Swadley v. Shelter Mutual Insurance Co.

Shelter Mutual Insurance Company appeals the circuit court’s judgment awarding the Swadley family $100,000 pursuant to underinsured motorist (“UIM”) coverage in the Swadleys’ insurance policy. Because the policy at issue unambiguously precludes UIM coverage from applying to the Swadleys’ claim, the circuit court’s judgment is reversed and the case is remanded.

Factual and Procedural History

Shelter issued the Swadleys a policy with UIM coverage.1 The policy’s declarations page lists “$100,000 Per Person” as the UIM “limit.” The definitions section of the policy then defines “underinsured motor…