Uninsured Motor vehicle doesn’t have to include government vehicles 8th Cir, Ark law (unpublished)

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In American Alternative Insurance Corporation v Williams,Williams was injured while riding as a passenger in an ambulance when it got hit by a city bus. Williams got a $475,000 judgment against the bus company, which paid its limits of $25,000. When he made demand for underinsured motorist coverage, his insurer, American, said there wasnt any coverage because the policy definition of an underinsured motor vehicle doesnt include government owned vehicles, like the bus that hit Williams. Under Arkansas law, commercial policies, like the one involved, do not have to offer uninsured or underinsured motorist coverage. And excluding government vehicles from the definition of underinsured motor vehicles was not against Arkansas public policy.