American Standard Insurance Co. of Wisconsin v. Stinson

404 S.W.3d 303, 2012 WL 5207520, 2012 Mo. App. LEXIS 1330
CourtMissouri Court of Appeals
DecidedOctober 23, 2012
DocketNo. ED 97657
StatusPublished
Cited by6 cases

This text of 404 S.W.3d 303 (American Standard Insurance Co. of Wisconsin v. Stinson) is published on Counsel Stack Legal Research, covering Missouri Court of Appeals primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
American Standard Insurance Co. of Wisconsin v. Stinson, 404 S.W.3d 303, 2012 WL 5207520, 2012 Mo. App. LEXIS 1330 (Mo. Ct. App. 2012).

Opinion

PATRICIA L. COHEN, Judge.

Introduction

Shauna Young (Plaintiff) appeals the trial court’s denial of her motion for summary judgment and grant of summary judgment to American Standard Insurance Company of Wisconsin (ASIC) on its petition seeking a declaratory judgment that it had no obligation to defend or indemnify its insured, William A. Stinson (Defendant), for claims arising out of a fatal motor vehicle collision. Plaintiff claims the trial court erred by: (1) denying her motion for summary judgment because ASIC’s automobile insurance policy is ambiguous as a matter of law; (2) granting ASIC’s motion for summary judgment because there remain unresolved issues of material fact; and (3) granting ASIC’s motion for summary judgment because the trial court misapplied the “law of the case” doctrine and based its ruling on a prior order that did not address the same motions and legal issues that were present before the trial court at the time of the challenged ruling. We affirm.

Factual and Procedural Background

In August 2004, Defendant worked at a car dealership owned by his father, William B. Stinson (Father). On the night of August 14, 2004, Defendant rode his bicycle to Father’s dealership, forced open the dealership door and a safe containing dealer license plates, took a set of keys, and drove a 2001 Lincoln LS off the dealership parking lot. Shortly thereafter, Defendant crashed the Lincoln into a vehicle being driven by Ricky J. Young, who died as a result of the collision.1 Plaintiff, Mr. Young’s daughter, filed the underlying wrongful death suit against Defendant.

At the time of the August 14, 2004 collision, ASIC had issued an automobile insurance policy issued to Defendant. “Part I — Liability Coverage,” provided, in relevant part:

We will pay compensatory damages an Insured person is legally liable for because of bodily injury and property damage due to the use of a car.... ADDITIONAL DEFINITION USED IN THIS PART ONLY
Insured person or insured persons means:
1. You or a relative.
[[Image here]]
But the following are not Insured persons:
1. Any person, other than a relative, using your insured car without your permission.
2. Any person, other than a relative, using your insured car with your permission, but who exceeds their scope of that permission.
3. Any person using a vehicle without the permission of the person having lawful possession.
[[Image here]]

(emphasis in original).

On January 28, 2008, ASIC filed an action seeking a declaratory judgment that it [307]*307had no obligation to defend or indemnify Defendant for claims arising out of the August 14, 2004 collision. ASIC based its argument on the policy language excluding from the definition of “Insured persons” “[a]ny person using a vehicle without the permission of the person having lawful possession.” ASIC asserted that, because Defendant drove the Lincoln without permission of the vehicle’s owner, which was either Father or Father’s dealership, the policy did not cover the accident.

On January 7, 2010, Plaintiff filed a motion for summary judgment arguing that the exclusionary clause upon which ASIC based its claim for a declaration of non-coverage was ambiguous. The trial court denied Plaintiffs motion without explanation on April 1, 2010.

Plaintiff filed a first amended motion for summary judgment on November 12, 2010, again arguing that that the insurance policy was ambiguous, and, on February 19, 2011, the trial court issued an order and judgment denying Plaintiffs amended motion for summary judgment. The trial court rejected Plaintiffs argument that the policy language was ambiguous, explaining that “identical policy language was found to be clear and unambiguous in State Farm, Mutual [Automobile] Insurance Company v. Scheel [, 973 S.W.2d 560 (Mo.App. W.D.1998) ].” The trial court later set aside the February 19, 2011 order and judgment on the grounds that Plaintiffs counsel did not receive timely notification of its issuance.

On June 28, 2011, ASIC filed a motion for summary judgment asserting that Defendant had no coverage under the policy and ASIC had no duty to defend or indemnify Defendant because Defendant was using the Lincoln without “permission of the person having lawful possession” of it. Plaintiff filed a second amended motion for summary judgment on July 18, 2011, reasserting her earlier argument that the policy was ambiguous.

On October 5, 2011, the trial court granted ASIC’s motion for summary judgment and denied Plaintiffs second amended motion for summary judgment. In the order, the trial court found that: (1) the policy language was “clear and unambiguous”; and (2) Defendant “did not have permission — express or implied — to drive the 2001 Lincoln automobile.” Plaintiff appeals.

Standard of Review

We review the entry of summary judgment de novo. ITT Commercial Fin. Corp. v. Mid-Am. Marine Supply Corp., 854 S.W.2d 371, 376 (Mo. banc 1993). Summary judgment is appropriate when there is no genuine issue of material fact and the movant is entitled to judgment as a matter of law. Id. at 376; Rule 74.04(c). When reviewing a trial court’s grant of summary judgment, this court views the record in the light most favorable to the party against whom summary judgment was entered. ITT, 854 S.W.2d at 376.

Discussion

1. Ambiguity

In her first point on appeal, Plaintiff claims the trial court erred in denying her motion for summary judgment because the undefined phrase “any person” is ambiguous as a matter of law and must be interpreted against ASIC and in favor of coverage. ASIC counters that the trial court properly denied Plaintiffs motion for summary judgment and entered judgment in ASIC’s favor because, under the clear and unambiguous language of the policy, Defendant was not an insured person.2

[308]*308The interpretation of the meaning of an insurance policy is a question of law. Seeck v. Geico Gen. Ins. Co., 212 S.W.3d 129, 132 (Mo. banc 2007). In construing the terms of an insurance policy, this court “applies the meaning which would be attached by an ordinary person of average understanding if purchasing insurance and resolves ambiguities in favor of the insured.” Id. (internal quotations omitted). We read the policy as a whole to determine the parties’ intent and give the policy language used its plain and ordinary meaning. Grissom v. First Nat’l Ins. Agency, 371 S.W.3d 869, 873 (Mo.App. S.D.2012). “If the policy is unambiguous, the policy will be enforced according to its terms.” Id. at 874 (quotation omitted).

“An ambiguity exists when there is duplicity, indistinctness, or uncertainty in the meaning of the language in the policy.” Burns v. Smith,

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404 S.W.3d 303, 2012 WL 5207520, 2012 Mo. App. LEXIS 1330, Counsel Stack Legal Research, https://law.counselstack.com/opinion/american-standard-insurance-co-of-wisconsin-v-stinson-moctapp-2012.