Calvin P. Land, Jr. v. United States Fidelity and Guaranty Company

E. GRADY JOLLY, Circuit Judge:

In this appeal, we trespass on the ever-shifting sands of Mississippi’s uninsured motorist law — in particular as it pertains to the aggregation or “stacking” of multiple policies. 1 We hold, in accordance with our understanding of the most recent Mississippi law in this area, that an insurer contractually may prohibit stacking of uninsured motorist coverage(s) in a multivehicle policy, if, first, the anti-stacking provision is clear, and, second, if only a single premium is charged for that policy.

I

This case arises from an automobile accident in which Calvin P.…