Graham v. State Farm Mutual Automobile Insurance Co.

LAWRENCE E. MOONEY, Judge.

The defendant, State Farm Mutual Automobile Insurance Company, appeals the grant of summary judgment and award of $100,000 entered by the Circuit Court of St. Louis County in favor of the plaintiff, Francis Graham. We hold that the State Farm policy language in this case is clear and unambiguous, providing underinsured motorist coverage only to the extent that the State Farm policy limits exceed those of any primary underinsured motorist coverage. Thus, because the primary under-insured motorist coverage exceeded the State Farm policy limits, the trial court erred in…