Automobile insurance policies can help compensate you if you are injured in a car accident. However, it is essential to be aware of potential policy exclusions that limit what you are entitled to recover. This is especially true with uninsured/underinsured motorist (“UM”) insurance because an insurer is allowed to have exclusions, such as the exclusion of vehicles covered by the insurance policy.
Easter McGee was riding in a car her nephew was driving. A wheel flew off, causing her nephew to crash the car into a tree, injuring McGee. Her nephew had liability and UM insurance through Allstate. Allstate paid McGee the liability policy limits. McGee released claims against her nephew but reserved her rights to pursue coverage under his UM policy.
McGee subsequently filed a lawsuit against Allstate, claiming she was entitled to recover under the UM coverage because her damages exceeded the policy’s liability coverage limits. Allstate filed a summary judgment motion, claiming McGee was not entitled to recover under the UM provisions because she had been injured in a one-car accident where the driver was at fault, and his liability insurance covered McGee. Further, the UM coverage excluded vehicles with liability coverage under the insurance policy. The trial court granted Allstate’s summary judgment motion. McGee appealed.