A specialty auto policy may exclude UM/UIM benefits for injuries suffered in a regular use auto when the specialty policy works “in tandem” with a standard auto policy. The case is Essentia Ins. Co. v. Hughes, 545 P.3d 494 (Colo. 2024).

Beverly Hughes was injured while driving a wrecker, a vehicle provided by her employer for her regular use. The other driver, who was both negligent and at fault for the accident, was underinsured.