{
  "id": 1606839,
  "name": "M.F.A. Mutual Ins. Co. v. Arnell J. Wallace, special administrator",
  "name_abbreviation": "M.F.A. Mutual Ins. v. Wallace",
  "decision_date": "1968-09-23",
  "docket_number": "4606",
  "first_page": "230",
  "last_page": "232",
  "citations": [
    {
      "type": "official",
      "cite": "245 Ark. 230"
    },
    {
      "type": "parallel",
      "cite": "431 S.W.2d 742"
    }
  ],
  "court": {
    "name_abbreviation": "Ark.",
    "id": 8808,
    "name": "Arkansas Supreme Court"
  },
  "jurisdiction": {
    "id": 34,
    "name_long": "Arkansas",
    "name": "Ark."
  },
  "cites_to": [
    {
      "cite": "213 A. 2d 420",
      "category": "reporters:state_regional",
      "reporter": "A.2d",
      "year": 1965,
      "opinion_index": 0
    },
    {
      "cite": "106 N.H. 422",
      "category": "reporters:state",
      "reporter": "N.H.",
      "case_ids": [
        4460745
      ],
      "year": 1965,
      "opinion_index": 0,
      "case_paths": [
        "/nh/106/0422-01"
      ]
    },
    {
      "cite": "399 F. 2d 330",
      "category": "reporters:federal",
      "reporter": "F.2d",
      "case_ids": [
        2140800
      ],
      "year": 1968,
      "opinion_index": 0,
      "case_paths": [
        "/f2d/399/0330-01"
      ]
    },
    {
      "cite": "243 Ark. 692",
      "category": "reporters:state",
      "reporter": "Ark.",
      "case_ids": [
        8723245
      ],
      "weight": 2,
      "year": 1967,
      "opinion_index": 0,
      "case_paths": [
        "/ark/243/0692-01"
      ]
    }
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  "last_updated": "2023-07-14T16:29:50.317094+00:00",
  "provenance": {
    "date_added": "2019-08-29",
    "source": "Harvard",
    "batch": "2018"
  },
  "casebody": {
    "judges": [],
    "parties": [
      "M.F.A. Mutual Ins. Co. v. Arnell J. Wallace, Special Administrator"
    ],
    "opinions": [
      {
        "text": "Conley Byrd, Justice.\nAppellant, MFA Mutual Insurance Company, issued simultaneously to' Arnell J. Wallace its two separate automobile liability policies, one being policy 3STo. 3-1-876871-001 on a 1962 Pontiac automobile, and the other No. 3-1-876871-002 on a 1960 Buick automobile. Both policies contained uninsured motorist coverage in the amount of $10,000. Mary Ann Wallace, an insured under the policies, was injured in an uninsured automobile owned by Jerry W. Franklin resulting in her death. tier medical bills exceeded $12,000. After suit was filed but prior to trial MFA paid the $10,000 under the uninsured motorist coverage on policy No. 2, but denied liability on the other policy because of the \u201cother insurance clause.\u201d The trial court held that the \u201cother insurance clause\u201d was contrary to Ark. Stat. Ann. \u00a7 66-4003 (Repl. 1966) and awarded judgment against MFA for $10,000 on policy No. 1 in favor of Arnell J. Wallace, Special Administrator of the Estate of Mary Ann Wallace, deceased.\nThe \u201cother insurance clause\u201d in MFA\u2019s policy provides :\n\u201c5. Other Automobile Insurance in the Company \u2014 With respect to any occurrence, accident, death, or loss to vdrich this and any other automobile insurance policy issued to the named insured or spouse by the Company also applies, the total limit of the Company\u2019s liability under all such policies shall not exceed the highest applicable limit of liability or benefit amount under any one policy.\u201d\nArk. Stat. Ann. \u00a7 66-4003 provides:\n\u201cNo automobile liability insurance, covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be delivered or' issued for delivery in this State with respect to any motor vehicle registered or principally garaged in this State unless coverage is provided therein or supplemental thereto, in not less than limits described in section 27 of Act 347 of 1953 [\u00a7 75-1427], as amended, under provisions filed with and approved by the Insurance Commissioner, for the protection of persons insured thereunder who are legally entitled to recover damages from owners or operators of uninsured motor vehicles because of bodily injury, sickness or disease, including death, resulting therefrom; provided, however, that the coverage required under this section .shall not be applicable where any insured named in the policy shall reject the coverage.\u201d\nSection 27 of Act 347 of 1953 as amended (Ark. Stat. Ann. \u00a7 75-1427 [Supp. 1967]) is that portion of the Motor Vehicle Safety Responsibility Act requiring minimum limits of not less than $10,000 because of bodily injury to or death of one person in any one accident and not less than $20,000 because of bodily injury to or death of two or more persons.\nIn Varvil v. MFA, 243 Ark. 692, 421 S.W. 2d 346 (1967), we gave full effect to the \u201cother insurance clause\u201d here involved, as applied to funeral benefits under two automobile liability policies issued by MFA. Appellee concedes that the \u201cother insurance clause\u201d Avould equally apply here were it not for the statute quoted above.\nThe cases interpreting uninsured motorist statutes go both ways on the issue of stacking multiple policies covering the same accident or injury, Safeco Insurance Company v. Robey, 399 F. 2d 330, (8th Cir. 1968). However, in looking at the terms and purpose of our statute, Ave find that the \u201cother insurance clause\u201d is not repugnant to Ark. Stat. Ann. \u00a7 66-4003, supra. Here MFA furnished uninsured motorist coverage \u201cin not less than limits described . . .\u201d in the Safety Responsibility Act. Furthermore, since the purpose of the statute is \u201cfor the protection of persons insured . . . who are legally entitled to recover damages from owners or operators of uninsured motor vehicles ...\u201d it is obvious that the statute was not designed to provide the insured Avith greater insurance protection than would have been available had the insured been injured by an operator AAdth a policy containing the minimum statutory limits required by the Motor Vehicle Safety Responsibility Act, Ark. Stat. Ann. \u00a7 75-1427 (Supp. 1967). See Maryland Casualty Company v. Howe, 106 N.H. 422, 213 A. 2d 420 (1965).\nReversed.",
        "type": "majority",
        "author": "Conley Byrd, Justice."
      }
    ],
    "attorneys": [
      "Wright, Lindsey & Jennings for appellant.",
      "Hall & Tucker and John F. Lovell, Jr. for appellee."
    ],
    "corrections": "",
    "head_matter": "M.F.A. Mutual Ins. Co. v. Arnell J. Wallace, Special Administrator\n4606\n431 S.W. 2d 742\nOpinion delivered September 23, 1968\nWright, Lindsey & Jennings for appellant.\nHall & Tucker and John F. Lovell, Jr. for appellee."
  },
  "file_name": "0230-01",
  "first_page_order": 254,
  "last_page_order": 256
}