Smith v. Nationwide Mutual Insurance

BECTON, Judge.

This appeal presents the question whether the underinsured motorist (“UIM”) coverages provided in two separate automobile insurance policies issued to the plaintiff-insured may be aggregated or “stacked” to compensate him for the death of his daughter who was killed while driving a vehicle owned by the insured and the daughter, given that the daughter and the vehicle were directly insured under only one of the policies. To answer this question, we must decide whether the so-called “family-member vehicle” or “household-owned vehicle” exclusion in one of the policies precludes UIM…