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STATE OF MINNESOTA IN COURT OF APPEALS A10-2090 Tammy Pepper, Appellant, vs. State Farm Mutual Automobile Insurance Company a/k/a State Farm Fire and Casualty Company a/k/a State Farm Insurance Companies, Respondent. Filed June 28, 2011 Reversed and remanded Crippen, Judge Toussaint, Judge, dissenting Roseau County District Court File No. 68-CV-10-180 Alan B. Fish, Rita Fish-Whitlock, Roseau, Minnesota (for appellant) Karen R. Cote, Brett W. Olander & Associates, St. Paul, Minnesota (for respondent) Considered and decided by Peterson, Presiding Judge; Toussaint, Judge; and Crippen, Judge. SYLLABUS A policy exclusion clause for underinsured-motorist (UIM) coverage is properly applied to prevent conversion of the policyholder's UIM coverage to liability coverage for his own fault. But an exclusion designed to prevent conversion cannot deny UIM benefits recognized by law; when both the underinsured owner of the vehicle and the


Retired judge of the Minnesota Court of Appeals, serving by appointment pursuant to Minn. Const. art. VI,

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