Lager v. Miller-Gonzalez

{¶ 1} In this wrongful-death case, we address language in an insurance policy offered by appellant, Nationwide Mutual Fire Insurance Company, that provides uninsured- and underinsured-motorist coverage (“UM”) to insureds “because of bodily injury suffered” but that also contains an other-owned-auto exclusion that denies coverage “for bodily injury or derivative claims.”

{¶ 2} The trial court and court of appeals concluded that the language in the exclusion was ambiguous and accordingly construed the policy in favor of coverage of appellee, Fred L. Lager as administrator of the estate of his…