Noonan v. American Family Mutual Insurance Co.

The Eighth Circuit agreed with American Family that the district court erred in holding that the matching exclusion did not apply to the insureds' policy. Reviewing the district court's interpretation of the insurance policy de novo and applying Minnesota law, the court held that even if it were to discount the matching exclusion's explicit statement that it modifies the Form, as the district court did, other circumstances unambiguously showed that the Minnesota Endorsement, and thus the matching exclusion, applied to the insureds' policy. Therefore, the district court erred in reading the matching exclusion in the policy and, after applying the explicit and unambiguous exclusion, American Family was not obligated to pay for damages attributable to matching difficulties. View "Noonan v. American Family Mutual Insurance Co." on Justia Law