Vidmar v. American Family Mut. Ins. Co.
| Decision Date | 24 October 1980 |
| Docket Number | No. 80-410,80-410 |
| Parties | Robert VIDMAR, Plaintiff-Appellant, v. AMERICAN FAMILY MUTUAL INSURANCE COMPANY, a Wisconsin corporation, Defendant-Respondent, Ruby Mitchell, National Indemnity Company, a foreign Corporation, City of Milwaukee, a Municipal Corporation, Defendants. * |
| Court | Wisconsin Court of Appeals |
Patrick O. Dunphy and Habush, Habush & Davis, S. C., Milwaukee, for plaintiff-appellant.
Richard S. Baker and Borgelt, Powell, Peterson & Frauen, S. C., Milwaukee, for defendant-respondent.
Before DECKER, C. J., MOSER, P. J., and SCOTT, J.
The issue on appeal is whether an automobile liability policy endorsement can exclude from uninsured motorist coverage, liability for an insured's injury sustained while occupying a non-owned vehicle in the course of his employment. We hold that it cannot and reverse the judgment of the trial court.
Robert Vidmar's automobile liability policy issued to him by American Family Mutual Insurance Company, contained an endorsement excluding coverage for "the operation of ... non-owned automobiles" while occupied by Vidmar in connection with his employment. Vidmar, a Milwaukee police officer, was injured while occupying a police vehicle when it was struck by an uninsured motorist. The trial court granted American Family's motion for summary judgment 1 on the ground that the endorsement excluded coverage for his injury sustained while occupying a vehicle in the course of his employment.
"Because we conclude that the uninsured motorist statute, which provides protection for persons and not for vehicles, invalidates the policy exclusion and requires coverage," Roe v. Larson, 94 Wis.2d 204, 206, 287 N.W.2d 824, 825 (Ct.App.1979), we need not consider Vidmar's contention that the endorsement should be construed not to reduce uninsured motorist coverage prescribed by sec. 632.32(3), Stats.
In Roe we held that a "drive other cars" exclusion that denied uninsured motorist coverage to an insured injured while occupying a vehicle other than an insured automobile was void as against the public policy of the uninsured motorist statute (sec. 632.32(3), Stats.). The exclusion in Vidmar's policy proscribing coverage while occupying a non-owned automobile in connection with his employment does not sweep as broadly but nonetheless is focused directly upon diluting the coverage provided by sec. 632.32(3), Stats.
The policy behind the uninsured motorist statute is to afford an insured, injured by an uninsured motorist, the same protection he would have had for an injury caused by a motorist insured by a standard automobile policy. (citation omitted). The statute is for "the protection of persons injured." It does not place limits as to where the injury must occur. Roe, supra, at 208, 287 N.W.2d at 826.
Although the exclusion is narrower in this case than in Roe, its aim and purpose is the same-to dilute uninsured motorist coverage by excluding coverage for an injury by an uninsured motorist sustained by the insured while occupying a vehicle in connection with the insured's employment. As in Roe, the thrust of the exclusion is to limit the place where injury occurs. Such a limitation is violative of the statute and therefore invalid.
In analyzing the coverage exclusion...
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Vidmar v. American Family Mut. Ins. Co.
...& Davis, S. C., Milwaukee, on brief. DAY, Justice. This is a review of a decision of the court of appeals, published at 99 Wis.2d 398, 299 N.W.2d 288 (Ct.App.1980), reversing a judgment of the Circuit Court for Milwaukee County: HAROLD B. JACKSON, JR., Circuit Judge, The question on review ......