Opinion ID: 1957318
Heading Depth: 3
Heading Rank: 1

Heading: Meyers' Policy & May & Co.'s Automobile Insurance Policy

Text: ¶ 22. First, Meyers is clearly covered by any personal automobile policies under which he is a Class I insured. Second, May and Co.'s automobile insurance policy explicitly provides coverage for Meyers' vehicle on its designation page and also makes clear that coverage of Meyers' vehicle is part of the consideration for which May and Co. paid its insurance premium. Accordingly, we hold the policy does cover Meyers' vehicle.
¶ 23. Meyers argues that as an employee driving a covered vehicle, he is a Class I insured under the two May and Co. policies in question. We resolved this issue in Harris when we held that an employee who was driving a vehicle covered under his employer's business automobile policy was not a Class I insured since the employee was not named on the policy. 573 So.2d at 656 (citing Miss.Code Ann. § 83-11-103(b) (Supp.1990)). See also Glennon, 812 So.2d at 933 (holding that employees who are not named in the policy are Class II insureds under the statute). ¶ 24. A rejection of uninsured motorist coverage must be done expressly in writing. Miss.Code Ann. § 83-11-101 (Rev.2002). May and Co.'s business automobile policy made no provision for or against uninsured motorist coverage. Therefore, we read into the contract the statutory minimum of $10,000.00 per person and $20,000.00 per accident. Harris, 573 So.2d at 656-57. Even so, under Mascarella, only the uninsured motorist coverage of the accident vehicle applies to Meyers. Therefore, Meyers is only entitled to $10,000.00 of uninsured motorist coverage under the May and Co. business automobile liability policy. He is allowed to stack this coverage with any personal uninsured motorist coverage he may have; however, there is no evidence in the record of any personal coverage, leaving him with $10,000.00 of uninsured motorist coverage.