KATIUSKA LIRANZA-SUAREZ, Plaintiff, vs. STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Defendant.
24 Fla. L. Weekly Supp. 27c
Online Reference: FLWSUPP 2401LIRAInsurance — Automobile — Uninsured motorist — Exclusions — Insured who was the “first person shown” as a named insured on the policy and who was injured while riding motorcycle owned by h er when motorcycle was rear-ended by vehicle not owned by the insured or her spouse was entitled to coverage under policy — Although policy excluded coverage for bodily injury to insured while occupying a vehicle owned by the insured or any resident relative if the vehicle was not the insured’s car or a newly acquired car, policy contained an exception to the exclusion for circumstance in which the named insured and that named insured’s spouse were injured while occupying or being struck by a motor vehicle not owned by one or both of them — No merit to argument that exception was intended to apply only when first named insured or spouse was injured in or by vehicle owned by resident relative where exception does not even mention resident relatives — Argument that it is unreasonable to interpret exception in manner that swallows exclusion is legally irrelevant and factually incorrect