TERRY BLANKENSHIP, Plaintff-Appellant v. OLD MISSOURI MUTUAL INSURANCE COMPANY, f/k/a NIXA FARMERS MUTUAL INSURANCE COMPANY, Defendant-Respondent.

This is a case concerning the standing of a non-policy holder to bring suit directly against an insurance company. Old Missouri Mutual Insurance Company (“Respondent”) issued a policy of insurance (“policy”) to Ronald and Sharlene Blankenship with various coverages. In a section titled “Farm Personal Liability Coverage,” the policy provided coverage for liability (“Coverage L”) and for “necessary medical expenses,” or med pay (“Coverage M”). Under Coverage L, Respondent promised to “pay, up to our limit, all sums for which an insured is liable by law because of bodily injury or property…