Wadzinski v. Auto-Owners Insurance

¶ 41. {dissenting). The issue in this case is whether the umbrella insurance policy provides uninsured motorist (UM) coverage. The parties' arguments center on the meaning of an endorsement, which provides in full:

Exclusion of Personal Injury to Insureds Following Form

We do not cover personal injury to you or a relative. We will cover such injury to the extent that insurance is provided by an underlying policy listed in Schedule A.

¶ 42. Both parties agree that the first sentence, standing alone, would operate to exclude UM coverage.1 However, the first sentence does not stand alone, and *338the…