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The Eighth Circuit has ruled that a trial court erred in finding an ambiguity based on a summary of the renewal covering. The court found that similar to a declaration page, a summary is not controlling where the relevant policy language establishes otherwise. The case is Micheel v. American Family Mutual Ins. Co., No. 20-1800 (8th Cir. June 17, 2021).

Janet Micheel was injured in a car accident in December 2017. She suffered more than $150,000 in injuries. The other driver had an insurance policy that covered up to $50,000 in injuries, so Micheel contacted her insurer, American Family, to ask for $100,000 in UIM benefits.

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