Opinion ID: 1756154
Heading Depth: 1
Heading Rank: 3

Heading: Is the Limits of Liability provision in State Farm's policy ambiguous and therefore unenforceable?

Text: The opinions in Sturdy v. Allied Mutual Insurance Co., supra , and Employers Liability Assurance Corp., Ltd. v. Jackson, supra , wherein a similar clause was held to be ambiguous, reveal that there is considerable difference between the language of the clauses involved in those cases and the one involved in the case now before this Court. In our opinion, Paragraph 13 limiting the liability to the amount specified by the financial responsibility law of the state is as clear as language can make it. As stated in Morrison Assurance Co. v. Polak, supra , if greater coverage is afforded in the face of this language, it would require a judicial redraft of the insurance contract. We hold that the limitation clause involved in this case is clear and unambiguous.