State Farm Mut. Auto. Ins. Co. v. Kuhn, 79-279

Decision Date21 August 1979
Docket NumberNo. 79-279,79-279
PartiesSTATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY, Appellant, v. Robert H. KUHN and Rebecca W. Kuhn, his wife, Appellees.
CourtFlorida District Court of Appeals

Walton, Lantaff, Schroeder & Carson and George W. Chesrow, Miami, for appellant.

Post & Gordon, Greene & Cooper and Marc Cooper, Miami, for appellees.

Before HAVERFIELD, C. J., and KEHOE and SCHWARTZ, JJ.

PER CURIAM.

In this declaratory judgment action defendant insurer appeals a partial summary judgment determining that plaintiff insured is entitled to uninsured motorist benefits.

Appellant, State Farm Mutual Automobile Insurance Company, had issued to the appellee, Robert H. Kuhn, two separate liability insurance policies, one for his motorcycle and the other for his pickup truck. The truck policy provided uninsured motorist coverage. Kuhn had rejected in writing such coverage for his motorcycle. While riding his motorcycle, Kuhn sustained injuries when an automobile owned and operated by Dana Tucker struck the motorcycle. Tucker had no liability insurance and Kuhn made demand upon State Farm for the uninsured motorist benefits under the truck policy. State Farm denied coverage and Kuhn filed the instant suit for declaratory relief. Subsequently both parties moved for summary judgment, which after hearing was entered in favor of Kuhn. From the judgment finding that Kuhn is entitled to uninsured motorist benefits, State Farm perfected this appeal.

The dispositive question presented for our determination is whether Kuhn is precluded by Section 627.4132, Florida Statutes (1977), below, from recovery of the uninsured motorist benefits provided in the truck policy.

"627.4132 Stacking of coverages prohibited. If an insured or named insured is protected by any type of motor vehicle insurance policy for liability, uninsured motorist, personal injury protection, or any other coverage, The policy shall provide that the insured or named insured is protected only to the extent of the coverage he has on the vehicle involved in the accident. However, if none of the insured's or named insured's vehicles is involved in the accident, coverage is available only to the extent of coverage on any one of the vehicles with applicable coverage. Coverage on any other vehicles shall not be added to or stacked upon that coverage. This section shall not apply to reduce the coverage available by reason of insurance...

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25 cases
  • Florida Ins. Guaranty Ass'n v. Johnson
    • United States
    • Florida District Court of Appeals
    • December 24, 1980
    ...Fla. effective October 1, 1980, eliminates uninsured motorist coverage from Sec. 627.4132, Fla.Stat.2 See State Farm Mutual Auto. Ins. Co. v. Kuhn, 374 So.2d 1079 (Fla. 3d DCA 1979).3 Under the usual insurance policy the term "named insured" includes any person designated as such and while ......
  • Automobile Ins. Co. of Hartford, Conn. v. Beem
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    ...covering the vehicle involved in the accident and secondly, it prohibited the stacking of coverages. State Farm Mutual Auto Insurance Co. v. Kuhn, 374 So.2d 1079 (Fla. 3d DCA 1979), cert. denied, 383 So.2d 1197 (Fla.1980). Thus, exclusions such as the one here were valid under this statute ......
  • Hines v. Wausau Underwriters Ins. Co.
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    ...v. State Farm, 366 So.2d 811 (Fla. 4th DCA 1979), on which our sister court in the third district had relied in State Farm v. Kuhn, 374 So.2d 1079 (Fla.3d DCA 1979), which was an opinion upon which we, in turn, had relied in As with any opinion, Wimpee has significance with respect to only ......
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    ...the uninsured motorist coverage was not applicable to the injuries sustained by the insured. See also State Farm Mutual Automobile Insurance Co. v. Kuhn, 374 So.2d 1079 (Fla. 3d DCA 1979), cert. denied, 383 So.2d 1197 (Fla.1980); Allstate Insurance Co. v. Alvarez, 414 So.2d 224 (Fla. 3d DCA......
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