James M. Dickau v. Vermont Mutual Insurance Co.

Summary

The court affirmed summary judgment for Vermont Mutual, holding that Dickau's umbrella policy neither expressly provided uninsured motorist coverage nor acquired such coverage by operation of Maine's uninsured motorist statute. The policy unambiguously excluded personal injury coverage for the insured, and the statute applies to motor vehicle insurance policies rather than generalized umbrella policies. Justice Silver, joined by Justices Alexander and Jabar, dissented and would have applied the statute to the umbrella policy and entered judgment for Dickau.