Supreme Court of Arkansas
Mark Crockett and MacOn Carter v. Shelter Mutual Insurance Company
December 5, 20192019 Ark. 365
Summary
The court affirmed summary judgment for Shelter, holding that the policy's definition of reasonable charges unambiguously allowed Shelter to satisfy the insureds' medical-expense obligations through payments to their providers, including amounts accepted at reduced rates. The court also held that the policy did not violate the statutory medical-benefits requirement because the statute guarantees up to $5,000 in available coverage, not the difference between providers' original bills and amounts accepted in full satisfaction. The motion in limine issue was moot because summary judgment was properly granted.