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Insurance : Stacking – Auto Liability – ‘Other Insurance’

Where the parents of a passenger killed in an auto accident obtained a judgment against the driver for $200,000 and sought to recover on the judgment under a policy insuring the driver’s vehicle, the “other insurance” clause in the policy did not allow stacking, and the declarations page of the policy plainly specified separate bodily injury liability limits for each separate vehicle so the limits could not be aggregated, so the judgment finding that the plaintiff was only entitled to $50,000 in bodily injury liability coverage and $2,000 in medical payments is affirmed.

Judgment is affirmed.

Chandler v. Allied Property & Casualty Insurance Company (MLW No. 66584/Case No. WD76365 – 10 pages) (Missouri Court of Appeals, Western District, Ahuja, J.) Appealed from circuit court, Platte County, Hull Jr., J.  (Bernard T. Schmitt, Kristen A. Cooke and Michael S. Shipley for appellant) (Kevin E. Myers for appellee).

Read the full text of this opinion. (PDF)