Saccucci v. State Farm Mutual Automobile Insurance

The issue in this case is whether the policy language relied upon by State Farm is a valid and enforceable limitation which prohibits Saccucci from stacking the uninsured motorist coverages under the three policies.

The relevant contract language is set forth in the uninsured motor vehicle and underinsured motor vehicle coverage section of the policies:

“If There Is Other Uninsured Motor Vehicle Coverage

a* * *

“3. If the insured is injured while occupying a vehicle not owned by you, your spouse or any relative, this coverage applies:

“a. as excess to any uninsured motor vehicle coverage which…