Opinion ID: 1998542
Heading Depth: 1
Heading Rank: 3

Heading: conclusion

Text: Indiana Code § 27-7-5-2 provides broad protection to insureds injured in accidents with financially irresponsible motorists. Consistent with this construction, and for the foregoing reasons we conclude thatabsent an explicit statutory exemption to the contraryan umbrella liability policy that does not provide for uninsured/underinsured motorist coverage by its own terms, yet provides coverage for liability arising from the ownership maintenance or use of motor vehicles, is an automobile liability policy or motor vehicle liability policy within the meaning of Indiana Code 27-7-5-2(a). As such, the statute requires such a policy to provide uninsured and underinsured motorist coverage. SHEPARD, C.J., and DICKSON, SELBY, and BOEHM, JJ., concur.