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(314) 500-HURTWe have a client who suffered significant injuries in a car wreck while driving his
mother’s vehicle. The other driver had minimum insurance and his mother had $50,000.00 in underinsured coverage. Our
client had $500,000.00 in underinsured motorist coverage on his auto policy. Here’s some links to blogs and videos
on underinsured
coverage.
BUT – there was an exclusion in our client’s underinsured motorist policy which excluded
coverage if there was similar coverage on his mom’s policy. We argued in the
Eastern District Court of Missouri that the $450,000.00 difference in coverage demonstrated that the policies were
not similar and the policy was vague under Missouri law.
The Court looked at the only Missouri case on point Naeger v. Farmers Insurance Company and
found that in such exclusions “similar insurance” means any applicable underinsurance coverage. So our client is
stuck with the lower limit.
We fought hard for our client. In Missouri if you are driving another vehicle
with underinsured motorist coverage, your underinsured motorist coverage will most likely not apply, no matter how
high your coverage and premiums are.
This is important to remember because this was not pointed out to our client when he
bought this expensive coverage from Farmers.
Founder | Injury Attorney
Gary Burger has dedicated his career to standing up against bullies. The founder and principal attorney of Burger Law | St. Louis Personal Injury Lawyer has helped hundreds of Missouri and Illinois individuals and families recover th …
Years of experience: 30 years
Location: St. Louis, MO
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