medical payments (med pay) coverage. Plaintiff’s health insurer paid nearly all of Plaintiff’s medical bills, but Plaintiff sought from State Farm benefits pursuant to his med pay coverage. State Farm paid the $25.02 that was unpaid at that time and refused to pay further benefits. Plaintiff sued State Farm, alleging breach of the insurance contract for State Farm’s failure to pay the entirety of his medical expenses. The district court granted summary judgment for State Farm, concluding that State Farm was not required to pay Plaintiff’s medical expenses pursuant to his med pay coverage that were previously paid by Plaintiff’s health insurer. The Supreme Court reversed, holding that, based on the plain language of the policy, there was no limitation preventing Plaintiff from receiving a duplicate payment for medical expenses under separately purchased, uncoordinated insurance policies.