Opinion ID: 1895159
Heading Depth: 1
Heading Rank: 3

Heading: Point 1 Jeffery C. Miller is an insured under the Allstate policy for the purpose of stacking and collecting the uninsured motorist benefits thereunder.

Text: This argument is resolved by reading the pertinent uninsured motorist insurance coverage provision in conjunction with the uninsured motorist coverage statute. State Farm Mut. Auto. Ins. Co. v. Davis, 613 So.2d 1179, 1180 (Miss. 1992). The Allstate policy under uninsured motorist insurance coverage defines: Insured Persons (1) You and any resident relative. (2) Any person while in, on, getting into or out of your insured auto with your permission. (3) Any other person who is legally entitled to recover because of bodily injury to you, a resident relative, or an occupant of your insured auto. (emphasis added) The uninsured motorist coverage statute in Miss. Code Ann. § 83-11-103(b) (1991) defines insured as follows: The term insured shall mean the named insured and, while resident of the same household, the spouse of any such named insured and relatives of either, while in a motor vehicle or otherwise, and any person who uses, with the consent, expressed or implied, of the named insured, the motor vehicle to which the policy applies, or the guest in such motor vehicle to which the policy applies, or the personal representative of any of the above. The definition of the term insured given in this section shall apply only to the uninsured motorist portion of the policy. Although the language is not identical, the policy definition of insured does not conflict with the statutory definition of insured. Miller is not, nor does he claim to be, the named insured, a resident spouse or relative of the named insured under provision (1). For coverage, he must come within the other definitions of insured [Provisions (2) and (3)]. Those provisions are clearly limited to instances involving the insured auto. The policy defines insured auto: An Insured Auto is a Motor Vehicle: (1) described in the declarations page ... (2) you acquire ownership of ... (3) not owned by you or a resident relative being temporarily used while your insured auto is being serviced or repaired ... (4) operated by you or your resident spouse with the permission of the owner, but not furnished for your regular use. (emphasis added) The Datsun 280 ZX automobile involved in the collision does not come within the definition of insured auto provisions 1, 2 and 3. Neither was that automobile operated by the you (named insured) or the your (named insured's) resident spouse as required by provision 4. Under the Allstate policy definition of insured persons, Miller is not covered. We conclude the language of the insurance contract is clear and not contrary to the uninsured motorist coverage statute or underlying public policy. In re Koestler for Benefit of Koestler, 608 So.2d 1258, 1263 (Miss. 1992). Miller is not an insured under the uninsured motorist coverage of the Allstate policy. There is no merit to this argument.