Opinion ID: 1957318
Heading Depth: 4
Heading Rank: 2

Heading: Whether Meyers Can Stack Under the Policies

Text: ¶ 23. Meyers argues that as an employee driving a covered vehicle, he is a Class I insured under the two May and Co. policies in question. We resolved this issue in Harris when we held that an employee who was driving a vehicle covered under his employer's business automobile policy was not a Class I insured since the employee was not named on the policy. 573 So.2d at 656 (citing Miss.Code Ann. § 83-11-103(b) (Supp.1990)). See also Glennon, 812 So.2d at 933 (holding that employees who are not named in the policy are Class II insureds under the statute). ¶ 24. A rejection of uninsured motorist coverage must be done expressly in writing. Miss.Code Ann. § 83-11-101 (Rev.2002). May and Co.'s business automobile policy made no provision for or against uninsured motorist coverage. Therefore, we read into the contract the statutory minimum of $10,000.00 per person and $20,000.00 per accident. Harris, 573 So.2d at 656-57. Even so, under Mascarella, only the uninsured motorist coverage of the accident vehicle applies to Meyers. Therefore, Meyers is only entitled to $10,000.00 of uninsured motorist coverage under the May and Co. business automobile liability policy. He is allowed to stack this coverage with any personal uninsured motorist coverage he may have; however, there is no evidence in the record of any personal coverage, leaving him with $10,000.00 of uninsured motorist coverage.