Woods v. Nationwide Mutual Insurance

SHARP, Chief Justice.

Condition 4 of both the Spencer and Woods policies provides that the medical provisions of Part III “apply separately” to each automobile insured therein. Relying upon this provision plaintiff contends that as to each policy she is entitled to treat the applicable limit on medical payments liability as applying to each car for which separate premiums have been paid, and to compute the amount recoverable by multiplying the respective liability limitation by the number of “owned automobiles.” Thus, she argues, she is entitled to payments of $1,000 for each of the three cars…