Calbow v. Midwest Security Insurance

Albert Calbow appeals from a summary judgment enforcing the reducing clause in Midwest Security Insurance Company's uninsured motorist policy in favor of Midwest Security. Even though we agree that the purpose of the uninsured motorist coverage is to place the insured in the same position as if the uninsured motorist had been insured, we conclude that an insured who has been fully compensated for injuries from other sources is not entitled to an additional recovery — a windfall — under his or her uninsured motorist benefits. We therefore affirm.

In November 1991, Calbow was injured when…