Case Name: Louis WYATT, Jr. v. Raymond ROBIN, Jr. et al.
Court: Louisiana Supreme Court
Jurisdiction: Louisiana
Decision Date: 1988-01-18
Citations: 518 So. 2d 494
Docket Number: No. 87-C-1420
Parties: Louis WYATT, Jr. v. Raymond ROBIN, Jr. et al.
Judges: LEMMON, J., concurs and assigns reasons.
Reporter: Southern Reporter, Second Series
Volume: 518
Pages: 494–497

Head Matter:
Louis WYATT, Jr. v. Raymond ROBIN, Jr. et al.
No. 87-C-1420.
Supreme Court of Louisiana.
Jan. 18, 1988.
Karl W. Bengtson, Shelton and Legendre, Lafayette, for applicant.
Michael W. Campbell, New Orleans, Caf-fery, Oubre & Dugas, New Iberia, Douglas Longman, Jr., Onebane, Donohoe, Bernard, Torian, Diaz, McNamara & Abell, Richard Meaux, Philip A. Fontenot, Davidson, Meaux, Sonnier & McElligott, Norman For-et, McBride, Foret, Rozas & Leonard, Thomas Hightower, Jr., Voorhies & Labbe, Lucius A. Hornsby, Jr., Lafayette, for respondent.

Opinion:
DIXON, Chief Justice.
The issue in this case is whether the owner and operator of a motor vehicle who is injured by an under-insured motorist may select from several available uninsured motorist policies the one under which he prefers to recover.
In December, 1981 Louis Wyatt, Jr. suffered severe injuries when the vehicle he owned and was operating collided with one driven by Raymond Robin, Jr. Wyatt sued Robin and Robin's insurer, Commercial In surance Company, seeking $462,800 in damages.
Wyatt later amended the petition to include as additional defendants American Specialty Insurance Company, Foremost Insurance Company, United States Fidelity and Guaranty Company (USF & G) and American Universal Insurance Company. At the time of the accident, American Specialty provided $5000 of uninsured motorist coverage to Wyatt pursuant to a policy in which he was the named insured and which specifically covered the vehicle he was driving at the time of the accident.
Foremost, USF & G and American Universal provided coverage to Wyatt's parents, Louis, Sr. and Virginia, as "named insureds" and covered certain automobiles owned by them. Because Wyatt resided with his parents at the time of the accident, he was an "omnibus insured" under each of these three policies. The Foremost policy provided liability and uninsured motorist coverage of $25,000. USF & G and American Universal provided liability coverage of $100,000 but purported to limit the uninsured motorist coverage to $5000 and $10,-000 respectively.
After the petition was amended, Commercial Union paid Wyatt the full amount of available coverage — $50,000. American Specialty then tendered to Wyatt its limit under the uninsured motorist provision— $5000. The district court dismissed Robin, Commercial Union and American Specialty from the action. Wyatt reserved all rights against the three remaining insurance companies.
Foremost, USF & G and American Universal then moved for summary judgment on the ground that that the anti-stacking provision of the Louisiana Uninsured Motorist Statute, R.S. 22:1406, bars any further recovery by Wyatt. The trial court granted the defendants' motion and dismissed Wyatt's suit. Wyatt appealed, asserting that he was seeking only to select among available policies, not attempting to stack. The court of appeal affirmed. Wyatt v. Robin, 509 So.2d 746 (La.App. 3d Cir.1987). We granted writs and now reverse.
R.S. 22:1406(D)(l)(c), commonly referred to as the anti-stacking provision, states in pertinent part:
"[if] the insured has any limits of uninsured motorist coverage in a policy of automobile liability insurance . such limits shall not be increased when the insured has insurance available to him under more than one uninsured motorist coverage provision or policy." (Emphasis added).
We have held that this provision limits the amount one can recover when several policies are available. Courville v. State Farm Mutual Automobile Insurance Co., 393 So.2d 703 (La.1981). However, the provision does not limit one's access to available coverage. Taylor v. Tanner, 442 So.2d 435, 438 (La.1983). In this case, Wyatt has available to him uninsured motorist coverage under four policies. Wyatt is entitled to select from those policies the one under which he would prefer to recover.
The fact that Wyatt has already accepted the $5000 limit from the American Specialty policy is irrelevant to his right of selection. As we stated in Taylor v. Tanner, supra at 438:
"... We do not believe that the Legislature, by enacting a statute which limits stacking, intended to prohibit a claimant from conditionally accepting the tendered limits of a known excess policy with undisputed coverage and then litigating to determine whether another policy affords coverage with greater limits. Such an interpretation would be directly contrary to the primary objective of the uninsured motorist scheme — to protect innocent victims of the negligence of financially irresponsible motorists by providing such victims with full recovery.
The opinion of the court of appeal is accordingly vacated. The motion for summary judgment is denied and the matter is remanded to the trial court for further proceedings consistent with this opinion. All costs of this proceeding are assessed to the defendants, Foremost Insurance Company, United States Fidelity and Guaranty Company and American Universal Insurance Company.
LEMMON, J., concurs and assigns reasons.
COLE, J., dissents for reasons assigned.
CALOGERO, J., by way of additional reasons, would expressly overrule Breaux v. La. Farm Bureau Mutual Ins. Co., 413 So.2d 988 (La.App. 1st Cir.1982).
. Because this amount did not fully compensate Wyatt for his damages, Robin is considered an "underinsured" motorist. The provisions of uninsured motorist coverage apply equally to the underinsured motorist situation. R.S. 22:1406(D)(l)(a).
. " 'Stacking' occurs when the insured is covered by more than one policy, and he recovers benefits from a second policy when the benefits from the first policy are insufficient to fully compensate him for his losses." No-Fault and Uninsured Motorist Automobile Insurance § 23.20[2], at p. 23-27 (1987).
. At the trial on the merits, the trial court may be called upon to decide the disposition of the S5000 already tendered to Wyatt. We need not address this issue in our review here of the summary judgment. See Taylor v. Tanner, supra at 439 fn. 7.