Attorney obtained summary judgment in favor of an iInsurance company in a decision denying underinsured motorist coverage to a plaintiff who was injured while a passenger in a classic vehicle being driven by her sister, and owned by her mother

Attorney obtained summary judgment in favor of an iInsurance company in a decision denying underinsured motorist coverage to a plaintiff who was injured while a passenger in a classic vehicle being driven by her sister, and owned by her mother. The decision saved the clients its policy limits and costs of defense. The UIM limit on the vehicle was lower than the UIM limit on the policy which insured all of the other vehicles owned and registered to the resident family members. The court held that it is incumbent upon the parents (or adults residing in the home) to ensure that UIM limits were the same for every vehicle registered to a resident family member. UIM coverage is not compulsory in the state and the courts will enforce plain and unambiguous exclusions.