Cammel v. State Farm Mutual Automobile Insurance

This case considers the amount of uninsured motorist coverage available to a husband and wife insured on three separate automobile insurance liability policies issued to them on three separate vehicles by one insurer. The question presented is the meaning and the validity of the pro rata clause of the “Other Insurance” exclusion, which applies to the uninsured motorist coverage contained in each policy.

The facts are these. During their lifetimes the insureds, husband and wife, purchased three separate policies, each on a different automobile owned by them, each providing uninsured motorist…