Court Opinion

ID: 9861017
Source: CourtListenerOpinion
Date Created: 2023-09-24 23:39:13.681933+00
Date Added: 2024-06-11T11:27:03.747517
License: Public Domain

SCHULTZ, Justice
(dissenting).
I cannot agree with the majority since I find nothing in Iowa Code chapter 516A that would prohibit an insurer from excluding from coverage any damages arising out of the use of vehicles that the insured owns but does not choose to insure. In effect, the majority opinion provides gratuitous insurance to all uninsured vehicles that a policy holder may, own. I cannot perceive any intent by the legislature to compel this kind of unlimited gratuitous coverage.
This case differs from Rodman v. State Farm Mutual Insurance Co., 208 N.W.2d 903 (Iowa 1973). In Rodman the insured paid a premium for uninsured motorist coverage on the very vehicle involved in the accident. Here, Lindahl did not pay any insurance premium for the vehicle involved in the accident.
I would give effect to the policy exclusion and reverse the ruling of the trial court.
MeGIVERIN, CARTER, and WOLLE, JJ., join this dissent.