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Justia Daily Opinion Summaries

US Court of Appeals for the Eighth Circuit
November 19, 2020

Table of Contents

Meridian Security Insurance Co. v. Schmitt-Selken

Insurance Law

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US Court of Appeals for the Eighth Circuit Opinions

Meridian Security Insurance Co. v. Schmitt-Selken

Docket: 19-2415

Opinion Date: November 18, 2020

Judge: Erickson

Areas of Law: Insurance Law

The Eighth Circuit affirmed the district court's grant of summary judgment in favor of Meridian in an action brought by Meridian seeking a declaration that it has no obligation to provide underinsured motorist (UIM) benefits to either Lois Schmitt-Selken or the Estate of Donald Selken for injuries or damages arising out of a motor vehicle accident occurring while Lois was a passenger in husband Donald Selken's car. The court held that, under the unambiguous policy language, the "owned-but-not-insured" exclusion in the Meridian policy bars Lois's claim for UIM benefits for the accident occurring while she was a passenger in her husband's vehicle. In this case, Lois's argument that the definition of "you" requires joint ownership of a vehicle before the exclusion applies is neither a reasonable interpretation of the policy language, nor consistent with the purpose of an "owned-but-not-insured" exclusion.

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