Automobile insurance policies contain a provision known as Uninsured Motorist (“UM”) coverage, which provides coverage when an uninsured driver causes an accident. Many automobile insurance policies also contain a “drive other car” exclusion, which prohibits coverage if an insured is driving a vehicle not named in the insured’s policy.
Recently, the Court of Appeals of Wisconsin considered whether a “drive other car” exclusion prohibits the combining of UM coverage under multiple policies. In 2009, a couple purchased separate automobile insurance policies for each of their two vehicles. In 2010, the husband was driving one of the vehicles when he was injured by an uninsured motorist. He sought UM coverage under both his insurance policies. State Farm, the insurer, argued that the “drive other car” exclusion prohibited coverage under the policy issued for the car he was not driving at the time of the accident. The court of appeals disagreed, holding that an insurer cannot use the “drive other car” exclusion to deny UM coverage. Read the entire court of appeals opinoin.
The Milwaukee automobile accident lawyers of Samster, Konkel & Safran, S.C. congratulate the court of appeals for siding with Wisconsin citizens against the insurance companies. We have extensive experience battling with insurance companies, and our Milwaukee car accident lawyers do our best to ensure our clients receive the maximum amount of insurance coverage available.
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