McClure v. Northland Insurance Companies

HARRIS, Justice.

The question here is whether an injured driver’s recovery under his two automobile insurance policies is reduced because of workers’ compensation benefits he received for the same injury. On the basis of exclusions and limitations in the policies, the trial court answered the question in the affirmative. The court of appeals disagreed and so do we.

Plaintiff McClure suffered severe injuries in an automobile accident. He was driving his employer’s vehicle at the time and was acting in the course of his employment. The tortfeasor’s insurer paid McClure $100,000 and McClure also…