An insurance policy excluding coverage for guest passengers who have UM/UIM coverage under their own policies of insurance is a permissible limitation on who qualifies as an "insured."

Guest passengers who have their own policies of UM/UIM coverage do not qualify as insureds under UM/UIM coverage of the policy covering the vehicle in which they are passengers. Definitional clauses excluding guest passengers with their own UM/UIM coverage are permissible limitations on who qualifies as an "insured" under policies in the first instance.

Case Law Alert - 2nd Qtr 2011