Section 6.20 Injury While Occupying Owned Automobile Other Than Insured Automobile

• Library: Insurance Practice 2015

An exclusion of coverage to a named insured while occupying another owned automobile has been invalidated as contrary to public policy as expressed in § 379.203, RSMo 2000. Shepherd v. Am. States Ins. Co., 671 S.W.2d 777 (Mo. banc 1984).

An insured’s son was excluded from UM coverage on the mother’s automobile while the son was operating a motorcycle owned by the son. The mother’s policy specifically excluded coverage of her son while he was “operating” any automobile to which the policy applied. The court...