Insurance: Multi-Vehicle Policy-Stacking of Coverage

Defendant appealed from the trial court’s judgment, which declared defendant’s insurance policy’s language ambiguous and ruled that the liability coverage on the four vehicles covered under the policy could be “stacked.”

Where the policy expressly stated that the most the defendant would pay for all damages from any one “accident” would be the limit of insurance for covered auto liability, there was no ambiguity that the policy prohibited stacking of coverage.

Judgment is reversed and remanded.

Kerperin v. Columbia Mutual Insurance Company (MLW No. 74697/Case No. SD36236 – 14 pages) (Missouri Court of Appeals, Southern District, Burrell, J.) Appealed from circuit court, Dunklin County, Mitchell, J. (Monte Paul Clithero, Springfield, for appellant) (Elisha Deen Sanders, Carbondale, IL, for respondent)