Laboy v. Grange Indemn. Ins. Co. (Slip Opinion)

{¶ 1} The issue in this case is whether language in an automobile insurance policy providing that the insurer will pay “any negotiated reduced rate accepted by a medical provider” includes the reduced rates negotiated by the insured’s third-party health-insurance provider. We hold that it does not.

Case Background

{¶ 2} Appellant, Grange Mutual Casualty Company, issued an automobile policy to appellee Philip Laboy as the named insured. As part of Laboy’s policy, Grange provided up to $5,000 in medical care for each person injured in any one accident. Appellees Heidi Laboy, Alexandrea Laboy, and…