Opinion ID: 1765283
Heading Depth: 2
Heading Rank: 1

Heading: The key language

Text: ¶ 12 The language on which this case turns is found in the policy's declarations page and in the endorsement for UIM coverage. On the declarations page, Item One lists Dennis Lisowski as the named insured. Item Two, the Schedule of Coverages and Covered Autos, says, Each of these coverages will apply only to those `autos' shown as covered `autos'. `Autos' are shown as covered `autos' for a particular coverage by the entry of one or more of the symbols from the covered auto section of the business auto coverage form next to the name of the coverage. [4] The symbol from the business auto coverage form that appears next to the UIM coverage on the list of coverages under Item Two is 07. The business auto coverage form indicates that where 07 is used, any auto means Specifically Described `Autos'. That is further described as [o]nly those `autos' described in Item Three of the Declarations for which a premium charge is shown.... In Item Three, the Schedule of Covered Autos You Own lists one vehicle: the 1985 Mack semi tractor. The premium for underinsured motorist coverage for that vehicle is $30. ¶ 13 Turning to the endorsement page, one finds the words, For a covered `auto' licensed or principally garaged ... in[] Wisconsin, this endorsement modifies insurance provided under the following: Business Auto Coverage Form. On the same page, in section A.1., the policy reads, We will pay all sums the `insured' is legally entitled to recover as compensatory damages from the owner or driver of the `underinsured motor vehicle.' In section B.1., the endorsement states that where the named insured is an individual, which is the case here, insureds are [1]a. The Named Insured and any `family members' and [1]b. Anyone else `occupying' a covered `auto'.... ¶ 14 There is no dispute that Jonathan Lisowski, as a family member, is an insured under his father's business auto policy and under the UIM endorsement. The Declarations page designates Dennis Lisowski as an individual, and the Endorsement, in section B.1.a., says the named insured and any family members are insureds when the named insured is designated in the Declarations as an individual.