Doerner v. State Farm Mutual Automobile Insurance Co.

WAHL, Justice.

This declaratory judgment action raises the question of whether occupants of an insured motor vehicle involved in an accident, who have uninsured motorist coverage solely because of their status as passengers, may stack the uninsured coverage under a separate policy of insurance purchased by the owner of the involved vehicle for a noninvolved vehicle when they do not qualify as insureds under the second policy. The trial court answered the question in the negative and granted the motion of defendant State Farm Insurance Company (State Farm) for summary judgment. We affirm.

Plainti…