Missouri Appellate Court Reaffirmed Owned-Vehicle Exclusions in Uninsured Motorist Coverage

In a recent ruling, the Missouri Court of Appeals reaffirmed the enforceability of owned-vehicle exclusions in uninsured motorist (UM) coverage, clarifying that these exclusions apply to coverage limits exceeding the state’s $25,000 minimum. This decision arose from a case involving Courtney Jones, who sought additional UM coverage after a collision with an uninsured driver. The court emphasized that while minimum coverage is guaranteed, exclusions can limit additional claims. This ruling highlights the importance of understanding policy details beyond the Declarations page, ensuring insureds are aware of their coverage scope. Read on to discover the implications of this significant decision!