Travelers Commercial Insurance Company v. Crystal Marie Harrington, Respondent

Summary

The Court held that the policy’s family-vehicle exclusion did not conflict with the statutory provisions governing uninsured-motorist coverage because the policy unambiguously excluded the vehicle and did not improperly treat it as both insured and uninsured. The Court also held that a named insured’s election of nonstacked uninsured-motorist coverage binds all insureds under the policy, even when the claimant did not personally sign the election. The Court answered both certified questions in the negative and quashed the First District’s decision.