WPC ^Eנ1&,ʶaijيŭGoW7CXl}`g{%Dґ^\vX﯂NӚ, v'Xÿa[*vYn(1t.ޭXƣç;0 9 =բPz QRQ29q3!džQGn"p8\8͋b1/@:S LDmV UЌ#&BYR#Z T? c\P1ϷuԑIyaP;v+4F Z 0(i  w@  UNq 0l 0D+UNoU:\UNrUNU:--------UBg % B D3 0D AOC 0DX D/ BRC&3|xN($ 89{:;<{=>?D@ӀL  $    1       XXXX &.&X X 4 TheinsurancepolicyunderconsiderationbytheTateCourtprovided:  0 4 0 4(#4(#Thelimits[$100,000.00perperson,$300,000.00peroccurrence]arethemaximumwewillpayforanysingleautoaccident.Thelimitstatedforeachpersonforbodilyinjuryappliestoalldamagesarisingfrombodilyinjury,sickness,disease,ordeathsustainedbyonepersoninanyoneoccurrence.Theoccurrencelimitisourtotallimitofliabilityforalllegaldamagesforbodilyinjuriessustainedbytwoormorepersonsinanyoneoccurrence.  (# (#  4 Thatpolicyfurtherprovided:0 4 0 4(#4(#Allstatewillpayforalldamagesapersoninsuredislegallyobligatedtopaybecauseofbodilyinjuryorpropertydamage,meaning:  (# (# 0 4 0 4(#4(#1.Bodilyinjuries,sickness,diseaseordeathtoanyperson,includinglossofservices;and  (# (# 0 4 0 4(#4(#2.Damagesto,ordestructionofproperty,includinglossofuse.  (# (# 0 4 &.&& &. TheAlabamaCourtconstruedthepolicytoprovideseparatecoveragefor bodily  injurywheretheonlyinjurywas lossofconsortium,i.e., lossofserviceswasheldtobea bodilyinjury.@/&&.Ԁ# @/@/## &.& @/'#(hH  Z 6Times New Roman Regular((3$ !      0  (#$  0  (hH  Z 6Times New Roman Regular  X;XXX MX X;   Ad FILED s M   March15,1999  CecilCrowson,Jr.   sAppellateCourt  Clerk ,cAZ"Arial Regular R $    1      XˡXXX&.&X Xˡ 4 TheinsurancepolicyunderconsiderationbytheTateCourtprovided:  0 4 0 4(#4(#Thelimits[$100,000.00perperson,$300,000.00peroccurrence]arethemaximumwewillpayforanysingleautoaccident.Thelimitstatedforeachpersonforbodilyinjuryappliestoalldamagesarisingfrombodilyinjury,sickness,disease,ordeathsustainedbyonepersoninanyoneoccurrence.Theoccurrencelimitisourtotallimitofliabilityforalllegaldamagesforbodilyinjuriessustainedbytwoormorepersonsinanyoneoccurrence.  (# (#  4 Thatpolicyfurtherprovided:0 4 0 4(#4(#Allstatewillpayforalldamagesapersoninsuredislegallyobligatedtopaybecauseofbodilyinjuryorpropertydamage,meaning:  (# (# 0 4 0 4(#4(#1.Bodilyinjuries,sickness,diseaseordeathtoanyperson,includinglossofservices;and  (# (# 0 4 0 4(#4(#2.Damagesto,ordestructionofproperty,includinglossofuse.  (# (# 0 4 &.&& &.Thus,theAlabamaCourtconstruedthepolicytoprovidecoverageforbodilyinjurywhere  theonlyinjurywas lossofconsortiumwithinthemeaningofthatpolicy0+&&..#0+0+##&.& 0+#(hH  Z 6Times New Roman Regular(hH  Z 6Times New Roman Regular X;XXXMXX;   Ad FILEDsM   March08,1999  CecilCrowson,Jr. sAppellateCourt  Clerk ,cAZ"Arial Regular<6X9`(*Courier 12pt10cpiX d&&&&'dxd(3$ !  -C<< CLevel 1Level 2Level 3Level 4Level 5($$   1  ' dxdP Pd !  @@  TR[A' Legal3'A' Legal3'T7:XXdXXd7X`gXXXTXX`gL@r *<,(j 8 `@E  tt0"Hr@LLr*<,(j 8 `@E  tt0"HrL@@񀀀@j j  INTHECOURTOFAPPEALSOFTENNESSEE  @>>%ATKNOXVILLE LARRYS.GOUGEandwife,    )C/ANO.03A019805CV00174   CAROLJ.GOUGE, <     )    4    <     )SULLIVANCIRCUIT 4 PlaintiffsAppellants,    )   4    <     )HON.JOHNMCLELLAN,III,v. 4    <     )JUDGE    4    <     )FREDB.RYAN,ETAL.,and    )AFFIRMED   FREDB.RYAN,  <     )98898A8:ND:    4    <     )<;;<;R;=EMANDED= 4 Defendants,  <     )   4    <     )andTENNESSEEFARMERSMUTUAL)INSURANCECOMPANY,    )   4    <     ) 4 DefendantAppellee.    )  _________________________________) 4    <     )MISTYA.GOUGE,aminorchild,by  )  herparentsandnaturalguardians,    )  LARRYS.GOUGEandCAROLJ.  )   GOUGE,   <     ) !  4    <     ) 4 PlaintiffAppellant, <     ) #  4    <     )v. 4    <     ) %  4    <     )FREDB.RYAN,ETAL.,andFRED  ) '  B.RYAN,   <     ) (!!  4    <     ) 4 Defendants,  <     ) *##  4    <     )andTENNESSEEFARMERSMUTUAL)INSURANCECOMPANY,    ) -&&  4    <     ) 4 DefendantAppellee.    ) /(( SHELTONB.HILLMAN,JR.,GORE&HILLMAN,Bristol,forPlaintiffsAppellants.STEVENC.ROSE,WEST&ROSE,Kingsport,forDefendantAppellee.@% OPINION  922  4    <      D   Franks,J. ;34 Ї 4  Thedispositiveissueonthisappealiswellstatedbytheappellant: Doesthewordingofthesubjectpolicyofinsuranceexpandbodilyinjurytoapersontoincludederivativeclaims. 4  ThiscasearisesfromanautomobileaccidentthatoccurredonMarch9,1996.MistyGouge,aminor,wasinjuredintheaccident,andherparentsLarryandCarolGougesoughtdamagesforMistysmedicalexpenses,aswellasderivativeclaimsformedicalexpensesandlossofservices. 4  Anticipatingadeficitintheamountofthedefendantsinsurancecoverage,theGougesalsosoughttorecoverfromtheirunderinsuredcarrier,TennesseeFarmersMutualInsurancecompany.Thispolicyprovidedsplitlimitscoveragewith$100,000.00/$300,000.00policylimits.TennesseeFarmersMutualmovedforpartialsummaryjudgment,claimingthatthepolicys$100,000.00 perpersonlimitappliedtoalloftheGougesclaims.TheTrialJudgegrantedthemotionandlateramendedthepreviousordertoconstituteafinaljudgment,pursuanttoT.R.C.P.Rule54.02. 4  Theinsurancepolicyatissuecontainsthefollowingrelevantsections:0 4 0 4(#4(# Bodilyinjury meansinjurytoapersonandthesickness,diseaseor '  deathofthatpersonresultingfromthatinjury.Bodilyinjurysustainedbyanyonepersonincludesallinjuryanddamagestoothers,includingbutnotlimitedto,thelossofservicesandlossofconsortiumresultingfromthatbodilyinjury.  (# (# 0 4 0 4(#4(# LimitedofLiability ...Themaximumlimitfor eachpersonincludes  -&& damagesclaimedbytheinjuredpersonformedicalexpenses,lossofservicesandlossofconsortium.Themaximumlimitofliabilityfor eachpersonalsoincludesalldamagesclaimedbyothers,suchasdamagesformedicalexpenses,lossofservicesandlossofconsortium,resultingfromthebodilyinjurysustainedbytheinjuredperson.  (# (#  4  Thepartiesdisputethemeaningoftheforegoinglanguage.Appellantscontentthattheyeach,inadditiontotheirdaughter,areentitledtoupto$100,000.00eachincoverage.Theappelleearguesthatthe$100,000.00limitappliestobothMistysinjuriesandtheappellantsclaims. :33  4  Contractsofinsurance,likeothercontracts,aretobeconstruedaccordingtothesenseandmeaningofthetermswhichthepartieshaveused,andiftheyareclearandunambiguous,theirtermsaretobetakenandunderstoodintheirplain,ordinary,andpopularsense.GuardianLifeIns.Co.OfAmericav. (  Richardson,129S.W.2d1107,1115(Tenn.App.1939).Thus,wherethereisno 0(  ambiguity, itisthedutyoftheCourttoapplytothewordsusedtheirordinarymeaningandneitherpartyistobefavoredintheirconstruction.Brownv.Tennessee @8 Auto.Ins.Co.,237S.W.2d553,554(Tenn.1951).Acontractisambiguous whenit H@ isofuncertainmeaningandmayfairlybeunderstoodinmorewaysthanone.EmpressHealthandBeautySpaInc.,v.Turner,503S.W.2d188,190191(Tenn. XP 1973). Astrainedconstructionmaynotbeplacedonthelanguageusedtofindambiguitywherenoneexists.Id.at191. h`  4  Inthiscase,thecontractisnotambiguous.Itstatesthatdamages claimedbyothers,includinglossofservices,aresubjecttothesamelimitationasthedamages sustainedbytheinjuredperson.Thus,thepolicyincludeswithinthelimitofcoverageforeachpersonclaimsforlossofservicesarisingfrombodilyinjuriestooneperson.SincealltheclaimsinthiscasederivefromMistysinjuries,theyaresubjecttoasinglelimitof$100,000.00.TheTrialCourtproperlyconstruedthecontract.Moreover,otherTennesseecaseshavereachedsimilarconclusions,albeitundersomewhatdifferentlywordedcontracts.Seee.g.,Yancyv.UtilitiesIns. /(( Co.,137S.W.2d318(Tenn.App.1939);MarylandCas.Co.v.Gordon,371S.W.2d 1** 460(Tenn.App.1963). 4  AppellantsciteTatev.AllstateIns.Co.,692So.2d822(Ala.1997)to 5.. supporttheirpositionthateachoftheclaimsissubjecttoaseparate$100,000.00limit.WhileTateisinstructive,thepolicyinthatcasecontaineddifferentlanguagefromthe 922 contractatissue.First,thecontractinthiscasespecificallystatesthat bodilyinjurysustainedbyanyonepersonincludesallinjuryanddamagetoothers.Second,thepolicydefinesitperpersonlimitofliabilitytoinclude alldamagesclaimedbyothers,suchas...lossofservices...resultingfrombodilyinjurysustainedbytheinjuredperson.Thus,Tateisdistinguishable.>>> >  %  1      כTheTrialCourtproperlygranted (  summaryjudgment. 4  Thecostoftheappealisassessedtoappellants,andthecauseremanded.@+ D  H@  4    <     __________________________ LD  4    <     HerschelP.Franks,J.CONCUR:___________________________DonT.McMurray,J.̜??___________________________CharlesD.Susano,Jr.,J. %x