AMCO Insurance v. Williams

After Kelly D. Williams died when her car was hit by Dylan A. Meyer's vehicle, her parents submitted a claim for underinsured motorist (UIM) coverage. AMCO filed suit seeking a declaration of no coverage under Kelly's auto policy, and the district court granted summary judgment for AMCO. Under Missouri law, the court applied the general rules of contract construction when interpreting the policy. In this case, the court concluded that, because the bodily-injury liability for Meyer's vehicle was greater than the policy's UIM liability limit, Meyer's vehicle was not an "underinsured motor vehicle." The court rejected plaintiffs' claims that the policy was ambiguous and concluded that the district court did not err in finding the policy was neither ambiguous nor misleading. Accordingly, the court affirmed the judgment. View "AMCO Insurance v. Williams" on Justia Law