Vigil v. California Casualty Insurance

OPINION

MONTGOMERY, Justice.

The issue in this case is whether the individual medical payments coverages for two or more automobiles under one or more insurance policies may be “stacked.” The issue is not quite one of first impression, because we recently held in Sanchez v. Herrera, 109 N.M. 155, 783 P.2d 465 (1989), that the medical payments provisions under the separate policies in that case could not be stacked, based on an unambiguous exclusionary clause in each policy. In the present case — in which the policies lack an exclusionary clause — we reach the opposite result, based on the…