Insurance: Automobile Policy-Uninsured Motorist-Owned-Vehicle Exclusion

Where plaintiff, who was injured in an auto accident with an uninsured motorist, challenged the trial court’s grant of summary judgment in favor of an insurer and upholding an owned-vehicle uninsured motorist exclusion clause in two auto policies covering vehicles not involved in the accident, the owned-vehicle exclusion applied, and the exclusions in the two relevant policies were clear and unambiguous under Floyd-Tunnell v. Shelter Mutual Insurance Company, so the judgment is affirmed because the plaintiff could not show that reducing the uninsured motorist coverage by the owned-vehicle exclusion violated public policy.

Judgment is affirmed.

Johnson v. State Farm Mutual Automobile Insurance Company (MLW No. 75020/Case No. SD36368 – 11 pages) (Missouri Court of Appeals, Southern District, Sheffield, J.) Appealed from circuit court, Greene County, Cordonnier, J. (Daniel Patrick Molloy, Springfield, for appellant) (Monte Paul Clithero and Nathan Robert Taylor, Springfield, for respondent).