Opinion ID: 2066521
Heading Depth: 2
Heading Rank: 2

Heading: Relevant insurance policy provisions.

Text: The declarations page of the policy lists the limits for UM coverage at $100,000 for each person and $300,000 for each accident. By virtue of endorsements to the policy, however, IMT has attempted to reduce the limits of UM coverage in the event that the policy provides no liability coverage for any insured concerning a claim for bodily injury to another insured or any family member. The separate endorsement to the uninsured motorist coverage portion of the policy states in pertinent part: If Uninsured Motorists Coverage is payable because liability coverage for your covered auto under Part A of the policy is excluded for damages sustained in the accident: 1. That part of the limit of liability shown for each person for Uninsured Motorists Coverage in the Declarations that does not exceed the limit specified in the financial responsibility law of Iowa, is our maximum limit of liability for all damages, including damages for care, loss of services or death, arising out of bodily injury sustained by any person in any one accident. 2. Subject to this limit of each person, that part of the limit of liability shown in the Declarations for each accident for Uninsured Motorists Coverage that does not exceed the limit specified in the financial responsibility law of Iowa is our maximum limit of liability for all damages arising out of bodily injury resulting from any one accident. (Emphasis added.) IMT suggests that the above reference to the financial responsibility law of Iowa is to Iowa Code section 321A.1(10), which establishes the statutorily required amounts of liability at $20,000 per person and $40,000 per accident. Under the policy language, IMT contends that because the family member exclusion eliminates any liability coverage to Paul, making him an uninsured driver, the amount of UM coverage available to Debra under the policy for her claim against Paul is reduced from the amounts specified on the declarations page to the amounts specified in Iowa Code section 321A.1(10), i.e., from $100,000 to $20,000 per person, and from $300,000 to $40,000 for each accident.