SHIRLEY PADMORE MENSAH, United States Magistrate Judge.
This matter is before the Court on defendant Progressive Preferred Insurance Company's ("Progressive's") motion for summary judgment and plaintiff James Jaudes' ("Jaudes'") cross-motion for summary judgment.
Jaudes was injured on January 28, 2010, when his car collided with a vehicle being operated by Derick Cook ("Cook"). Cook carried liability insurance with policy limits of $50,000, and that amount was tendered
Progressive moved for summary judgment, arguing that Jaudes is not entitled to coverage because the definition of underinsured motor vehicle used in its policy is unambiguous and Cook's vehicle does not meet the policy's definition of an underinsured motor vehicle. Progressive also posits that its policy does not allow Jaudes to stack the three UIM limits of liability to create a total combined policy limit of $150,000. (Doc. 21, 22). Jaudes filed a cross-motion for summary judgment, contending that he is entitled to judgment as a matter of law in light of an opinion that was issued by the Missouri Court of Appeals for the Western District just as the parties were completing their briefing of Progressive's motion for summary judgment. More specifically, Jaudes contends that under Fanning v. Progressive Northwestern Insurance Co., 412 S.W.3d 360 (Mo.Ct.App.2013), the policy's definition of underinsured motor vehicle is rendered ambiguous by the declarations page and other provisions in the policy. Jaudes further contends that, notwithstanding Progressive's arguments to the contrary, Missouri law permits stacking of the three UIM limits in Progressive's policy.
The standards applicable to summary judgment motions are well settled, and they do not change when both parties have moved for summary judgment. See Wermager v. Cormorant Twp. Bd., 716 F.2d 1211, 1214 (8th Cir.1983); Tower Rock Stone Co. v. Quarry & Allied Workers Local No. 830, 918 F.Supp.2d 902, 905 (E.D.Mo.2013). Summary judgment is proper "if the movant shows that there is no genuine dispute as to any material fact and the movant is entitled to judgment as a matter of law." Fed.R.Civ.P. 56(a); Hill v. Walker, 737 F.3d 1209, 1216 (8th Cir. 2013). The movant "bears the initial responsibility of informing the district court of the basis for its motion" and must identify "those portions of [the record] ... which it believes demonstrate the absence of a genuine issue of material fact." Celotex Corp. v. Catrett, 477 U.S. 317, 323, 106 S.Ct. 2548, 91 L.Ed.2d 265 (1986). If the movant does so, the nonmovant must respond by submitting evidentiary materials that set out "specific facts showing that there is a genuine issue for trial." Id. at 324, 106 S.Ct. 2548 (quotation marks omitted). "On a motion for summary judgment,
Where parties file cross-motions for summary judgment, each summary judgment motion must be evaluated independently to determine whether a genuine dispute of material fact exists and whether the movant is entitled to judgment as a matter of law. Husinga v. Federal-Mogul Ignition Co., 519 F.Supp.2d 929, 942 (S.D.Iowa 2007). "[T]he filing of cross motions for summary judgment does not necessarily indicate that there is no dispute as to a material fact, or have the effect of submitting the cause to a plenary determination on the merits." Wermager, 716 F.2d at 1214.
The material facts are not in dispute. On January 28, 2010, Jaudes was involved in a motor vehicle collision with Derick Cook, in which Jaudes was injured. Jaudes claims that, as a result of the collision with Cook, Jaudes sustained damages in excess of $50,000.
The car Jaudes was driving at the time of the accident was insured under Progressive Policy No. 31245848-0, along with two other cars owned by Jaudes. The parties do not dispute the policy language contained therein.
The declarations page contains an "Outline of Coverage" that lists each of Jaudes' vehicles. For each vehicle, there is a line indicating that the coverage includes "Underinsured Motorist" with "Limits" of "$50,000 each person/$100,000 each accident." A separate underinsured motorist premium is listed for each vehicle.
The underinsured motorist provisions in the Progressive policy are contained in Part III(B) and provide in relevant part as follows:
In its motion for summary judgment, Progressive posits that Jaudes' breach of contract claim fails as a matter of law because Jaudes is not entitled to underinsured motorist coverage for his damages under the terms of the policy. Progressive advances two arguments in support of its position. First, Progressive contends that the definition of "underinsured motor vehicle" used in the policy is unambiguous, and that the undisputed facts show that Cook's vehicle does not meet that definition because his vehicle's liability limit is not "less than" the Progressive policy's $50,000 UIM limit. Second, Progressive contends that because its policy contains clear and unambiguous anti-stacking provisions,
Under Missouri law, which applies in this diversity case, the rules governing the interpretation of insurance policies are well settled. A court must apply the general rules of contract construction when interpreting an insurance policy, because insurance policies are contracts. See Todd v. Mo. United Sch. Ins. Council, 223 S.W.3d 156, 160 (Mo.2007). A court must give the contract's terms their plain and ordinary meaning, unless a term is defined in the policy or is ambiguous. See Farmland Indus. Inc. v. Republic Ins. Co., 941 S.W.2d 505, 508 (Mo.1997). A court should apply "the meaning which would be attached by an ordinary person of average understanding if purchasing insurance." Burns v. Smith, 303 S.W.3d 505, 509 (Mo. 2010). In addition, "[c]ourts should not interpret policy provisions in isolation but rather evaluate policies as a whole." Ritchie v. Allied Prop. & Cas. Ins. Co., 307 S.W.3d 132, 135 (Mo.2009). Finally, in interpreting an insurance contract, the court must "endeavor to give each provision a reasonable meaning and to avoid an interpretation that renders some provisions useless or redundant." Dibben v. Shelter Ins. Co., 261 S.W.3d 553, 556 (Mo. Ct.App.2008).
"`The key is whether the contract language is ambiguous or unambiguous.'" Todd, 223 S.W.3d at 160 (quoting Peters v. Emp'rs Mut. Cas. Co., 853 S.W.2d 300, 302 (Mo.1993)). A term is ambiguous only if it is reasonably open to different constructions and there is duplicity, indistinctness, or uncertainty in the meaning of the language in the policy. Burns, 303 S.W.3d at 509 (citing Seeck v. Geico Gen. Ins. Co., 212 S.W.3d 129, 132 (Mo.2007)). If an insurance clause "appears to provide coverage but other clauses indicate that such coverage is not provided, then the policy is ambiguous." Seeck, 212 S.W.3d at 134. However, a court must not "unreasonably distort the language of a policy or exercise inventive powers for the purpose of creating an ambiguity when none exists." Todd, 223 S.W.3d at 163. When an ambiguity exists in an insurance policy, the court must interpret the policy in favor of the insured. Id. at 160. If, however, the policy is unambiguous, the court must enforce the contract's terms as written. Id.
Progressive concedes that if stacking were permitted, Cook would be the operator of an "underinsured motor vehicle," as that term is defined in the policy; as such, I begin by applying the foregoing principles to Progressive's contention that its policy prohibits stacking of the underinsured motorist coverage provided for Jaudes' three vehicles.
"`Stacking' refers to an insured's ability to obtain multiple insurance coverage benefits for an injury either from more than one policy, as where the insured has two or more separate vehicles under separate policies, or from multiple coverages provided for within a single policy, as when an insured has one policy which covers more than one vehicle.'" Ritchie v. Allied Prop. & Cas. Ins. Co., 307 S.W.3d 132, 135 (Mo.2009) (quoting Niswonger v. Farm Bureau Town & Country Ins. Co. of Mo., 992 S.W.2d 308, 313 (Mo.Ct.App.1999)). Because Missouri statutes do not mandate underinsured motorist coverage, whether underinsured motorist coverage limits may be stacked is determined by the language of the contract. Id.
As Progressive correctly points out, Missouri courts have previously held that similar language prohibits stacking of underinsured motorist coverage. Corrigan v. Progressive Ins. Co., 411 S.W.3d 306, 312-15 (Mo.Ct.App.2013) (holding stacking was prohibited by virtually identical language in another Progressive policy); Rodriguez v. Gen. Accident Ins. Co. of Am., 808 S.W.2d 379, 383-84 (Mo.1991) (holding stacking was prohibited by language stating, "The limit of liability shown in the schedule for this coverage is our maximum limit of liability for all damages resulting from any one accident. This is the most we will pay regardless of the number of ... Vehicles or premiums shown in the Declarations."); Stewart v. Liberty Mut. Fire Ins. Co., 349 S.W.3d 381, 385-88 (Mo.Ct.App.2011) (holding stacking was prohibited by language stating, "The limit of liability shown in the schedule or in the declarations for each person for underinsured motorist coverage is our maximum limit of liability for all damages.... This is the most we will pay regardless of the number of ... Vehicles or premiums shown in the schedule or in the declarations").
Progressive further argues that the cases in which Missouri courts have allowed stacking of underinsured motorist coverages involved situations in which an insured was injured while occupying a vehicle that he or she did not own or that was otherwise not covered under the policy. In those instances, Missouri courts have held that an ambiguity may exist when an "Other Insurance" clause describing what happens if the injury occurs in a non-owned or non-covered vehicle is read together with anti-stacking provisions in a policy. The Missouri Supreme Court's decision in Ritchie v. Allied Property & Casualty Insurance Co., 307 S.W.3d 132, 137-38 (Mo.2009), is one such example.
In Ritchie, the insureds' daughter was killed in an accident while occupying a motor vehicle the insureds did not own. The insureds had a policy providing underinsured motorist coverage of $100,000 per person for each of the three vehicles they owned. Id. The policy contained both anti-stacking provisions and a provision entitled "Other Insurance" that stated, "Any coverage we provide with respect to a vehicle you do not own shall be excess over any other collectible underinsured motorist coverage." Id. at 137. The court held that an "ordinary person of average understanding reasonably could interpret this
In response, Jaudes cites Clark v. American Family Mutual Insurance Co., 92 S.W.3d 198 (Mo.Ct.App.2002), to support the proposition that there are circumstances in which Missouri courts will allow stacking even when the case does not involve a plaintiff who was injured while occupying a non-owned or non-covered vehicle. Jaudes urges this court to find that, like the "Other Insurance" provisions at issue in Clark, the first two sentences of the "Other Insurance" clause in Progressive's policy could be read to override the policy's anti-stacking provisions "in situations where there is more than one policy providing underinsured motorist insurance."
In Clark, the plaintiff had two separate insurance policies (each with a separate policy number and premium), covering two different cars, each with underinsured motorist coverage limits of $50,000. Clark, 92 S.W.3d at 200. The plaintiff was struck by a vehicle while standing at the side of a road (occupying neither of his covered vehicles), and he suffered damages. Id. at 199-200. After the driver of the other vehicle paid his $25,000 in policy limits, the plaintiff sought coverage under the underinsured motorist provisions of both of his insurance policies. Each policy contained an anti-stacking clause similar to the one in this case, stating that the limit of liability under the policy was the maximum that would be paid regardless of the number of vehicles described in the declarations or policies involved. Id. at 200. However,
Id. at 201. The court found that under this clause, although the stated maximum of each endorsement was $50,000, when each endorsement was considered, the "total limit of all similar insurance" was $100,000, and "[the insurer's] proportionate share [was] $50,000 under one policy and $50,000 under the other." Id. at 203.
It was critical to the holding in Clark that the insurer had issued two separate insurance policies and then promised to pay each policy's share. Under each policy, the other policy provided "other similar insurance," making the "total limits of all similar insurance" $100,000. Each policy contained the insurer's promise to pay that policy's share of those total limits, and enforcement of both promises had the effect of stacking coverage. Jaudes' reliance on Clark is misplaced. Here, there is only one policy, with a single underinsured motorist endorsement and a single promise to pay.
Other than Clark, Jaudes offers no authority or explanation to support his argument that the "Other Insurance" provision in Progressive's policy supports stacking in the absence of multiple insurance policies, and the Court is aware of no such authority. To find ambiguity here, the Court would have to find that the "Other Insurance" clause in Progressive's policy could reasonably be read to permit stacking of coverage limits in all circumstances, despite the multiple clear statements prohibiting stacking of coverage limits elsewhere in the policy. Doing so would "unreasonably distort the language of a policy" or would require the Court to "exercise inventive powers for the purpose of creating an ambiguity when none exists;" this the Court may not do. See Todd, 223 S.W.3d at 163.
In sum, Progressive's policy does not permit Jaudes to stack the underinsured motorist coverage limits for his three vehicles; as such, the applicable policy limit is the $50,000 limit for the vehicle Jaudes was driving at the time of the collision.
In its motion for summary judgment, Progressive argues that Jaudes is not entitled to coverage under the underinsured motor vehicle provisions of the policy because Cook's vehicle does not meet the policy definition of an underinsured motor vehicle. Progressive's policy defines an underinsured motor vehicle as a vehicle "for which the sum of the limits of liability under all bodily injury liability bonds or policies applicable at the time of the accident is less than the coverage limit for the Underinsured Motorist Coverage shown on the declarations page." As discussed above, Cook's vehicle had a policy limit of $50,000, which is the same as the UIM coverage limit shown on the declarations page. Progressive contends that the policy definition should be enforced as written because it is clear and unambiguous and because there are no other policy provisions that inject ambiguity into the meaning of what is a covered "underinsured motor vehicle." In support of this argument, Progressive cites the Missouri Supreme Court's opinion in Rodriguez v. General Accident Insurance Co. of America, 808 S.W.2d 379 (Mo. 1991), and the Eighth Circuit Court of Appeals' recent decision in Owners Insurance Co. v. Hughes, 712 F.3d 392, 394 (8th Cir.2013).
The Rodriguez plaintiffs argued that the term "underinsured motorist" was inherently ambiguous and that they were entitled to a resolution of the ambiguity consistent with their "objective reasonable expectations." Id. at 381-82. Specifically, they argued that the court should interpret the underinsured motorist coverage as excess coverage — in other words, coverage over and above what the tortfeasor's policy provided. Id. The Missouri Supreme Court rejected that argument, stating that the "objective reasonable expectations" doctrine does not apply unless the court first finds an ambiguity in the contract. Id. at 382. Analyzing the contractual language, the court stated, "Considering the clarity with which the underinsured motorist coverage is defined in the policy, we hold that it is neither ambiguous nor misleading." Id. at 383. Notably, in Rodriguez, the Missouri Supreme Court rejected the Eighth Circuit's opinion in Weber v. American Family Mutual Insurance Co., 868 F.2d 286 (8th Cir. 1989), as "inconsistent with Missouri law." Rodriguez, 808 S.W.2d at 383. In Weber, the plaintiff argued, as Jaudes does here, that the insurer's interpretation of the policy would render underinsured motorist coverage meaningless because an insured would never reach the limits of liability under any scenario. See id. at 382-83 & n. 1 (citing Weber, 868 F.2d at 288); Doc. 33, at pp. 12-14. The Eighth Circuit in Weber rejected the plain language of the insurance contract before it and held that the underinsured motorist coverage was excess above payments from other sources. Rodriguez, 808 S.W.2d at 382-83 & n. 1 (citing Weber, 868 F.2d at 288). The Missouri Supreme Court stated that Weber was "an example of a court creating ambiguity to distort the language of an unambiguous policy." Rodriguez, 808 S.W.2d at 383.
In Owners Insurance Co. v. Hughes, 712 F.3d 392, 394 (8th Cir.2013), the Eighth Circuit held that the Missouri Supreme Court has left untouched its holding in Rodriguez. In rejecting an argument by the plaintiff that the Missouri Supreme Court had relegated the underinsured motorist language in Rodriguez to dicta, the Eighth Circuit held that the Missouri Supreme Court's recent decisions actually confirm the operative holding of Rodriguez. Hughes, 712 F.3d at 395. However, the Eighth Circuit recognized that decisions since Rodriguez make clear that the fact that a definition is clear and unambiguous does not necessarily end the inquiry as to the existence of an ambiguity. Id. at 396. It stated, "if other policy provisions inject ambiguity into the meaning of what is a covered `underinsured motor vehicle,'
The "excess insurance" provision analyzed by the Missouri Supreme Court in Seeck v. Geico General Insurance Co., 212 S.W.3d 129, 132 (Mo.2007), is an example of the type of provision that could, under certain circumstances, inject ambiguity into the meaning of an otherwise unambiguous definition of an "underinsured motor vehicle." The plaintiff in Seeck was injured as a passenger in a vehicle accident and sustained serious and permanent damages. Id. at 131. The negligent driver who caused the accident was insured, and the plaintiff recovered $50,000 from that driver's insurer. Id. She also sought recovery under the underinsured motorist coverage section of her own policy, which itself had a limit of $50,000. Id. The insurer argued that no coverage existed because the tortfeasor's vehicle was not one whose "limit for bodily injury liability is less than the limit of liability for this coverage" and thus did not fall within the definition of underinsured motor vehicle. Id. at 132-33. However, the court found an ambiguity based on the policy's "excess insurance clause," which stated:
Id. at 132. The court stated:
Id. at 133 (quoting Zemelman v. Equity Mut. Ins. Co., 935 S.W.2d 673, 677-78 (Mo.Ct.App.1996)). The court resolved the ambiguity in favor of coverage. Id. at 134. See also Chamness v. Am. Family Mut. Ins. Co., 226 S.W.3d 199, 202-03, 207 (Mo. Ct.App.2007) (finding ambiguity based on a definition of underinsured motor vehicle like the one here and an "other insurance" clause stating, "any insurance provided under this endorsement for an insured person while occupying a vehicle you do not own is excess over any other similar insurance"; reasoning that "an ordinary person of average understanding would interpret the second sentence of the other insurance clause to provide coverage over and above any applicable coverage"); Am. Family Mut. Ins. Co. v. Ragsdale, 213 S.W.3d 51, 56 (Mo.Ct.App.2006) (same).
Progressive argues that post-Rodriguez decisions such as Seeck, Chamness, and Ragsdale involve ambiguities not found in Progressive's policy, or that are otherwise factually distinguishable. (Doc. 22 at p. 4). I agree. Unlike the insureds in the cases discussed above, Jaudes is not seeking coverage with respect to a vehicle he does not own, nor does he suggest that his policy's "Other Insurance" clause appears to provide excess coverage in his situation.
In response (and in his cross-motion for summary judgment) Jaudes argues that even though Progressive's policy may not contain the type of provisions analyzed in Seeck and other similar cases, there are several other provisions in Progressive's policy that create ambiguity, including (1) the declarations page's unqualified statement that the policy provides underinsured motorist coverage with a $50,000 per-person limit (in combination with the definition of declarations page); (2) the Insuring
Long, 351 S.W.3d 692, does not support Jaudes' position. Under the "Insuring Agreement" in Long, the insurer promised to pay "
Long, 351 S.W.3d at 698 n. 7.
Miller, 400 S.W.3d 779, cited by Jaudes, is also distinguishable. In Miller, the court found that an ambiguity arose when an insuring agreement and declarations page similar to those contained in Progressive's policy were considered in combination with a definition of underinsured motor vehicle similar to the definition in Progressive's policy. Id. at 787-93. However, as the Eighth Circuit pointed out in Hughes, "the Miller court relied on a lack of evidence in the record as to whether the defined policy term `underinsured motor vehicle' was presented in bold type [in the insuring agreement] so as to notify the ordinary reader of its technical meaning." Hughes, 712 F.3d at 396 (citing Miller, 400 S.W.3d at 781 n. 1); see also Miller, 400
Moreover, as the Eighth Circuit recognized in Hughes, "to the extent that Miller conflicts with Rodriguez, [the court is] bound to follow Rodriguez." Hughes, 712 F.3d at 396. Where, as here, federal jurisdiction is based on diversity of citizenship, this court is "`bound by the decisions of the Missouri Supreme Court regarding issues of substantive state law.'" Id. at 393 (quoting Bockelman v. MCI Worldcom, Inc., 403 F.3d 528, 531 (8th Cir.2005)). "`Decisions by the Missouri Court of Appeals may be used as an indication of how the Missouri Supreme Court may rule, but [the court is] not bound to follow these decisions.'" Id. (quoting Aerotronics, Inc. v. Pneumo Abex Corp., 62 F.3d 1053, 1068 (8th Cir.1995)).
Finally, as Jaudes correctly notes, in Fanning, 412 S.W.3d 360, the Court of Appeals for the Western District of Missouri recently analyzed language that in almost all respects is identical to Progressive's policy language in this case. In Fanning, the court accepted the arguments advanced by Jaudes in this case. Specifically, the court in Fanning found that ambiguities arising from three provisions required the court to construe Progressive's underinsured motorist coverage as excess coverage: (1) the declarations page's unqualified statement that the policy provides underinsured motorist coverage with a $50,000 per-person limit (in combination with the definition of declaration page); (2) the Insuring Agreement's promise that Progressive "will pay for damages that an insured person is legally entitled to recover from the owner or operator of an
The Fanning court reasoned that the declarations page permitted the insured "to form the reasonable belief" that the insured had obtained underinsured motorist coverage with a maximum of $50,000 per person, and that the definition of underinsured motor vehicle acted to "nullify" or "limit" that coverage, creating an ambiguity. Id. at 366. The Fanning court also emphasized that the declarations page contained "no alert" that the tortfeasor's liability insurance had to be less than the amount shown on the declarations page for the coverage to be triggered. Id. In so doing, the Fanning court suggested that in order to avoid being ambiguous, Progressive's policy would need to state on the declarations page the "manner in which the[] maximum limits [reflected on the declarations page] could be reduced" or "nullified." Id.
The Fanning court cited no Missouri Supreme Court opinions in support of this position, and this court has found none. Indeed, as Progressive points out in its brief, the Missouri Supreme Court has recognized that "essential terms are usually stated in
In addition, neither the declarations page nor the definition of the term "declarations page" contains any language that would lead an ordinary person of average understanding to believe that the promised limit of liability of $50,000 per person was a promise of "excess coverage" over and above any amount paid by a culpable third party. In sum, I find nothing ambiguous or misleading about a policy that offers underinsured motorist coverage in a certain amount on its face sheet and then defines "underinsured motor vehicle" as it is defined here. See Rodriguez, 808 S.W.2d at 381-83; see also Hughes, 712 F.3d at 394-96 (relying on Rodriguez to enforce a definition of "underinsured automobile" similar to the one here, despite the fact that the policy stated on the declarations page that it provided $100,000 in underinsured motorist coverage).
The Fanning court's conclusion that Progressive's policy is ambiguous because the declarations page contained "no alert that the [underinsured motorist coverage] is gap coverage rather than excess coverage" appears to be predicated on the assumption that an ordinary insured purchasing insurance would reasonably expect that a promise of "underinsured motorist" coverage on the declarations page includes a promise of coverage that is excess over amounts paid by the tortfeasor, regardless of the policy's definitions. See Fanning, 412 S.W.3d at 366. Although such an expectation might be a reasonable one, Rodriguez expressly prohibits a court from finding an ambiguity solely by giving effect to the insured's reasonable expectation. 808 S.W.2d at 381-83. In the absence of any misleading or confusing language contained in the policy itself, this court must not "unreasonably distort the language of a policy or exercise inventive powers for the purpose of creating an ambiguity where none exists." Todd, 223 S.W.3d at 163.
Although the court in Fanning stated that it was holding that "the Insuring Agreement and Limit of Liability portions of the policy ... render the definition ambiguous by failing to include limiting language regarding the coverage," the Fanning court did not analyze any of the language of the Insuring Agreement or explain how it created ambiguity. The Fanning court's conclusory finding that the Insuring Agreement renders the definition of underinsured motor vehicle ambiguous is inconsistent with the Missouri Supreme Court's decision in Rodriguez and with the plain language of Progressive's policy. Indeed, the relevant language of the Insuring Agreement in Rodriguez was substantively identical to the language here: it stated, "We will pay damages which an `insured' is legally entitled
In Fanning, the court found that the Limits of Liability and setoff provisions of the Progressive policy at issue created an ambiguity in the definition of underinsured motor vehicle because, under the setoff provision, the insurer would never have to pay up to its policy limits.
(italics added).
Second, to the extent that the policy language here cannot be distinguished from Fanning, Jaudes' argument and the court's holding in Fanning are in conflict with the Missouri Supreme Court's decision in Rodriguez. The relevant policy language in Rodriguez was substantively identical to the language in the policy in Fanning. The policy in Rodriguez provided, "[t]he limit of liability shown in the schedule for this coverage is our maximum liability ... This is the most we will pay... However, the limit of liability shall be reduced by all sums paid [on behalf of the tortfeasor]." Id. at 381. The Rodriguez court nevertheless enforced the definition of "underinsured motor vehicle" and expressly rejected the plaintiffs' argument that a definition of underinsured motor vehicle like the one here could not be given effect because, if it were, the promised $100,000 limit of liability would never be available to the insured. Id. at 382-83.
Similarly, in Hughes, the Eighth Circuit rejected the insured's argument that an ambiguity was created because enforcement
The Missouri Supreme Court's decisions in Jones v. Mid-Century Ins. Co., 287 S.W.3d 687, 692 (Mo.2009), and Ritchie v. Allied Property & Casualty Insurance Co., 307 S.W.3d 132, 139-40 (Mo.2009), which were cited by the Fanning court, are easily distinguishable from the facts of this case. In both Jones and Ritchie, it was undisputed that the definition of underinsured motor vehicle was satisfied and that some level of underinsured motor vehicle coverage applied. Indeed, in Jones, the court found that its holding was not contrary to Rodriguez because "there was no underinsurance in [Rodriguez]." 287 S.W.3d at 692 n. 3. In Hughes, the Eighth Circuit further clarified that Jones did not affect the holding of Rodriguez where the issue was the enforcement of a definition of underinsured motor vehicle rather than the enforcement of a setoff provision. Hughes, 712 F.3d at 395.
Here, as in Rodriguez and Hughes, Progressive is not attempting to rely on a setoff provision; rather, Progressive contends there is no underinsured motorist coverage because the definition of "underinsured motor vehicle" is not satisfied. In sum, I find that the clear and unambiguous definition of "underinsured motor vehicle" in Progressive's policy is not satisfied and that none of the policy provisions cited by Jaudes create ambiguity regarding that definition. Thus, Plaintiff is not entitled to coverage under the underinsured motorist provisions of the policy.
For all of the reasons stated above, Progressive has established that it is entitled to judgment as a matter of law. The undisputed facts and controlling Missouri law establish that Plaintiff is not entitled to coverage under Progressive's policy with respect to his accident with Cook, because: (i) Progressive's policy unambiguously prohibits stacking of underinsured motorist coverage; (ii) the policy's definition of "underinsured motor vehicle" is not ambiguous; and (iii) Cook's vehicle does not meet the policy's definition of "underinsured motor vehicle." For these same reasons, Jaudes has failed to establish that he is entitled to judgment as a matter of law on his claim for breach of contract. The Court will issue a separate judgment consistent with this Memorandum and Order.
Accordingly,
The Court will issue a separate judgment consistent with this Memorandum and Order.
