Milinkovich v. Progressive Cas. Ins. Co.
Annotate this CaseAn Arizona couple was injured on their motorcycle by another biker. The accident occurred in South Dakota. Because the other motorcyclist left the scene, the couple sought uninsured motorist benefits from their insurer. The couple's policy was issued in Arizona for a motorcycle registered and principally garaged in Arizona. The insurer tendered the policy's full uninsured motorist benefits of $15,000 per person. However, the couple would have recovered $25,000 per person in South Dakota had they been able to obtain the other biker's liability insurance. The circuit court declared that the terms of the Arizona insurance policy, rather than South Dakota law, governed the applicable coverage. The Supreme Court affirmed, holding that altering the terms of the parties' contracts in these circumstances was not supported by law.
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