Opinion ID: 2308373
Heading Depth: 3
Heading Rank: 1

Heading: The Patriot Policy

Text: [¶ 14] The Patriot policy provides uninsured and underinsured vehicle coverage for bodily injury suffered in an accident with an uninsured or underinsured vehicle: We will pay compensatory damages which an insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle because of bodily injury: 1. Sustained by an insured; and 2. Caused by an accident. The policy excludes from its uninsured and underinsured vehicle coverage, however, any damages for an injury suffered by the insured while using a vehicle that is registered to the insured but not covered by the Patriot policy: EXCLUSIONS A. We do not provide Uninsured Motorists Coverage for bodily injury sustained: 1. By an insured while occupying, or when struck by, any motor vehicle owned by that insured which is not insured for this coverage under this policy. This includes a trailer of any type used with that vehicle. 2. By any family member while occupying, or when struck by, any motor vehicle you own which is insured for this coverage on a primary basis under any other policy. For purposes of the Patriot uninsured or underinsured vehicle policy, insured includes [y]ou or any `family member.' The term you in the policy includes both: 1. The named insured shown in the Declarations; and 2. The spouse if a resident of the same household. [¶ 15] The language of this policy's exclusion prohibits recovery when an insured suffers bodily injury while occupying a motor vehicle that is owned by the insured but is not covered by the policy. According to the policy's clear language, the exclusion applies to bodily injury sustained by an insured, a term that includes the defined term you, while occupying a vehicle owned by the insured that is not covered by the same policy. As spouses sharing a residence, both Hylie Hall and Carla Hall were included in the definition of you. The exclusion applies, therefore, if either spouse was injured while occupying a vehicle, owned by either of them, that was not insured by the Patriot policy. Here, Hylie Hall  an insured  occupied a motorcycle he owned that was not insured by the Patriot policy. Like the exclusions construed in Gross, 506 A.2d at 1141, and Maurice, 235 F.3d at 9-10, the exclusion in the Patriot policy unambiguously applies in the circumstances of this case, and Carla Hall is not entitled to underinsured vehicle coverage pursuant to this policy.