10th Circuit 010-impermissible UM-UIM exclusions

Whether District Court erred in finding Federated’s UM policy does not contravene Oklahoma’s clearly established Oklahoma law and policy despite improperly limiting UM coverage.

Whether District Court erred in refusing to certify the coverage question to Oklahoma Supreme Court as directed in Siloam Springs Hotel, L.L.C. v. Century Sur. Co.

Federated’s policy language violates UM statute and thus public policy; UM statutory coverage and must apply to all “insureds.”

States with similar statutory language have rejected Federated’s policy language.