COURT OF APPEALS DECISION DATED AND FILED January 31, 2008 David R. Schanker Clerk of Court of Appeals |
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This opinion is subject to further editing. If published, the official version will appear in the bound volume of the Official Reports. A party may file with the Supreme Court a petition to review an adverse decision by the Court of Appeals. See Wis. Stat. § 808.10 and Rule 809.62. |
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Appeal No. |
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STATE OF WISCONSIN |
IN COURT OF APPEALS |
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DISTRICT III |
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Jonathan Lisowski,
Plaintiff-Appellant, v. Hastings Mutual Insurance Company,
Defendant-Respondent. |
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APPEAL
from an order of the circuit court for
Before Dykman, Vergeront and Lundsten, JJ.
¶1 PER CURIAM. Jonathan Lisowski appeals an
order dismissing his claim against Hastings Mutual Insurance Company for
underinsured motorists (UIM) coverage.
The trial court concluded that our decision in Crandall ex rel.
Johnson v. Society Insurance, 2004 WI App 34, 269
¶2 Jonathan was severely injured in an auto accident while a
passenger in a car owned by his father, Dennis Lisowski. The driver of the car, a friend of Jonathan,
caused the accident. After settling
claims against the driver, Jonathan sued
¶3 The declarations in the policy limited all coverage, including UIM, to “covered autos.” The policy identified one of the vehicles Dennis owned as a “covered auto,” but not the car involved in Jonathan’s accident. However, the stated purpose of the UIM endorsement was to modify the policy.[1] The issue here is whether the endorsement extended UIM coverage to injuries from the use of vehicles that were not identified in the policy as “covered autos.”
¶4 Provisions in the coverage section of the endorsement
persuasively, if not conclusively, support Jonathan’s contention that he was
covered under the policy. The
endorsement provided that
¶5 However, in Crandall we determined coverage in
a similar UIM endorsement by construing an introductory provision as a further
limitation on coverage. See 269
Wis. 2d 765, ¶8. That provision, in the Crandall
endorsement and here, stated that “for a covered ‘auto’ licensed or principally
garaged, or ‘garage operations’ conducted in
¶6 The introductory provision Crandall relied on is plainly inconsistent with the provisions that follow it. We have previously struggled with this inconsistency in Ruenger v. Soodsma, 2005 WI App 79, 281 Wis. 2d 228, 695 N.W.2d 840,[3] a case that involved the same UIM endorsement and a claim for damages suffered by one who, like Jonathan, was insured under the endorsement and suffered damages from use of an underinsured vehicle that was not a “covered auto” in the policy. In Ruenger, we stated that:
We agree … that the coverage section of the UIM endorsement, when read alone, provides coverage for [Ruenger’s] injuries because they were caused by an accident and she is legally entitled to recover compensatory damages for them from the driver of an underinsured motor vehicle whose liability results from the use of the underinsured motor vehicle.
¶7 We also acknowledged the reasonableness of Ruenger’s
contentions that the introductory statement “does not attempt to define or
limit the circumstances under which UIM coverage will apply, but simply states
that the endorsement modifies insurance provided under the [policy],” and that
a reasonable insured would read the coverage section of the endorsement, which
does not mention covered autos, to understand the scope of UIM coverage.
¶8 Nevertheless, we concluded that we had no choice but to
enforce the “covered auto” limitation in the endorsement’s introduction or be
“flatly inconsistent with our construction of that same language in Crandall,
and we may not modify, overrule, or withdraw language from our prior decision. Cook
v. Cook, 208
¶9 As in Ruenger, we believe we must resolve the inconsistencies in the UIM endorsement by following Crandall. As we stated in Ruenger, the argument that the Crandall holding “is not a reasonable construction of the introductory language or that the language is ambiguous must be directed to the supreme court.” Id.
By the Court.—Order affirmed.
This opinion will not be published. See Wis. Stat. Rule 809.23(1)(b)5.
[1] The first line of the endorsement stated, in capital letters, that “THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.”
[2] For purposes of the endorsement:
“Underinsured motor vehicle” means a land motor vehicle or “trailer” for which the sum of all liability bonds or policies at the time of an “accident” provides at least the applicable minimum limit for bodily injury liability specified by Wis. Stat. Section 344.15.
However, “underinsured motor vehicle” does not include any vehicle:
a. Owned or operated by a self-insurer under any applicable motor vehicle law;
b. Owned by a governmental unit or agency;
c. Designed for use mainly off public roads while not on public roads; or
d. That is an “uninsured motor vehicle”.
[3] No petition for review was filed in Ruenger v. Soodsma, 2005 WI App 79, 281 Wis. 2d 228, 695 N.W.2d 840.