Grain Dealers Mutual Insurance Company, Petitioner v. Gerald Wayne McKee and Wife, Diana Michelle McKee…

Summary

The Texas Supreme Court held that the Business Auto Policy issued to Future Investments did not provide UM/UIM or PIP coverage for Gerald McKee's daughter, Kelly, because she was not a "you," "designated person," or "family member" under the endorsements and the policy was unambiguous; the Court reversed the Court of Appeals. Justice Spector dissented, arguing the policy was ambiguous and should be construed in favor of coverage.