Auto-Owners Ins. Co. v. Munroe

Dist. Ct. did not err in granting plaintiff-insurance company's motion for summary judgment in action seeking declaration that plaintiff's policy limited coverage to $1 million even though defendant alleged that three trucks, which were all covered under single policy issued by plaintiff, played role in accident that caused defendant's injuries. Language of policy's Combined Limited Liability provision capped plaintiff's total coverage at $1 million regardless of how many vehicles were involved in accident, and Ct. rejected defendant's claim that each vehicle was subject to separate $1 million limit or that accident constituted three separate occurrences. Ct. also rejected defendant's claim that federal Motor Carriers Act required that three trucks involved in accident had combined coverage of $2.25 million where defendant had released motor carrier from liability beyond coverage limits of its insurance policy.