Appeals

Georgia Supreme Court Declines Review on UM Coverage Favorable to Insurers

In November 2023, we reported that FMG’s client had prevailed in a decision by the Court of Appeals of Georgia that found a farmer could not recover UM benefits for injuries sustained while riding on…

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In November 2023, we reported that FMG’s client had prevailed in a decision by the Court of Appeals of Georgia that found a farmer could not recover UM benefits for injuries sustained while riding on a tractor that was not subject to Georgia’s compulsory insurance laws. In so doing, the Court of Appeals in Insurance Company v. Onionman Company, LLC, 369 Ga. App. 597, 894 S.E.2d 152 (2023) reversed the trial court’s reasoning that the policy was ambiguous such that UM coverage would be imputed to the insurer. In reversing that reasoning, the Court of Appeals determined that a tractor was not in fact an “auto” under the policy for which UM coverage applied. In reaching that decision the Court of Appeals distinguished the decision in Hinton v. Interstate Guaranty Insurance Company, 267 Ga. 516, 480 S.E.2d 842 (1997), in which the Supreme Court of Georgia found that a vehicle struck by a tractor did qualify as a “uninsured motor vehicle” within the meaning of the UM statute. As explained by the Court of Appeals in the Onionman case, the absence of liability coverage for the operation of the tractor meant that the farmer could not recover UM benefits under the policy.  

In response to the reversal of the trial court’s opinion, the farmer turned to the Supreme Court of Georgia to request discretionary review by way of petition for certiorari. On March 27, 2024, the Supreme Court denied the request. As such, the Court of Appeals’ decision is the end of the road for the farmer in his quest for UM coverage where none is provided by the terms of the policy. 

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