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The Nevada Supreme Court has ruled against the insurer that language in a personal umbrella insurance policy that precluded coverage for damages that are “payable to any insured” did not contravene state law. The case is Sciarratta v. Foremost Ins. Co. Grand Rapids Mich., No. 79604, 2021 Nev. LEXIS 31 (July 8, 2021).

Appellant Filippo Sciarratta and his then-wife Cynthia owned a Kawasaki motorcycle. In 2015 Sciarratta let his brother-in-law Jonas Stoss drive the motorcycle while he was the passenger. Stoss lost control of the motorcycle and Sciarratta was seriously injured. Stoss was found to be negligent. Cynthia was named insured on a personal umbrella policy underwritten by Farmers Insurance Exchange (Farmers). The couple also had a motorcycle liability policy underwritten by Foremost Insurance Company and an automobile policy underwritten by Mid-Century Insurance Company.

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