October 14, 2005

The Ohio Supreme Court ruled that a state statute did not prohibit insurers from limiting uninsured motorists (UM) coverage to accidents occurring in the United States and Canada in Fazio; MacNealy v. Hamilton Mut. Ins. Co., No. 2004-1559, 2005 WL 2397518 (Ohio Oct. 12, 2005).

While walking on a beach in Mexico, Paula MacNealy was struck by a dune buggy. She filed a claim with her auto insurer, State Farm, for uninsured motorist benefits. State Farm denied the claim, stating that the policy's coverage territory for UM included only the U.S, its territories, and Canada.